Tuesday, August 15, 2006

Trans-cultural Business Failure: Wal-Mart Exits Germany

In August 2006 Wal-Mart, the worlds largest retailer, announced that it was exiting operations in Germany. Bentonville based retail giant announced it was selling all the 85 of its hypermarkets to Metro (German retail giant). This marks the end of Wal-Mart’s German adventure which began in 1997 with the acquisition of Wertkauf.

I have lived in USA where I shopped, studied and observed Wal-Mart’s business operations. And the news came to me as no surprise. Back in 2003 I had posted a presentation on why Wal-Mart will find it tough to succeed in India. The recent news validated my observation that Wal-Mart’s cultural insensitivity led to its failure in Germany. (The same mistake is being repeated by Wal-Mart in Korea, Japan, China and Mexico)

History of Wal-Mart in Germany

Wal-Mart started with an aggressive global expansion strategy. In 1997, Wal-Mart bought Wertkauf, a leading retail chain. Later it acquired Interspar in 1998. Wal-Mart wanted to jump-start its European presence. In UK, Wal-Mart purchased ASDA, and started talks to buy the German retailing giant Metro. ( Wal-Mart could not acquire Metro - as Metro board rejected the idea. ASDA was acquired by Wal-Mart and is the second largest retailer in the U.K)

Wal-Mart’s Mistakes

The fundamental problem with Wal-Mart’s global expansion plans lies with its core advantages - a fully owned distribution network, standardized store layouts, warm & welcoming employees who greet customers, and standardized ERP systems. These factors enabled Wal-Mart to succeed in United States - but these factors can become a major disadvantage while operating abroad.

Firstly, Wal-Mart is not experienced in the game of acquisitions and mergers. Wal-Mart was built ground up in the USA and Canada. The lack of managerial skills needed to bring out the related synergy between itself and Wertkauf led to employee frustration. Moreover, the top management refused to acknowledge the differences in customer behavior in Germany when compared to its US customers, and the top management failed to listen to the feedback from its employees.

Wal-Mart stores are designed for customers who are willing to spend lot of time shopping. But in Germany, the shopping hours are shorter: Shops close by 5 PM on weekdays, and no shopping on Sundays. This meant that customers don’t have the habit of spending lots of time in a store - wandering around for the things they need. Coupled with this problem, German customers do not like to be assisted by Wal-Mart’s friendly store assistants. Germans prefer to do their own search for bargains.

Wal-Mart got its store merchandising wrong: Germans like to see the advertised discount products upfront - without having to ask the store assistant. This implies that the discount products must be placed at the eye level. Instead Wal-Mart chose to use its US style merchandise display strategy - where premium priced products are kept at eye level and discount products are kept at higher shelf or in the bottom racks. This irritated the German shoppers. Wal-Mart also got its store inventory wrong, Wal-Mart stocked its store with clothes, hardware, electronics and other non-food products were given much bigger floor space than food products, as a result more than 50% of the revenue was from non-food products. But other German retailers stock more of food products. For example for Metro, food products constitute more than 75% of the revenue.

Wal-Mart also failed to achieve the required economies of scale. To implement its US style hypermarkets, Wal-Mart invested in a robust distribution system with three warehouses and logistics centers - this implied higher cost. To be efficient Wal-Mart needed about 400+ stores, but it had only 85 stores.

The biggest mistake of Wal-Mart was to ignore the local culture, local buying habits and impose an American boss on its German operations. The first head of German operations was an expat from the USA - who did not understand Germany or its culture and insisted that all business operations be carried out in English language. I have not met him in person or even interacted with him - but from what I hear and understand, it is clear to me that the cultural insensitivity started right at the top.

Closing Thoughts

Cross-border, Cross-cultural business is a challenge even for the biggest companies. Companies have to be sensitive to the local cultures and tailor their offerings to local market. To localize their offerings, companies must carry out cultural assessment before acquisitions, maintain an ongoing cultural assessment of its foreign operations. This will help companies measure the effectiveness of its localization efforts and make adequate changes in local strategy & tactics.

The Wal-Mart example tells us that even the biggest of the companies are not immune to failures. Companies need to understand the local culture in order to capitalize on the local market.

The lessons learned from Wal-Mart’s experience in Germany, Korea and Japan can be applied by other retailers who are planning on expanding in India & China. Large retail chains such as Tesco, Metro, Carrefour, Home Depot, etc., have to be very careful when they plan to invest in countries outside their home markets. Indian market offers tremendous opportunities for these organized retailers - but it also comes with tremendous challenges. Indian consumers have deep rooted cultural biases which must be understood and overcome in order to succeed in India.

Also See:

Keep Overseas Staff Focused on the Right Goals
Cultural Assessment - Prerequisite for successful Mergers
Promoting Organizational Change Through Communication

106 comments:

Pradeep Sonthalia said...

excellent article. very insightful. you inspire me to start blogging.

Pradeep Sonthalia said...

forgot to mention.. ur blog goes into my favourites..

~ a said...

Good stuff, topics are wide and well written, thanks for your help! albeit received indirectly...

Unknown said...

Good article, but stores in Germany do noct close at 5 p.m., it's between 7 and 10 p.m. depending on the store...

Rohit Chaudhary said...

hey arun i tired contacting you on orkut but could not, your work is really nice I am doin my dissertation on indian retail sector in food an opportunity for foreign investment.

Rohit Chaudhary said...

hi this is really good can u please give me your contact number I really need to speak to you, or your email id, my id is RC548@mdx.ac.uk

namita joshi said...

Lovely article....I wish if I can get your reply on nami.mba@gmail.com.I am doing MBA in India.Thanks.
Nami

Midhun jose said...

Excellent Insights provided, You have taken each and every minute Cross-Cultural aspects into consideration. This will be a great help for all students and those who have any interest on International Business.

vishal said...
This comment has been removed by the author.
mahipal said...
This comment has been removed by the author.
mahipal said...

Dude i am about to write a long ass paper on Wal-Mart and its failures in germany.You made my job easier bro..

Radhakrishna.Herurkar said...

excellent friend

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Unknown said...

Hello Everybody,

TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY

My name is Marina Luda. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Broke Life and that of my family, i will refer any person that is looking for loan to Them. They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mr. Oscar James referred you to them.

contact via E_mail:oceanfinancials.uk.net@gmail.com website http://oceanfinancialsloanfirm.webs.com/


Marina

Unknown said...

I am Mrs Kesby Karen and it gives me joy writing this article of my testimony on how i became financially stable and summary of my previous finance stage before now. I believe there is nobody that doesn`t like money, when one is having finances, there is inner joy in you and i am among those having joy now and i will through this article saves you that is reading now in financial mess on how to be financially stable with Williams Jeffery Loan Company Before now, i make little earn with one transport company i was working with and it didn`t take me anywhere, i lived in struggle and what pained me most was my family because my husbands little salary couldn't cater and take good care of me and our children`s needs but i had no choice but to manage the business and another thing that caused me grief was i didn`t always have time for my family and i wanted a business for myself but i couldn`t even afford a hundred dollar to make it work. But when i thought all hope and aspiration for my business plan was void then a friend of mine now retired in the same transport company where i worked advised me and referred me to an online Financial Institute that could better my financial stage and he stressed on that he is living well and fine today because of the financial body and i contacted them for help and to my greatest amazement, i was offered a loan of 120,000usd at affordable 2.5% rate for 7years after due process and today i am living well and happy and i now have time for my family because i am my own boss now. And i will forever maintain a standard relationship with Williams Jeffery Loan Company because they are the reason i am living with joy today. For as many in financial mess, bad credits, debt, in need or whatsoever challenges that you`re in today don`t fail to contact them on their email: williamsjefferyloancompany@gmail.com and i do assure you that your desires will be manifested.

rose said...

DIRECT SERVICE ONLINE FIRM
HEAD OFFICE---Richmond Road,Worthing, United Kingdom
EMAIL--[directserviceonlinefirm@gmail.com]
---------------------------------------------------------------------------
We give out loans from the range of $1,000 to $90,000,000.at an interest
of 2% Interest rate.

Interested clients should please fill our form below-

NAME--------------
COUNTRY-----------
ADDRESS--------------
AMOUNT OF LOAN NEEDED-------
PURPOSE OF LOAN ------------
SCAN AND ATTACH YOUR IDENTITY CARD--
OFFICE/HOME PHONE NUMBER-----------
GENDER---------------------------

Our company mailing contact box is
via- [directserviceonlinefirm@gmail.com]

ROSE WILLIAMS
EMAIL--[directserviceonlinefirm@gmail.com]
DIRECT SERVICE ONLINE FIRM

Tracy Williams said...



HELLO
Are you in any kind of financial difficulty? Are you having
sleepless nights and worried on how to get a loan to relief
you of all your financial stress? Your help comes now.

Contact: TRACY WILLIAMS LOAN COMPANY for easy and
reliable loans at 3%.
Email: tracywilliamsloancompany@gmail.com

APPLICANT'S INFORMATION
Full Name:.........
Country:...........
State:.............
Sex:...............
Loan Amount:.......
Loan Duration:.....
Address:...........
telephone number:..

TRACY WILLIAMS

Tracy Williams said...



A licensed Loan Lender, We offer Affordable Loan at 3% interest rate available for local and international borrowers, Are you seriously interested in getting a genuine Loan without stress? Do you need this Loan for business and to clear your bills? Then send us an email now for more details via:(tracywilliamsloancompany@gmail.com)

LOAN APPLICATION FORM.

(1)Full Name:
(2)Country:
(3)State:
(4)Address:
(5)Sex:
(6)Occupation:
(7)Amount needed:
(8)Loan duration:
(9)Loan purpose:
(10)Telephone

Email Us:(tracywilliamsloancompany@gmail.com)

TRACY WILLIAMS

George Clydesdale said...

Welcome To George Clydesdale Loan Service….

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

Our loans Are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @3% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

Interested applicants should Contact us via email: {clydesdaleloancompany@yahoo.com or clydesdaleloancooperation@hotmail.com} or Tel: +1(347) 708-8926

So we await to hear from you soon.
Thanks for your cooperation
George Clydesdale...

Anonymous said...

Do you need an urgent loan or any other financial assistance?
We offer all type of loan at two percent (2%) interest. email us now
via jameshaltloanfirm@gmail.com with the following information

full name

date of birth::

country:

permanent address:

occupation:

loan amount:

loan duration:

loan purpose:

monthly income:

have you applied before:

Anonymous said...

Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

Anonymous said...

Hi, Am here to testify about how i save my marriage from divorce and get my husband back today.! A very big problem occurred in my Marriage seven months ago,between me and my husband .so terrible that he took the case to court for a divorce. he said that he never wanted to stay with me again,and that he didn't love me anymore.So he packed out of the house and made me and my children passed through severe pain. I tried all my possible means to get him back,after much begging,but all to no avail.and he confirmed it that he has made his decision,and he never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my husband .So i explained every thing to him,so he told me that the only way i can get my husband back,is to visit a spell caster,because it has really worked for him too.So i never believed in spell,but i had no other choice,than to follow his advice. Then he gave me the email address of the spell caster whom he visited. TEMPLEOFLOVEANDPROSPERITY@GMAIL.COM. So the next morning,i sent a mail to the address he gave to me,and the spell caster assured me that i will get my husband back the next day. What an amazing statement!! I never believed,so he spoke with me, and told me everything that i need to do. Then the next morning, So surprisingly, my husband who didn't call me for the past 7 months, gave me a call to inform me that he was coming back. So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there if you have any problem contact Dr Frank Ojo, i give you 100% guarantee that he will help you.. Email him at: Templeofloveandprosperity@gmail.com . My name is Amanda Bryan, me & my family live in Toronto, Canada.Thanks for reading .

Anonymous said...

Best Place To Get A Solution To Your Financial Problems (Lexieloancompany@yahoo.com)!!!

My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers and i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( Lexieloancompany@yahoo.com ) or text Tel: +14069460675 thanks

Anita Frank said...

HOW I GOT MY LOAN FROM THIS GREAT COMPANY

Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
They offer all kind of categories of loan they
Short term loan (5_10years)
Long term loan (20_40)
Media term loan(10_20)
They offer loan like
Home loan............., Business loan........ Debt loan .......
Student loan..........,Business start up loan
Business loan....... , Company loan.............. etc
Email..........(wilsonedwardsloancompany@gmail.com )
When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

Unknown said...

My name is Andy James currently living in Zurich Switzerland,Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540.

Anonymous said...

How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

Hello, I am Andrew Thompson by Name currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or call +1(406)946-0675 thanks, I am sure he will also help you.

Unknown said...

Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana,Turkey, France and Israel My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service. Email: morristrustfundlimited@hotmail.com USA Florida +18503666201

Unknown said...

Hello,
Do you need an urgent loan to clear your debts or you need a capital loan to improve your business?have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past.

We offer loans to those that are interested at an affordable interest rate of 2%.Amount range from $5,000.00 Dollars to a maximum of $100,000,000.00 Dollars.

Our loans are well insured as maximum security is our priority.
INVESTORS ARE ALSO NEEDED.

Contact us via email:
owenloanfirm@hotmail.com

Kind Regards
ALEXANDER OWEN
GIVING YOUR WORLD A MEANING.

Unknown said...

Hello,
Do you need an urgent loan to clear your debts or you need a capital loan to improve your business?have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past.

We offer loans to those that are interested at an affordable interest rate of 2%.Amount range from $5,000.00 Dollars to a maximum of $100,000,000.00 Dollars.

Our loans are well insured as maximum security is our priority.
INVESTORS ARE ALSO NEEDED.

Contact us via email:
owenloanfirm@hotmail.com

Kind Regards
ALEXANDER OWEN
GIVING YOUR WORLD A MEANING.

Unknown said...

Hello,
Do you need an urgent loan to clear your debts or you need a capital loan to improve your business?have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past.

We offer loans to those that are interested at an affordable interest rate of 2%.Amount range from $5,000.00 Dollars to a maximum of $100,000,000.00 Dollars.

Our loans are well insured as maximum security is our priority.
INVESTORS ARE ALSO NEEDED.

Contact us via email:
owenloanfirm@hotmail.com

Kind Regards
ALEXANDER OWEN
GIVING YOUR WORLD A MEANING.

Unknown said...

Brothers/Sister's. Are you looking for loan to finance your large or small business,we'll help you get the large amount of loan you desire for your business,we offer first class business and commercial loan to enable small scale business attain success in obtaining start up or refinance their business Bad credit rating accepted and poor business performance are accepted.apply today via email ( osmanloanserves@gmail.com

Dr Ogudugu Solution Temple said...

Hello,

I'm Dr Ogudugu a real and genuine spell caster with 25 years experience in spell casting. I'm an expert in all spell, i specialize exclusively in LOVE, FRUILT OF THE WOMB, HIV/AIDS CURE, CURE FOR HERPES, MERMAID SPELL, VAMPIRE SPELL, MONEY SPELL, DEATH SPELL, CHILD BIRTH, GET YOUR EX LOVER BACK.
If you have a problem and you need a real and genuine spell caster to solve your problems, contact me now through my personal email address, GREATOGUDUGU@GMAIL.COM

Note- mail me VIA Contact info- GREATOGUDUGU@GMAIL.COM

Warm Regards and my blessings,
Dr Ogudugu

nabilmubarak said...

With Gain Credit Personal Loans, you can get instant loan/money for a wide range of your personal needs like renovation of your home, marriage in the family, a family holiday, your child's education, buying a house, medical expenses or any other emergencies. With minimum documentation, you can now avail a personal loan at attractive 3% interest rates. This is trust and honest loans which you will not regret, Contact us via Email: gaincreditloan01@gmail.com

Your Full Details:
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Applied before. . .. . .. . ..
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Email Us: gaincreditloan01@gmail.com

Mohamed Ali said...

GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW.
Are you in need of a Loan to pay off your debt and start a new life? You have come to the right place were you can get your loan at a very low interest rate. Interested people/company should please contact us via email for more details.

E-mail: shadiraaliuloancompany1@gmail.com

karen disch said...

After being in relationship with Morgan for seven years,he broke up with me,I did everything possible to bring him back but all was in vain,I wanted him back so much because of the love I have for him,I begged him with everything,I made promises but he refused.I explained my problem to someone online and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell,I had no choice than to try it,I mailed the spell caster, and he told me there was no problem that everything will be okay before three days,that my ex will return to me before three days, he cast the spell and surprisingly in the second day,it was around 4pm.My ex called me,I was so surprised,I answered the call and all he said was that he was so sorry for everything that happened,that he wanted me to return to him,that he loves me so much.I was so happy and went to him,that was how we started living together happily again.Since then,I have made promise that anybody I know that have a relationship problem,I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there.Anybody could need the help of the spell caster you can email him drakugbespellhome1@gmail.com if you need his assistance in your relationship or anything I CAN NEVER STOP TALKING ABOUT YOU SIR DR patrick HIS EMAIL:he can also help to cure any kind of illness like
drakugbespellhome1@gmail.com

1 cancer cure
2 diabetes cure
3 wining of lotto
4 herpes cure
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6 HPV cure
7 get your ex back
8 pregnancy herbal medicine

Unknown said...

How i got my Desired Loan Amount from a Reliable Loan Company (Alexloancompany@yahoo.com)

Hello everyone, My name is Ketesha Frank, I am from the Alabama, United State, am here to testify of how i got my loan from Mr Adolf Alex Loan Company{ (Alexloancompany@yahoo.com) } after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr Adolf Alex Loan Company, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Adolf Alex, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr Adolf Alex Loan Company, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Mr Adolf Alex Loan Company his email address is ( Alexloancompany@yahoo.com) or Text: +1 571-322-5806

Unknown said...

Get BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it's not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today @ our E-mail address at: blankatmfundsmachine@gmail.com.

Unknown said...

I am Mrs Kesby Karen and it gives me joy writing this article of my testimony on how i became financially stable and summary of my previous finance stage before now. I believe there is nobody that doesn`t like money, when one is having finances, there is inner joy in you and i am among those having joy now and i will through this article saves you that is reading now in financial mess on how to be financially stable with Williams Jeffery Loan Company Before now, i make little earn with one transport company i was working with and it didn`t take me anywhere, i lived in struggle and what pained me most was my family because my husbands little salary couldn't cater and take good care of me and our children`s needs but i had no choice but to manage the business and another thing that caused me grief was i didn`t always have time for my family and i wanted a business for myself but i couldn`t even afford a hundred dollar to make it work. But when i thought all hope and aspiration for my business plan was void then a friend of mine now retired in the same transport company where i worked advised me and referred me to an online Financial Institute that could better my financial stage and he stressed on that he is living well and fine today because of the financial body and i contacted them for help and to my greatest amazement, i was offered a loan of 120,000usd at affordable 2.5% rate for 7years after due process and today i am living well and happy and i now have time for my family because i am my own boss now. And i will forever maintain a standard relationship with Williams Jeffery Loan Company because they are the reason i am living with joy today. For as many in financial mess, bad credits, debt, in need or whatsoever challenges that you`re in today don`t fail to contact them on their email: williamsjefferyloancompany@gmail.com and i do assure you that your desires will be manifested.

Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com

Unknown said...

GET YOUR LOAN IN YOUR BANK ACCOUNT WITHIN 24 HOURS APPLY NOW



Hello, Do you need a loan from The most trusted and reliable company
in the world? if yes then contact us now for we offer loan to all
categories of seekers be it companies or for staff usage. We offer
loan at 3% interest rate, Contact us via email:
homefund01@gmail.com

(1) Full Name
(2) Full Address
(3) Country
(4) Age
(5) Occupation
(6) Tell phone number
(7) Sex:
(8) Loan Amount needed:
(9) Loan Duration

Email us at: homefund01@gmail.com

Bello said...


Hi, my Name is Helle am a citizen of South African base in Cape Town shearing this testimony is a promise i made in my mind to also assist my brothers and sisters here in SA and is this i was looking for money so hard to support my family and prepared my children for this year as a single Father and nobody is willing to help me with money even the Bank rejected me then i decide to be searching for trust private Lender there is when i come across Kumaresan Kahlil Loan Investment Company base in Singapore but Have different branches all around the world wide They offer in Low percentage and what surprises me is this just in 3hrs 30mins 160.000.00USDollars was transfer to my account that is why a made a promise to shear this with my people interested contact their Email;fastneasservice22@muslim.com now they can help out, when you contact them let them know is me Helle direct you to contact.

Unknown said...

We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

Contact : Mr. Johnson Hatton
Email:johnsonhatton@gmail.com
Skype ID: johnson.hatton007

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?

Contact me for more details.

Johnson Hatton

Mrs.Irene Query said...

MRS. IRENE QUERY FINANCE IS THE BEST PLACE TO GET A LOAN {mrsirenequery@gmail.com}

God bless you Mum, I will not stop telling the world about your kindness in my life, I am a single mum with kids to look after. My name is Mrs.Rachel Alex, and I am from Singapore . A couple of weeks ago My friend visited me and along our discussion she told me about MRS.IRENE QUERY FINANCE, that they can help me out of my financial situation, I never believed cause I have spend so much money on different loan lenders who did nothing other than running away with my money. I have been in a financial mess for the pass 7 months now,She advised I give it a try so I mailed her and explain all about my financial situation to her, she therefore took me through the loan process and gave me a loan of $180,000.00 at a very low interest rate of 3% and today I am a proud business owner and can now take good care of my kids, If you must contact any firm to get any amount of loan you need with a low interest rate of 3% and better repayment schedule, please contact MRS.IRENE QUERY FINANCE via email{mrsirenequery@gmail.com}

ROSE ANDERSON said...

our company work according to a clear, flexible, transparent and easy to understand terms. We offer very low interest rates in relation to the transition slow down economic activity (recession) in most countries of the world. You may have bad credit, Our company now offers affordable interest rate loan, so what do you need funds to boost your business? Or are you in need of money for some personal purposes? Why not contact us now, as we offer loans by individuals or legal entities at the 3% interest rate for a maximum period of 25 years. The interested applicant can contact us via e-mail now: paulsonloaninvestment@gmail.com

Unknown said...

Hello Everybody,
My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

LOAN APPLICATION INFORMATION FORM
First name......
Middle name.....
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8) Email address..........
9) Monthly Income:.....................
10) Occupation:...........................
11)Which site did you here about us.....................
Thanks and Best Regards.
Derek Email osmanloanserves@gmail.com

Mrs Sharon Sim said...

My name is.Mrs.Anna Daniel. I live in Ukraine i am a happy woman today? i need to use this time to tell all people how i got my loan from this honest and God fearing man loan lender that help me with a loan of $84,000 please contact him. if you also need a loan without any problem he name is Dr Purva Pius email {urgentloan22@gmail.com} tell him that is Mrs.Anna Daniel that refer you to he contact Email {urgentloan22@gmail.com}

Mrs Sharon Sim said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:{urgentloan22@gmail.com}

Unknown said...

How I Got Back On My Feet Again Through The Help Of A Reliable Loan Company

Am here to share my testimony of what a good trusted loan company did for me. My name is Robert Laura, from Texas United States and I’m a lovely mother of 3 kids i lost my Job a couple of months ago 14th January precisely and things where so hard for me and my children, I went online to seek for a loan assistance and i fall into the hands of scammer, i was scam over $4,500.00 dollars, all my access where all gone, taken away from me. all hope was lost and i and my kids where sleeping in the street not until one faithful day when i met this friend of mine who recently secured a loan from PHILIPS LOAN FIRM. She introduced me to this honest company who helped me get a loan in less that 24 hours which was May 25th 2017 without any stress, i will forever be grateful to MR Philips Harvey, for helping me get back on feet again. you can contact them via email: Philipsharveryloanfirm@gmail.com, they do not know I’m doing this for them, but i just have to do it because a lot of people are out there who are in need of a loan assistance and they have been scammed like me please come to this company and be saved.Email:(Philipsharveryloanfirm@gmail.com)

Regards.

Dr Purva Pius said...

We Offer Loan At A Very Low Rate Of 3%. If Interested, Kindly Contact Us Now.email us now reply to email {urgentloan22@gmail.com}

Dr Purva Pius said...

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Unknown said...

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Business loans in Coimbatore

Unknown said...

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

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Anonymous said...

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Remain Blessed,
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Unknown said...

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you?

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

Phone Number+1 412-329-4367

1. Full Names:……………………….
2. Contact Address:…………………..
3. Loan Amount Needed:………………..
4. Duration of the Loan……………….
5. Direct Telephone Number:……………..
6. Monthly Income:……………..

Email (armandotaylorloanhome@gmail.com)
Best Regards,

Mr Armando Taylor.

Unknown said...

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you?

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

Phone Number+1 412-329-4367

1. Full Names:……………………….
2. Contact Address:…………………..
3. Loan Amount Needed:………………..
4. Duration of the Loan……………….
5. Direct Telephone Number:……………..
6. Monthly Income:……………..

Email (armandotaylorloanhome@gmail.com)
Best Regards,

Mr Armando Taylor.

Janet Williams said...

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Unknown said...


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Unknown said...


Good day
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* Personnel loans (secured and unsecured)
* Business loans (secured and unsecured)
* Consolidation Loan
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* Home Improvement Loans
* Automotive / Medical / Student Loans
* Debt consolidation loan

Thank you for taking the time to read this ad.
For more information and inquiries, send us e-mail to today privatetrustloan@yahoo.com


Unknown said...


Good day
Private Trust loan, we give loans with out feel and at low interest rate 0f 1.5%. Private Trust loan is the best solution for your business. We provide a variety of loans

* Personnel loans (secured and unsecured)
* Business loans (secured and unsecured)
* Consolidation Loan
* Car Loan
* Home Improvement Loans
* Automotive / Medical / Student Loans
* Debt consolidation loan

Thank you for taking the time to read this ad.
For more information and inquiries, send us e-mail to today privatetrustloan@yahoo.com

Gl-Bp said...

Dear Customers,

Capital funding for cooperate bodies,individuals and companies:
We specialize in providing capital for business start-up, business developments, business expansion and investment capital Ranges from 20,thousand to 10,Million (CPL) Our funding sources specialize in creative solutions to meet your needs. Emails us to provide you the required capital- Fast Process and Instant Approval ‎

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Unknown said...

DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)


Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. we offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)


Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans


Yours Sincerely,
Dr. Maverick Leonidas
+1 (424)704-8035

Anonymous said...

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Great thanks unto these great company who made it possible for me to upgrade my family business i was stuck in a financial situation and i needed to refinance my business and pay my bills. Until i met this lender who helped me out with the required capital loan. If you must contact any firm with reference to securing a capital loan with low interest rate of 2% and better repayment plans and schedule,

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Unknown said...

To Whom It May Concern

ATTN,

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Mortgage loans
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© 2017 SKY GROUP PLC

Unknown said...

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you?

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

Phone Number+1 412-329-4367

1. Full Names:……………………….
2. Contact Address:…………………..
3. Loan Amount Needed:………………..
4. Duration of the Loan……………….
5. Direct Telephone Number:……………..
6. Monthly Income:……………..

Email (armandotaylorloanhome@gmail.com)
Best Regards,

Mr Armando Taylor.

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Unknown said...

Good Day Everyone,
We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email barbarahodgeloanfirm@gmail.com. for the bible says””Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened”.So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.
via email barbarahodgeloanfirm@gmail.com.

Our Services Include the Following:
Debt Consolidation
Second Mortgage
Business Loans
Personal Loans
International Loans
Loan for any kinds
Family loan
E.T.C

Loan Application Form:

* Name of Applicant:
* Address:
* City:
* State:
* Country:
* Gender:
* Marital Status:
* Age:
* Occupation:
* Income Rate:
* Tel:
* Mobile:
* Amount Requested:
* Loan Duration:
* Loan Purpose:
* Have you applied for a loan before?
* If yes; Name of company & Location:

EMPLOYMENT:

* Place of work:
* Address:
* Phone Number:

Loan Officer.

Monday-Saturday:7:30am-6:30pm {Processing time}.
Sunday:12noon-6:30pm {Processing time}
After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you.

BARBAR HODGE

barbarahodgeloanfirm@gmail.com or text or call us on +15017229938
Awaiting your swift reply.

Unknown said...

DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)


Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. we offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)


Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans


Yours Sincerely,
Dr. Maverick Leonidas
+1 (424)704-8035

ROSE ANDERSON said...

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Monica said...

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Unknown said...

Dear Customers,

Business-Capital-Experts
We are currently funding for Business start-up, business developments, business expansion, Project and we also offer working Capital loan ILM.) Ranging from (20,000.00 to 30,Million Maximum IM-Euro,Usd,Pounds) Our funding sources specialize in creative solutions to meet your needs. We satisfy our customers’ financial needs and help them succeed financially. With Fast Process and Instant Approval.

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ROSE ANDERSON said...

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Anonymous said...


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**********************
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Loan Amount:
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power Financial Service Pvt.
Contact Us At :powerfinance7@gmail.com
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Anonymous said...


Are you looking for a business loan, personal loans, mortgages, car
loans, student loans, debt consolidation loans, unsecured loans, risk
capital, etc. ... You are in the right place
Your loan solutions! I am a private lender who lends
Individuals and businesses at a low interest rate and affordable
Interest rate of 3%. Contact us by email: powerfinance7@gmail.com

LOAN APPLICATION FORM
**********************
Your full name:
Country/State:
Loan Amount:
Duration
Phone:
Monthly income:
Occupation:

Awaiting your swift response.
May Allah bless you.
IBRAHIM MUSA
power Financial Service Pvt.
Contact Us At :powerfinance7@gmail.com
WhatsApp Number +919717357946

Monica said...

re you a business man or woman? Do you need loan to settle your debt and start a nice business of your own? Do you need loan to finance your project? We Offer guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies via our email (monicafredcashloan@gmail.com) or call our line with instructions as listed below.

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Dr gomez said...

Good Day Everyone,
We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email barbarahodgeloanfirm@gmail.com. for the bible says””Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened”.So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.
via email barbarahodgeloanfirm@gmail.com.

Our Services Include the Following:
Debt Consolidation
Second Mortgage
Business Loans
Personal Loans
International Loans
Loan for any kinds
Family loan
E.T.C

Loan Application Form:

* Name of Applicant:
* Address:
* City:
* State:
* Country:
* Gender:
* Marital Status:
* Age:
* Occupation:
* Income Rate:
* Tel:
* Mobile:
* Amount Requested:
* Loan Duration:
* Loan Purpose:
* Have you applied for a loan before?
* If yes; Name of company & Location:

EMPLOYMENT:

* Place of work:
* Address:
* Phone Number:

Loan Officer.

Monday-Saturday:7:30am-6:30pm {Processing time}.
Sunday:12noon-6:30pm {Processing time}
After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you.

BARBAR HODGE

barbarahodgeloanfirm@gmail.com or text or call us on +15017229938
Awaiting your swift reply.

Anonymous said...

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Unknown said...

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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Vasquez Reynolds Loan Home is the answer. Reduce your payments to ease the
strain on your monthly expenses. Email (vasquezreynoldsloanhome@gmail.com)


Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.We are certified and your privacy is 100% safe with us. Worry no more about
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Yours Sincerely,
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Get your instant loan approval

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Online Announcer.

Unknown said...

Good Day Everyone,barbarahodgeloanfirm@gmail.com
We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email barbarahodgeloanfirm@gmail.com. for the bible says””Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened”.So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.
via email barbarahodgeloanfirm@gmail.com.

Our Services Include the Following:
Debt Consolidation
Second Mortgage
Business Loans
Personal Loans
International Loans
Loan for any kinds
Family loan
E.T.C

Loan Application Form:

* Name of Applicant:
* Address:
* City:
* State:
* Country:
* Gender:
* Marital Status:
* Age:
* Occupation:
* Income Rate:
* Tel:
* Mobile:
* Amount Requested:
* Loan Duration:
* Loan Purpose:
* Have you applied for a loan before?
* If yes; Name of company & Location:

EMPLOYMENT:

* Place of work:
* Address:
* Phone Number:

Loan Officer.

Monday-Saturday:7:30am-6:30pm {Processing time}.
Sunday:12noon-6:30pm {Processing time}
After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you.

BARBAR HODGE

barbarahodgeloanfirm@gmail.com or text or call us on +15017229938
Awaiting your swift reply.

Unknown said...

Business loans has been designed keeping in mind the individual short term fiscal needs. Individual through this can acquire the funds without going through any process of credit checking.