1. The document provides information about various financial services and products for small businesses, including merchant cash advances, payroll services, data storage, and medical insurance options. 2. It discusses the benefits of merchant cash advances over loans, including faster funding without fees or collateral. However, it notes merchant cash advances involve the purchase of future credit card receivables at a discounted rate. 3. The document also provides information on SBA loan programs and guarantees, including eligibility requirements and loan purposes. It notes partnering organizations that can help process SBA loans more quickly.

1. 1. Quick and Easy Business Newsletter May 2010
TO: SMALL BUSINESS OWNERS AND MANAGERS
SAFE AND PREPARE
1. commentary
Merchants
’ Cash Advance? [1] Knowledge
is power!
PEACEFUL ACCOUNTABILITY TO THE LAW
From the Communications Team of:
Gramercy Capital & Business Services , Ltd.
PO Box 1337, Stony Brook, NY 11790
Tel # 631-865-2901 – Alt # 347-492-2352
Fax # 347-578-8745
Fiji
www.GRAMERCYCBS.COM
Email: GRAMERCYCAP@LIVE.COM
SMALL BUSINESS CONCERNS ABOUT MEDICAL INSURANCE?
JUST SUPPLY YOUR E-MAIL OR PERFERED FAX # YES I
WOULD
LIKE TO
RECEIVE
YOU NEWS
LETTER
SENT TO GRAMERCYCAP@LIVE.COM HAVE
QUESTIONS
JUST FAX
OR CALL!
IT MAY NOT HAPPEN IN 2011 JUST BE PREPARED YOU CAN’T SPEND
TAX CREDITS
IMMEDIATE CASH

2. What is Cash Advance?
NO FEE APPLICATION - LOWER
PROCESSING COST MERCHANTS’
ACCOUNTS:
Free audit CASH ADVANCE
WHO IS LOBBING FOR SMALL BUSINESS
The National Federation of Independent Business [2]
said loans to small business required owners’ to go to a
Community Bank, secondary lenders or shop outside of their
area to seek required working capital and/or expansion loans.
The record low of loan activity was the lowest since it started
keeping records in 1983. Then there’s the ambiguity of what
could count as a new loan under these programs. The answer
varies from bank to bank. So don’t expect much change.
The first edition will be a produce of Small Business News and
the introduction of business services. This newsletter is to
reflect and enlighten you on how the new Federal Government
Medical Insurance Law will affect your Business. What’s going
on in banking? I will summarize the latest news and
information on the Banking and Political posturing of the
respective Administrations. The new Medical Insurance law
requires, all US Citizens must have medical insurance the
Law [3] a reality, best accept it, prepare. Annexed, is an
informal information application.
OPENING COMMENTS AND ACKNOWLEDGEMENT :
We can cut some of your business expenses with our credit
processing and provide a working capital base. Our CASH
ADVANCE in partnership with (Newtek) [4]
Our Processing
Services will be lower with cash advances. NOTE: all present
processing equipment can be used and any present
contractual agreements settled at our expense.
PAYROLL SERVICE: For what it cost for a daily cup of
coffee. We will manage all of the payroll and tax hassles while
eliminating the headache on medical insurance deduction for
your employees. Dealing with taxes calculation, tax credits
and allowances for medical insurance It will provide a no
hassle back up for any impending audit from the IRS in
connection to compliance.
DATA STORAGE:
In addition we provide fast, secure, off-site data storage,
backup and retrieval systems designed to meet the specific
regulatory and compliance needs facing any business
eliminating the risk and burden of tape.

3. Contents
Merchants’ 1
Section 1: ALWAYS A Free audit for lower Merchants’
processing: 2
Section 2: cash advance benefits vs. down side Cost:
2
Section 3: AN ADDED PROTECTION - Payroll SERVICE WITH
ERRORS AND OMITIONS COVERAGE: 2
When selecting a payroll service, your options are numerous –
and the ultimate price you pay will depend on your company’s
needs. Our research will give you a general idea of the costs
involved. We completed an online price quote, and then
phoned to find out more information. The representative we
spoke with wanted a lot of highly specific data on our sample
company. So, we’re going with the basic quote found through
the online calculator: $87.50 per payroll (not sure about the
exact breakdown of fees). Paychex has 2 distinct options for
payroll services: 1 option is aimed at businesses with 1-49
employees, while the other is for firms with 50+ employees.
Smaller companies (option 1) have the option of submitting
payroll data via phone, fax, or online. Estimated $96.75 a
month Surepayroll is an online solution targeting small
businesses. They offer one comprehensive package that
includes direct deposit and tax filings. Estimated 87.50 per
month intuit assisted payroll: $37.94 per payroll, or $82.21 per
month. Note: set fees combined with other offered services
will be modified or waived. 2
Section 4: Group medical coverage: 3
Section 5: Working Capital options 3
Section 6: government Small Business Administration
GUARANTEES programs and how it may AFFECT
you. 3
ANOTHER CONSIDERATION FOR SMALL
BUSINESS: 4
Additional Information and Commentary 4
Section 1: ALWAYS A Free audit for lower Merchants’
processing:
Our partnership with Newtek Merchants’ Processing Services
includes cash advances and related business products. We
can offer an economical savings, all present processing
equipment can be used and any present
contractual agreements settled at our expense. Annexed
Exhibit 1 Information application (Credit volume, contact,
formal name of concern and other non credit details of the
business. As the manager or owner of a small business, you
are probably very much aware of what a traditional small

4. business loan is. While small business loans can often save
the day when your business finds itself short on cash, the
application process can be difficult, confusing, lengthy, and
full of hassles. Believe it or not, small business loans are not
the only solution for securing additional cash for your
company. So what is a merchant cash advance, exactly?
Section 2: cash advance benefits vs. down
side Cost:
Today's tight credit market, a merchant cash advance is a
very easy and efficient way to get funding for your business
when you need it most. A merchant cash advance is a smart,
safe, and simple solution to your business' immediate cash
flow needs. The business advance is much easier; advances
are funded within a couple of business days with no
application fees, very little paperwork, and no collateral
required and no credit notifications. This makes obtaining a
merchant cash advance more convenient than the typical
business loan. It is important to understand that a merchant
cash advance is not a business loan. In fact, it's not a loan at
all.
A merchant cash advance is what is known as credit and
receivables funding which means it is the purchase of your
future credit card receivables at a discounted rate.
Repayment is based on the factoring of a fixed percentage of
your daily credit card processing [5] . The advance maturity
period is usually up to 6 months. So, if you bring in less sales
one day, you pay back less for that day. If you need operating
capital but don't qualify for a traditional business loan
because of poor or little credit or no collateral, a merchant
cash advance is a viable alternative for your company with
sufficient credit card sales for the last 3 months you can
qualify.
Section 3: aN ADDED PROTECTION - Payroll SERVICE
WITH ERRORS AND OMITIONS COVERAGE :
When selecting a payroll service, your options are numerous –
and the ultimate price you pay will depend on your company’s
needs. Our research will give you a general idea of the costs
involved. We completed an online price quote, and then
phoned to find out more information. The representative we
spoke with wanted a lot of highly specific data on our sample
company. So, we’re going with the basic quote found through
the online calculator: $87.50 per payroll (not sure about the
exact breakdown of fees). Paychex has 2 distinct options for
payroll services: 1 option is aimed at businesses with 1-49
employees, while the other is for firms with 50+ employees.
Smaller companies (option 1) have the option of submitting
payroll data via phone, fax, or online. Estimated $96.75 a
month Surepayroll is an online solution targeting small
businesses. They offer one comprehensive package that
includes direct deposit and tax filings. Estimated 87.50 per
month intuit assisted payroll: $37.94 per payroll, or
$82.21 per month. Note: set fees combined with other
offered services will be modified or waived.
Section 4: Gr oup medical coverage:
Group health, life, disability and related
entitlements can be deducted. Our partner is

5. licensed in all 50 States and their combined
resources will benefit you and your business with the
best legal coverage available. Additionally, related
notices and/or forms will be prepared to protect
you/your business from any Local, State or Central
Government penalties. There will be no additional
fees and you can have peace of mind in connection to
these new mandates. At this point, mandate medical
Insurance Government Law, on interstate
competition for medical coverage were not detailed
or defined. We have a close watch on any news or
changes in connection competitive.
We do have current facts on many potential
savings that may be acceptable and appear, for your
benefit, in the future. We at Gramercy have no
alliance to any insurance group. We are consultants
working in concert with our licensed partner for your
benefit. Again there is no obligation or cost to do any
elevation for your special requirements. We work
with your current insurance professionals. We
respect allegiances. We may just provide your
present professional relationships with some insights
in connection to Government provisions We at
Gramercy are not insurance agents, lawyers or
accountants. We provide the donut hole, Government
term, to fill gap. Lawyers for the most part defend
actions and/or documents as instructed and
accountants’ count the beans and you other
professionals general provide the necessary
coverage. I you require any detail information or
analyst on your present insurance coverage. Just let
us know and we at no cost will supply you with a
detailed analyst with comps on various products.
Section 5: Working Capital option s
New ad campaign publicizes the banks plans to lend $10
billion to small businesses this year. Other banks, also say
they’ll extend more small-business loans. Bold promises, for
sure. Just don’t expect to know many details on how they’re
delivered. Forget searching for “small business loans” on the
banks’ Web sites to get specifics on the progress of these new
programs. Same goes for digging into the banks’ finances,
because you aren’t going to find this segment broken out in
one spot.
Small businesses have been among the hardest hit by the
tightening of credit over the last two years. Banks have
dramatically curbed loans to startups, those losing money or
anyone with risks in their business profile. Some 11 percent of
the 2,114 small-business owners surveyed in National
Federation of Independent Business [6] said that they
couldn’t get their borrowing needs met, a record high. On
February by the flip side, only 27 percent were able to get the
loans they needed, a record low for the survey since it started
in 1983. Then there’s the ambiguity of what could count as a
new loan under these programs. The answer varies from bank
to bank. So don’t expect much change.
Section 6: government Small Business Administration
GUARANTEES programs and how it may AFFECT you.
The Gramercy is in partnership with a Nationally recognized

6. Corporation NEWTEK helping entrepreneurs achieve their
business goals. NEWTEK has been designated as a Preferred
Financial services company by SBA. This provides potential
borrows to have loans processed more quickly and efficiently
than many others. NEWTEK is presently associated with 1,600
banks thought the country. There are a number of advantages
to an SBA loan, including longer terms, no points at this time
(Up for review September 2010), and no balloon payments.
Who is Eligible for an SBA Loan? Most for-profit small
businesses are eligible for an SBA guaranteed loan. This
includes manufacturers, wholesale, retail and service
businesses as well as independent or franchise businesses.
Loan Qualifications Retail and service businesses with sales
(3-year average) not exceeding $6 million to $20 million,
depending on the industry.
Since last year, the SBA received Recovery Act money to
make it easier for small businesses to borrow money to
expand or to simply stay afloat. Weekly loan approvals were
up by 87 percent last year and the agency approved $13.6
billion in loans. Earlier this month, the White House approved
an extension of breaks that make the loans great deals for
those who qualify. There’s already a line of applicants waiting
to use that money which runs out at the end of the month. The
White House is urging more money go to sweetening SBA
offerings for both banks and borrowers. Whether or not that
happens is up to Congress. Nevertheless, there’s still pie on
the plate, but applying for a piece takes time, knowledge and
quite often, a banker who’s willing to serve it. Lots of exciting
things are happing except no one is lending. Just a handful of
local banks that offer SBA loans admit that several clients
have had to look outside of the area for willing lenders.
Continue next page Government Small Business
Administration
SBA information continue:
The biggest problems are the smaller loans. The ARC program
under the SBA is intended to give struggling businesses
money to pay off debts and stay up and running. While 5,100
loans were approved throughout the country, local bankers,
business owners and advisors uniformly call the program a
failure. Many banks shied away from the loans for fear that
the reporting and bureaucracy involved would not make them
worth their while. That’s despite the fact that the loans are
100 percent guaranteed by the government. Struggling
business owners who have to show a profit within the past
two years also are turned off by criteria and paperwork that
make the money seemingly untouchable. The program runs
until September. So for the immediate needs on working
capital a merchants’ cash advance can play a big part in
securing a SBA under the ARC program with reasonable rates.
Call it a modified bridge for low interest long term money. We
have the experience and the financial placement ability for
your needs.
SBA NORMAL REQUIREMENTS:
Use of Proceeds Other Credits

7. Considerations
• Commercial • Business
real estate must have adequate
(purchases, historic cash flow to
construction, or cover the proposed
refinance) 90% with debt or a reasonable
other considerations forecast to justify
for closing expenses. the loan.
504 program up to 25 • Business
years. debt to net worth
• Improvements must meet industry
90% 7a- for Leasehold averages within
7 to 12 Years with a reason. There must
fixed rate. Business be evidence of
and advising, owners’
expansions 90% 7a participation.
• Machinery, • Borrowers
equipment, furniture or must be actively
fixtures 90% 7a involved in the day-
to-day operation and
• Business
business. Personal
acquisition 90% 7a
guarantees and
which may be assisted
collateralize
with a combine 504
agreement from
and/or NYBD
husband and wife
participation.
will be expected.
• Working Your business your
capital (offered in risk and sincerity.
conjunction with some
• Satisfactory
of the above)
or explained
• Start-ups (ALL personal credit
Franchises, Motels, histories are
Restaurants Gas required for all
Stations and C-Stores) principles and
90% with advances guarantors.
maximum $100,000.00 Understand this is a
• Economic guarantee program
assistance to from the
supplement working government. Stretch
capital and to bring consideration is
current present granted to assist
obligations. Guarantee banks to make loan
100%, present limit outside of their
$45,000.00 charters.
ANOTHER CONSIDERATION FOR SMALL BUSINESS:
Rule 504D , which provides an exemption for non-reporting
companies unless they are “blank check” issuers or certain
“shells”, stipulates that: The sale of up to $1,000,000 of
securities in a 12-month period is permitted provided that
there is no general solicitation, the securities sold are
restricted securities and cannot be resold except pursuant to
a registration statement or exemption, and a notice must be
filed with the SEC within 15 days after the first sale. Rule 504
does not provide an exemption under any state laws. In
certain limited circumstances where an offering is conducted
under state accredited investor exemptions, securities offered
under Rule 504 may be freely transferrable.
Additional Informati on and Commentary

8. GSB Commentary This News letter will be offered monthly
with upcoming events, small business news, ideas, and notice
of new business services and free options for business
development. The publication will offer information on those
who shape public opinions and turns to be first for in-depth
analysis of National politics, banking news opts, local and
national economics that affect the small business owners. It
will offer foreign affairs opts, social policy, culture, and the
need information and modernization to stay completive, as
well as for reviews of current local and national issues which
will effect your business. The News letters will be a forum for
freethinking debate about the most pressing issues of the
day. This Business News Letter is offered to bring attention
to the needs of the small business owners’: With the Assist of
our business owners’ participation, input, local and national
political assistance, this publication may in time be a major
force in shaping American political favor to the needs of small
business life. The needed attention on small business issues.
The News Letter course of action is to be a primarily known
charity periodical for the intellectual and street business
owners’ of the conservation and neoconservative movements
a brand of dubious thought that emerged as a reaction to the
anti-American radicalism of the 1960's and is today vitally
engaged in the preservation and spread of democracy and
Western values. America’s jobs growth engine is being choked
to death. A record 25 percent increase in the taxes against US
small businesses — from costs associated with new health
care law, to an increased Medicare tax, increased capital
gains taxes and higher state and city taxes — is repealing any
ability of these entrepreneurs to add jobs to their payroll. The
credits Obama has backed, and a similar hiring incentive in a
jobs bill the U.S. Senate approved today by a 70- 28 vote, [7]
aren’t enough to prompt an increase in payrolls, some small
business owners and organizations say. “A business is not
going to bring on a new employee, with the very significant
expenses that go along with the training and expenses. A tax
credit of several of thousand dollars a non cash item just is
not going to work.
4. A National Market Company NASDAQ: NKBS www.newtekbusinessservices.com A National Market Compan
NASDAQ: NKBS www.newtekbusinessservices.com
[1]l. A merchant cash advance is what is known as credit and receivables funding which means it is the
purchase of your future credit card receivables at a discounted rate. Repayment is based on the
factoring of a fixed percentage of your daily credit card processing. The advance maturity period is
usually up to 6 months. So, if you bring in less sales one day, you pay back less for that day. If you need

9. operating capital but don't qualify for a traditional business loan because of poor or little credit or no
collateral, a merchant cash advance is a viable alternative for your company with sufficient credit card
sales for the last 3 months you can qualify.
[2] The National Federation of Independent Business (NFIB) is a lobbying organization with offices in
Washington, D.C. USA, and in all 50 state capitals. NFIB claims a membership base of about 350,000,
down from an excess of more than 600,000 members. NFIB's lobbying efforts are focused on the
impact of current and proposed legislation on businesses and professional practices at all levels of
government, but primarily at the federal and state level. Lobbyist really!
[3]. Starting in 2014, the new Medical Insurance law will require nearly all Americans to have health
insurance through an employer, a government program or by buying it directly. All US citizens will be
forced to have health insurance coverage considered acceptable by the US Government or else pay a
fine of $95 in 2014, $325 in 2015, $695 in 2016 (capped at 2.5% of AGI). All of the fines are per person
per year except for families have a cap on the total fine of $2,250 and the fine amount for children is half
of the adult fine. Businesses with 50 or more employees will face a fine of either $2,000 or $3,000 per
employee for not offering health insurance coverage. The proposal includes part-time workers in the
calculations, counting two part-time workers as one full-time worker.
[4]
[5] Example on Cash advances: Add up your monthly processing statements for the last 6 months. Put your total down and divide by 6 =
Advance. Your can get 80-120% of that amount.
[6] The National Federation of Independent Business (NFIB) is a lobbying organization with offices in Washington, D.C. USA, and in all 50 state capitals. NFIB claims a
membership base of about 350,000, down from an excess of more than 600,000 members. NFIB's lobbying efforts are focused on the impact of current and proposed legislation on
businesses and professional practices at all levels of government, but primarily at the federal and state level. Lobbyist really!
[7] The Hiring Incentives to Restore Employment (HIRE) Act of 2010 (H.R. 2847)
A law in the 111th United States Congress to provide payroll tax breaks and incentives for businesses to hire unemployed workers. Often characterized as a "jobs bill," [1][2][3] the Democrats in Congress insist that it is only
one piece of a broader job creation legislative agenda, along with the Travel Promotion Act and other bills. The Senate passed the bill on February 24, 2010 by a vote of 70-28. The House of Representatives followed on
March 4, 2010, passing an amended version (in compliance with new pay-as-you-go rules) by a vote of 217-201. On March 17, the Senate agreed to the House's amendment by a vote of 68-29, and sent the bill to President
Barack Obama, who signed the bill on March 18, 2010.[4]