Kasian, Pria Ini Sengaja Gelar Pesta Mewah untuk Umumkan Jika Sang Kekasih Berselingkuh dengan Sahabatnya

Wanita beranam Daliana Melean (gaun hijau) disamping kekasihnya yang membeberkan jika ia selingkuh dengan sahabatnya sendiri.

Seorang pria di Venezuela menjadi trending di media sosial negaranya.

Ia sengaja menggelar pesta mewah hanya untuk mengumumkan jika kekasihnya berselingkuh dengan sahabatnya sendiri.

Mengutip Daily Mail via Kompas.com, Kamis (14/2) kejadiannya berawal ketika pria yang tak mau disebutkan namanya itu mengambil mikrofon.

Ia kemudian membuat pengumuman jika kekasihnya berselingkuh dengan sahabatnya di hadapan para tamu.

Kekasihnya, Daliana Melean berbuat serong dengan sahabatnya, Alberto Sobalvarro.

Padahal ia dengan Sobalvarro sudah berteman 20 tahun lamanya.

Momen tersebut terekam dalam video yang kemudian menjadi viral di media sosial.

"Hari ini, saya mengetahui sesuatu yang saya curigai di benak dan hati saya," kata pria itu dengan tenang, sementara Melean berdiri di sampingnya.

"Alberto, saya sudah mengenal Anda selama lebih dari 20 tahun. Anda merupakan saudara laki-laki dan teman saya yang hebat. Tapi memeluk kekasih saya adalah tindakan pengecut," ucapnya.

Usai mengumumkan perselingkuhan itu, pria tersebut lantas mengambil ponsel Melean dan menunjukkan kepada para tamu pesan teks mesranya dengan Sobalvarro.

Bahkan dalam pesan, Sobalvarro bakal membelikan apartemen mewah kepada Melean.

"Ini semua pesan yang dikirim Melean dan Anda. Melean membeli apartemen mewah seharga 40.000 dollar AS dan saya katakan padanya dari mana itu didapatkan," ujarnya.

"Saya tahu dari mana dia akan mendapatkannya, dari mana dia mendapatkan apartemen seharga 40.000 dollar AS yang akan kamu berikan padanya," imbuhnya.

Melean lantas mencoba merebut ponselnya namun pria tersebut membuangnya ke kolam renang.

Kemudian seorang perempuan berjalan ke arah Melean dan membawanya menjauh dari sang kekasih.

Usai mengucapkan terima kasih kepada Sobalvarro dan Melean atas hubungan yang selama ini terjalin, dia menjatuhkan mikrofonnya sambil menyampaikan pesan perpisahan. "Alberto dan Daliana Melean berpacaran," ujarnya.

Diketahui Sobalvarro adalah anggota kongres Venezuela yang setia sampai mati kepada Presiden Nicolas Maduro. musuh bagi rakyat kecil Venezuela.

Source : BABE

Business Loan

A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. There are a number of different types of business loans, including bank loans, mezzanine financing, asset-based financing, invoice financing, microloans, business cash advances and cash flow loans.

Bank loan

A bank loan may be obtained from a bank and may be either secured or unsecured. For secured loans, banks will require collateral, which may be lost if repayments are not made. The bank will probably wish to see the business’s accounts, balance sheet and business plan, as well as studying the principals' credit histories. Many smaller businesses are now however turning towards Alternative Finance Providers, especially in the case of smaller firms. Loans from credit unions may be referred to as bank loans as well. Business loans from credit unions received the second highest level of satisfaction from borrowers after loans from small banks.

SBA loans

The US Small Business Administration (SBA) does not make loans; instead it guarantees loans made by individual lenders. The main SBA loan programs are SBA 7(a) which includes both a standard and express option; Microloans (up to $50,000); 504 Loans which provide financing for fixed assets such as real estate or equipment; and Disaster loans. In FY 2016, total 7(a) volume was $11,967,861,900 and total 504 loan volume was $2,517,433,000.

Mezzanine finance

Mezzanine finance effectively secures a company’s debt on its equity, allowing the lender to claim part-ownership of the business if the loan is not paid back on time and in full. This allows the business to borrow without putting up other collateral, but risks diluting the principals’ equity share in case of default.

Asset-based finance

Once considered the finance option of last resort, asset-based lending has become a popular choice for small businesses lacking the credit rating or track record to qualify for other forms of finance. In simple terms, it involves borrowing against one of the company’s assets, with the lender focusing on the quality of the collateral rather than the credit rating and prospects of the company. A business may borrow against several different types of asset, including premises, plant, stock or receivables.

Invoice finance

In recent years, it has become increasingly difficult for SMEs to obtain traditional finance from banks. Alternative options are invoice discounting or factoring, whereby the company borrows against its outstanding invoices, with the ability to obtain funds as soon as new invoices are created. It is often questioned which option is best for your business – factoring or discounting – and the answer depends on how the business wants to be perceived by customers. With factoring, the finance company charges interest on the loan until the invoice is paid, as well as fees, and the finance company takes ownership of the debtor ledger and uses its own credit control team to secure payment. With invoice discounting, the business maintains control of its own ledger and chases debts itself.

Microloans

Smaller loans, usually for loan amounts of $100,000 USD or less, are referred to as “microloans.” Banks are less likely to make these loans than alternative lenders. When they do, the decision is usually based on the personal credit score of the business and/or the business credit score.

Online Lenders

There has been a rise in the number of online lenders offering small business loans. Online alternative lenders originated an estimated $12 billion in small business loans in 2014, with unsecured consumer loans representing $7 billion and small business loans accounting for approximately $5 billion. Nonbank lenders that make small business loans have doubled their outstanding portfolio balance every year since 2000. Some online originate loans from their own capital. Others may use a “marketplace” model, in which they match borrowers to loan products from a variety of lenders. Others use crowdfunding platforms that allow businesses to raise capital from a wide variety of sources.

Secured and unsecured business loans

Business loans may be either secured or unsecured. With a secured loan, the borrower pledges an asset (such as plant, equipment, stock or vehicles) against the debt. If the debt is not repaid, the lender may claim the secured asset. Unsecured loans do not have collateral, though the lender will have a general claim on the borrower’s assets if repayment is not made. Should the borrower become bankrupt, unsecured creditors will usually realise a smaller proportion of their claims than secured creditors. As a consequence, secured loans will generally attract a lower rate of interest.

Lenders that make business loans often use a UCC filing to alert other creditors of their security interest in the property of the business. UCC filings may be placed against specific assets, or a blanket UCC filing secures interest in all property. UCC filings may affect the business credit score and may make it more difficult to obtain subsequent financing.

Personal guarantees

Many lenders require principals with 20% or greater ownership in the business to provide a personal guarantee. The personal guarantee allows the lender to attempt to collect the debt from the personal assets of the guarantors. Small business lenders may waive the personal guarantee requirement if the business has strong business credit scores and revenue.[citation needed] In May 2016, changes to the Member Business Lending rule by the National Credit Union Administration board further improved these loans, by allowing credit unions discretion in obtaining a personal guarantee from a borrower.

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