gpt_chrome_autodrafter_v3/Untitled-1.md
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Date: Fri, 2 May 2025 13:40:14 -0700
References: <CALhcmpYY6Fr_EiNK=9j_inFQEe4PcDDcmkiWyPEigqWs+WCrzg@mail.gmail.com>
<ins-u-1-01969293-9d6e-7191-8ae4-ebacf5dd2816@newfrontierinc.com>
In-Reply-To: <ins-u-1-01969293-9d6e-7191-8ae4-ebacf5dd2816@newfrontierinc.com>
Bcc: 45972187@bcc.hubspot.com
Message-ID: <CANVF1TOomXe9ykviUG2SScd5e0yFsdhHatt9FCR8jtbmwDFd-A@mail.gmail.com>
Subject: Re: Re: Funding marketing agencies
From: Curtis Boortz <curtis@newfrontierinc.com>
To: kirk@219group.com
Cc: Maria Zandonai <maria@newfrontierinc.com>
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Hi Kirk,
Here with Maria, just jumping in to support. Yours is a unique case, and
this is on us for not making it clear sooner, but the Bolt loan has
industry restrictions around marketing agencies, so they aren't the best
option here.
That said, we work with another SBA bank, Newity, that offers a very
similar product; the main difference is that they *can* work with marketing
agencies.
If that sounds alright with you, I'm happy to move this forward. The next
step would be filling out a quick 5-minute application, after which we can
get some hard numbers for you. Let me know what you think.
Best,
Curtis
On Fri, May 2, 2025 at 12:57=E2=80=AFPM Maria Zandonai <maria@newfrontierin=
c.com>
wrote:
> On Friday, May 2, 2025 at 12:42 pm kirk@219group.com wrote:
> - Revenue of $150k =E2=80=93 confirmed
> - Credit score of 700+ =E2=80=93 yes
> - 100% US ownership =E2=80=93 yes
> - Use of funds? - working capital
>
>
> =E2=80=94=E2=80=94-
> Kirk deViere
> 219 Group
> C: 910-273-8388
> E: kirk@219group.com
>
> ***Sent from my mobile device. Please excuse any errors.
>
>
> On Fri, May 2, 2025 at 3:38=E2=80=AFPM Maria Zandonai <maria@newfrontieri=
nc.com>
> wrote:
>
>> Hi Kirk,
>>
>> Thanks for the reply, happy to hear you're interested! The next steps
>> would be responses on the items below, and then we can get working on a
>> quote for you asap!
>>
>> - Revenue of $150k =E2=80=93 if true, just confirm
>> - Credit score of 700+ =E2=80=93 yes / no (no is fine)
>> - 100% US ownership =E2=80=93 yes / no
>> - Use of funds? (working capital, debt refi, expansion, etc.)
>>
>> Looking forward to your response!
>> Maria
>>
>> --
>> Maria Zandonai | Analyst
>> NewFrontierFunding.com | (619) 853-3580
>> 501 W Broadway San Diego, CA 92101
>> <https://www.google.com/maps/search/501+W+Broadway+San+Diego,+CA+92101?e=
ntry=3Dgmail&source=3Dg>
>> *--We believe that entrepreneurship is the key to creating abundance in
>> the world, so we're here to help any way we can--*
>>
>> CONFIDENTIALITY and ARCHIVES NOTICE: The information contained in this
>> electronic mail and any electronic attachments areconfidential informati=
on
>> intended only for the use of the entity orindividual to whom it is
>> addressed. If the reader of this message is not the intended recipient, =
you
>> are hereby notified that any dissemination, distribution, retransmission=
,
>> or copying of this message or its attachments is strictly prohibited.
>> Please note that New Frontier Funding archives and reviews all outgoing =
and
>> incoming e-mail. It may be produced at the request of regulators or in
>> connection with litigation. New Frontier Funding accepts no liability fo=
r
>> any errors or omissions arisingas a result of transmission. If you have
>> received this message in error, please notify us immediately by reply
>> transmission.
>>
>>
>> On Friday, May 2, 2025 at 12:11 pm kirk@219group.com wrote:
>> Interested.
>>
>> =E2=80=94=E2=80=94-
>> Kirk deViere
>> 219 Group
>> C: 910-273-8388
>> E: kirk@219group.com
>>
>> ***Sent from my mobile device. Please excuse any errors.
>>
>>
>> On Fri, May 2, 2025 at 2:53=E2=80=AFPM Maria Zandonai <maria@newfrontier=
inc.com>
>> wrote:
>>
>>> Hi Kirk,
>>>
>>> The digital marketing agency loan market can feel like a maze, so I put
>>> together a quick cheat sheet to help compare options:
>>>
>>> =E2=80=A2 Traditional Loans (Chase, BofA)
>>> =E2=80=A2 Rates: 8% =E2=80=93 13.25%
>>> =E2=80=A2 Usually slow and require near-perfect qualifications
>>>
>>> =E2=80=A2 Risk-Based Loans (Non-bank lenders)
>>> =E2=80=A2 Rates: 10% =E2=80=93 29.99%
>>> =E2=80=A2 Based on your business=E2=80=99s risk, often leading =
to high rates and
>>> shorter terms
>>>
>>> =E2=80=A2 Short-Term Loans (Advance lenders)
>>> =E2=80=A2 Buy rates: 1.10 =E2=80=93 1.50 (which is roughly 35%+=
APR)
>>> =E2=80=A2 Fast and more flexible, but highest cost
>>>
>>> Our favorite option right now is the SBA Bolt Loan =E2=86=92 up to 150k=
, Prime +
>>> 4.75%, 10-year term, no prepay penalty, closes in 12 days. We like it c=
ause
>>> it=E2=80=99s bank-level pricing with short-term speed.
>>>
>>> We=E2=80=99re committed to helping CEOs get the right debt capital. So =
if it
>>> sounds like good alignment for unknown let me know. I=E2=80=99d love to=
help see if
>>> it=E2=80=99s a fit!
>>>
>>> Thank you :)
>>>
>>> Maria
>>>
>>>
>>> PS. If I'm way off base here, pls. let me know, don't want to clutter u=
p
>>> your inbox.
>>> On Thu, April 3, 2025 3:52 PM, Maria Zandonai <maria@newfrontierinc.com=
>
>>> wrote:
>>>
>>>> Hi Kirk,
>>>>
>>>> There's a simplified SBA program that most digital marketing agencies
>>>> haven't heard about - a third of the usual paperwork, funding in 10-12=
days
>>>> instead of months.
>>>>
>>>> If unknown has been operating for 2+ years with under 100 employees,
>>>> you'd likely qualify for up to 150k at the lowest rates available.
>>>>
>>>> Takes about 2 minutes to check, fully online.
>>>>
>>>> Worth exploring?
>>>>
>>>> Best,
>>>>
>>>> Maria
>>>>
>>>> Maria Zandonai
>>>> New Frontier Funding
>>>> 501 W Broadway
>>>> <https://www.google.com/maps/search/501+W+Broadway+San+Diego,+CA+92101=
?entry=3Dgmail&source=3Dg>
>>>> San Diego, CA 92101
>>>> <https://www.google.com/maps/search/501+W+Broadway+San+Diego,+CA+92101=
?entry=3Dgmail&source=3Dg>
>>>> Opt-Out
>>>> <https://partner.newfrontierinc.com/unsub/1/736aa7e1-1298-4c89-8de6-a1=
0fa7f6a01b>
>>>>
>>>
--=20
*Curtis Boortz | Associate*
NewFrontierFunding.com | Cell: (916) 768-0074
Book time with me here <https://calendly.com/curtis-newfrontierinc/30min>
501 W Broadway
San Diego, CA 92101
*--We believe that entrepreneurship is the key to creating abundance in the
world, so we're here to help any way we can--*
CONFIDENTIALITY and ARCHIVES NOTICE: The information contained in this
electronic mail and any electronic attachments are confidential information
intended only for the use of the entity or individual to whom it is
addressed. If the reader of this message is not the intended recipient, you
are hereby notified that any dissemination, distribution, retransmission,
or copying of this message or its attachments is strictly prohibited.
Please note that New Frontier Funding archives and reviews all outgoing and
incoming e-mail. It may be produced at the request of regulators or in
connection with litigation. New Frontier Funding accepts no liability for
any errors or omissions arising as a result of transmission. If you have
received this message in error, please notify us immediately by reply
transmission.
--0000000000005794a106342d2806
Content-Type: text/html; charset="UTF-8"
Content-Transfer-Encoding: quoted-printable
<div dir=3D"ltr"><div dir=3D"ltr">Hi Kirk,<br><br>Here with Maria, just jum=
ping in to support. Yours is a unique case, and this is on us for not makin=
g it clear sooner, but the Bolt loan has industry restrictions around marke=
ting agencies, so they aren&#39;t the best option here.<br><br>That said, w=
e work with another=C2=A0SBA bank, Newity, that offers a very similar produ=
ct; the main difference is that they <i>can</i>=C2=A0work with marketing ag=
encies.=C2=A0<br><br>If that sounds alright with you, I&#39;m happy to move=
this forward. The next step would be filling out a quick 5-minute applicat=
ion, after which we can get some hard numbers for you. Let me know what you=
think.<br><br>Best,<div>Curtis<br><br></div><div></div></div><br><div clas=
s=3D"gmail_quote gmail_quote_container"><div dir=3D"ltr" class=3D"gmail_att=
r">On Fri, May 2, 2025 at 12:57=E2=80=AFPM Maria Zandonai &lt;<a href=3D"ma=
ilto:maria@newfrontierinc.com">maria@newfrontierinc.com</a>&gt; wrote:<br><=
/div><blockquote class=3D"gmail_quote" style=3D"margin:0px 0px 0px 0.8ex;bo=
rder-left:1px solid rgb(204,204,204);padding-left:1ex"><u></u>
=20
=20
=20
=20
<div>
<div>On <span>Friday, May 2, 2025 at 12:42 pm</span> <span><a href=3D"m=
ailto:kirk@219group.com" target=3D"_blank">kirk@219group.com</a></span> wro=
te:<div><div><div><div style=3D"color:rgb(0,0,0);font-family:-apple-system,=
helveticaneue;font-size:19px;font-style:normal;font-weight:400;letter-spaci=
ng:normal;text-indent:0px;text-transform:none;white-space:normal;word-spaci=
ng:0px;text-decoration:none" dir=3D"auto">- Revenue of $150k =E2=80=93 conf=
irmed</div><div style=3D"color:rgb(0,0,0);font-family:-apple-system,helveti=
caneue;font-size:19px;font-style:normal;font-weight:400;letter-spacing:norm=
al;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;=
text-decoration:none" dir=3D"auto">- Credit score of 700+ =E2=80=93 yes=C2=
=A0</div><div style=3D"color:rgb(0,0,0);font-family:-apple-system,helvetica=
neue;font-size:19px;font-style:normal;font-weight:400;letter-spacing:normal=
;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;te=
xt-decoration:none" dir=3D"auto">- 100% US ownership =E2=80=93 yes=C2=A0<br=
>- Use of funds? - working capital</div></div><br><br><div><div dir=3D"ltr"=
class=3D"gmail_signature">=E2=80=94=E2=80=94-<br>Kirk deViere<br>219 Group=
<br>C: 910-273-8388<br>E:=C2=A0<a href=3D"mailto:kirk@219group.com" target=
=3D"_blank">kirk@219group.com</a><br><br>***Sent from my mobile device. Ple=
ase excuse any errors.</div></div></div><div><br></div><div><br><div class=
=3D"gmail_quote"><div dir=3D"ltr" class=3D"gmail_attr">On Fri, May 2, 2025 =
at 3:38=E2=80=AFPM Maria Zandonai &lt;<a href=3D"mailto:maria@newfrontierin=
c.com" target=3D"_blank">maria@newfrontierinc.com</a>&gt; wrote:</div><bloc=
kquote class=3D"gmail_quote" style=3D"margin:0px 0px 0px 0.8ex;border-left:=
1px solid rgb(204,204,204);padding-left:1ex"><div><div>Hi Kirk,</div><div s=
tyle=3D"box-sizing:border-box;font-family:Roboto,Helvetica,Arial,sans-serif=
;font-size:medium;font-style:normal;font-variant-ligatures:normal;font-vari=
ant-caps:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-=
transform:none;word-spacing:0px;white-space:normal;background-color:rgb(255=
,255,255);text-decoration-style:initial;text-decoration-color:initial;color=
:rgb(0,0,0);text-align:start"><br style=3D"box-sizing:border-box;font-famil=
y:Averta,sans-serif"></div><div>Thanks for the reply, happy to hear you&#39=
;re interested! The next steps would be responses on the items below, and t=
hen we can get working on a quote for you asap!</div><div style=3D"box-sizi=
ng:border-box;font-family:Roboto,Helvetica,Arial,sans-serif;font-size:mediu=
m;font-style:normal;font-variant-ligatures:normal;font-variant-caps:normal;=
font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;w=
ord-spacing:0px;white-space:normal;background-color:rgb(255,255,255);text-d=
ecoration-style:initial;text-decoration-color:initial;color:rgb(0,0,0);text=
-align:start"><br style=3D"box-sizing:border-box;font-family:Averta,sans-se=
rif"></div><div>- Revenue of $150k =E2=80=93 if true, just confirm</div><di=
v>- Credit score of 700+ =E2=80=93 yes / no (no is fine)</div><div>- 100% U=
S ownership =E2=80=93 yes / no<br>- Use of funds? (working capital, debt re=
fi, expansion, etc.)</div><div style=3D"box-sizing:border-box;font-family:R=
oboto,Helvetica,Arial,sans-serif;font-size:medium;font-style:normal;font-va=
riant-ligatures:normal;font-variant-caps:normal;font-weight:400;letter-spac=
ing:normal;text-indent:0px;text-transform:none;word-spacing:0px;white-space=
:normal;background-color:rgb(255,255,255);text-decoration-style:initial;tex=
t-decoration-color:initial;color:rgb(0,0,0);text-align:start"><br style=3D"=
box-sizing:border-box;font-family:Averta,sans-serif"></div><div>Looking for=
ward to your response!</div><div>Maria<br><br></div><div>--</div><div>Maria=
Zandonai | Analyst</div><div>NewFrontierFunding.com | (619) 853-3580</div>=
<div><a href=3D"https://www.google.com/maps/search/501+W+Broadway+San+Diego=
,+CA+92101?entry=3Dgmail&amp;source=3Dg" target=3D"_blank">501 W Broadway S=
an Diego, CA 92101</a></div><div><em>--We believe that entrepreneurship is =
the key to creating abundance in the world, so we&#39;re here to help any w=
ay we can--</em></div><div style=3D"box-sizing:border-box;font-family:Robot=
o,Helvetica,Arial,sans-serif;font-size:medium;font-style:normal;font-varian=
t-ligatures:normal;font-variant-caps:normal;font-weight:400;letter-spacing:=
normal;text-indent:0px;text-transform:none;word-spacing:0px;white-space:nor=
mal;background-color:rgb(255,255,255);text-decoration-style:initial;text-de=
coration-color:initial;color:rgb(0,0,0);text-align:start"><br style=3D"box-=
sizing:border-box;font-family:Averta,sans-serif"></div><div><span style=3D"=
font-size:10px">CONFIDENTIALITY and ARCHIVES NOTICE:=C2=A0</span><span styl=
e=3D"font-size:9px">The information contained in this electronic mail and a=
ny electronic attachments areconfidential information intended only for the=
use of the entity orindividual to whom it is addressed. If the reader of t=
his message is not the intended recipient, you are hereby notified that any=
dissemination, distribution, retransmission, or copying of this message or=
its attachments is strictly prohibited. Please note that New Frontier Fund=
ing archives and reviews all outgoing and incoming e-mail. It may be produc=
ed at the request of regulators or in connection with litigation. New Front=
ier Funding accepts no liability for any errors or omissions arisingas a re=
sult of transmission. If you have received this message in error, please no=
tify us immediately by reply transmission.</span></div><div><br><br><div>On=
Friday, May 2, 2025 at 12:11 pm <span><a href=3D"mailto:kirk@219group.com"=
target=3D"_blank">kirk@219group.com</a></span> wrote:</div><div><div dir=
=3D"auto">Interested.=C2=A0<br><br><div><div dir=3D"ltr" class=3D"gmail_sig=
nature">=E2=80=94=E2=80=94-<br>Kirk deViere<br>219 Group<br>C: 910-273-8388=
<br>E:=C2=A0<a href=3D"mailto:kirk@219group.com" target=3D"_blank">kirk@219=
group.com</a><br><br>***Sent from my mobile device. Please excuse any error=
s.</div></div></div><div><br></div><div><br><div class=3D"gmail_quote"><div=
dir=3D"ltr" class=3D"gmail_attr">On Fri, May 2, 2025 at 2:53=E2=80=AFPM Ma=
ria Zandonai &lt;<a href=3D"mailto:maria@newfrontierinc.com" target=3D"_bla=
nk">maria@newfrontierinc.com</a>&gt; wrote:</div><blockquote class=3D"gmail=
_quote" style=3D"margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204=
,204);padding-left:1ex"><div>Hi Kirk,</div><div><br></div><div>The digital =
marketing agency loan market can feel like a maze, so I put together a quic=
k cheat sheet to help compare options:</div><div><br></div><div>=E2=80=A2 T=
raditional Loans (Chase, BofA) =C2=A0 =C2=A0 =C2=A0 =C2=A0</div><div>=C2=A0=
=C2=A0 =C2=A0 =E2=80=A2 =C2=A0 =C2=A0Rates: 8% =E2=80=93 13.25% =C2=A0 =C2=
=A0 =C2=A0 =C2=A0</div><div>=C2=A0 =C2=A0 =C2=A0 =E2=80=A2 =C2=A0 =C2=A0Usu=
ally slow and require near-perfect qualifications</div><div><br></div><div>=
=E2=80=A2 Risk-Based Loans (Non-bank lenders) =C2=A0 =C2=A0 =C2=A0 =C2=A0</=
div><div>=C2=A0 =C2=A0 =C2=A0=E2=80=A2 =C2=A0 =C2=A0Rates: 10% =E2=80=93 29=
.99% =C2=A0 =C2=A0 =C2=A0 =C2=A0</div><div>=C2=A0 =C2=A0 =C2=A0=E2=80=A2 =
=C2=A0 =C2=A0Based on your business=E2=80=99s risk, often leading to high r=
ates and shorter terms</div><div><br></div><div>=E2=80=A2 Short-Term Loans =
(Advance lenders) =C2=A0 =C2=A0 =C2=A0 =C2=A0</div><div>=C2=A0 =C2=A0 =C2=
=A0=E2=80=A2 =C2=A0 =C2=A0Buy rates: 1.10 =E2=80=93 1.50 (which is roughly =
35%+ APR) =C2=A0 =C2=A0 =C2=A0 =C2=A0</div><div>=C2=A0 =C2=A0 =C2=A0=E2=80=
=A2 =C2=A0 =C2=A0Fast and more flexible, but highest cost</div><div><br></d=
iv><div>Our favorite option right now is the SBA Bolt Loan =E2=86=92 up to =
150k, Prime + 4.75%, 10-year term, no prepay penalty, closes in 12 days. We=
like it cause it=E2=80=99s bank-level pricing with short-term speed.</div>=
<div><br></div><div>We=E2=80=99re committed to helping CEOs get the right d=
ebt capital. So if it sounds like good alignment for unknown let me know. I=
=E2=80=99d love to help see if it=E2=80=99s a fit!</div><div><br></div><div=
>Thank you :)=C2=A0</div><div><br></div><div>Maria</div><div><br></div><div=
><br></div><div>PS. If I&#39;m way off base here, pls. let me know, don&#39=
;t want to clutter up your inbox.</div><div class=3D"gmail_quote">On Thu, A=
pril 3, 2025 3:52 PM, Maria Zandonai=C2=A0<span dir=3D"ltr">&lt;<a href=3D"=
mailto:maria@newfrontierinc.com" target=3D"_blank">maria@newfrontierinc.com=
</a>&gt;</span> wrote:<br><blockquote class=3D"gmail_quote" style=3D"margin=
:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"=
><div dir=3D"ltr"><div style=3D"box-sizing:border-box"><div>Hi Kirk,</div><=
div><br></div><div>There&#39;s a simplified SBA program that most digital m=
arketing agencies haven&#39;t heard about - a third of the usual paperwork,=
funding in 10-12 days instead of months.</div><div><br></div><div>If unkno=
wn has been operating for 2+ years with under 100 employees, you&#39;d like=
ly qualify for up to 150k at the lowest rates available.</div><div><br></di=
v><div>Takes about 2 minutes to check, fully online.</div><div><br></div><d=
iv>Worth exploring?</div><div><br></div><div>Best,</div><div><br></div><div=
>Maria</div><div><br></div><div>Maria Zandonai</div><div>New Frontier Fundi=
ng</div><div><a href=3D"https://www.google.com/maps/search/501+W+Broadway+S=
an+Diego,+CA+92101?entry=3Dgmail&amp;source=3Dg" target=3D"_blank">501 W Br=
oadway</a></div><div><a href=3D"https://www.google.com/maps/search/501+W+Br=
oadway+San+Diego,+CA+92101?entry=3Dgmail&amp;source=3Dg" target=3D"_blank">=
San Diego, CA 92101</a></div><div><a href=3D"https://partner.newfrontierinc=
.com/unsub/1/736aa7e1-1298-4c89-8de6-a10fa7f6a01b" target=3D"_blank">Opt-Ou=
t</a></div></div></div></blockquote></div></blockquote></div></div></div></=
div></div></blockquote></div></div></div></div>
</div>
</blockquote></div><div><br clear=3D"all"></div><div><br></div><span class=
=3D"gmail_signature_prefix">-- </span><br><div dir=3D"ltr" class=3D"gmail_s=
ignature"><div dir=3D"ltr"><div style=3D"color:rgb(136,136,136)"><br></div>=
<div style=3D"color:rgb(136,136,136)"><div><img width=3D"125" height=3D"49"=
src=3D"https://ci3.googleusercontent.com/mail-sig/AIorK4wJgnO4URq64o6eBmND=
EpqoE6ejruehiFWpgz3NP5CTThpNpy80XHQON6khpd7CaSpLeU4UCJ4" style=3D"margin-ri=
ght: 0px;"></div><div><div style=3D"color:rgb(34,34,34)"><b>Curtis Boortz |=
Associate</b></div><div style=3D"color:rgb(34,34,34)">NewFrontierFunding.c=
om | Cell: (916) 768-0074<br><a href=3D"https://calendly.com/curtis-newfron=
tierinc/30min" target=3D"_blank">Book time with me here</a></div><div style=
=3D"color:rgb(34,34,34)">501 W Broadway</div><div style=3D"color:rgb(34,34,=
34)">San Diego, CA 92101</div><div style=3D"color:rgb(34,34,34)"><em>--We b=
elieve that entrepreneurship is the key to creating abundance in the world,=
so we&#39;re here to help any way we can--</em></div><div style=3D"color:r=
gb(34,34,34)"><br></div><div style=3D"color:rgb(34,34,34)"><span style=3D"f=
ont-size:10px">CONFIDENTIALITY and ARCHIVES NOTICE:</span><span style=3D"fo=
nt-size:9px">=C2=A0The information contained in this electronic mail and an=
y electronic attachments are confidential information intended only for the=
use of the entity or individual to whom it is addressed. If the reader of =
this message is not the intended recipient, you are hereby notified that an=
y dissemination, distribution, retransmission, or copying of this message o=
r its attachments is strictly prohibited. Please note that New Frontier Fun=
ding archives and reviews all outgoing and incoming e-mail. It may be produ=
ced at the request of regulators or in connection with litigation. New Fron=
tier Funding accepts no liability for any errors or omissions arising as a =
result of transmission. If you have received this message in error, please =
notify us immediately by reply transmission.</span></div></div></div></div>=
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