I really hate this...

[RevWind]

Here I sit, getting close to giving up on being able to go mobile this year. I have near definitely given up on the SBA because they've been so unresponsive over the last 4 wasted months. I have an approval from Ford for a new WnT but they want a cosigner or $20,000 down payment. I'm trying to keep my parents out of this and I don't even know how willing they would be to cosign anyway. I'm getting no clear responses from them. I went to a bank today on my own and got my first rejection, saying they'd want 20% from me, not the 10% I was told by the SBA. That makes a big difference. The person took my plan outline anyway and said she'd look into other possibilities, but my hopes aren't exactly high right now.
I've been told more than once that I should give up for this year and save up for next year. I really don't know how my sanity would last another year where I'm at, but at the same time, I REALLY don't want to look for another job knowing that it would be temporary. It takes me an average of 3 months to settle into a new job and I hate the transition period.

I'm so sick of this "treat" being dangled in front of my nose for so long when I have no visible way of getting it.

[DAPER DAWG]

Work up your 20% down and go from there

I don't know where your located but the SBA loans in my area also require a 20% owner/loanee contribution of the total amount of the loan your taking out.

The upside is that your 20% contribution can be in the form of the equipment that you have already purchased it doesn't have to be cash.

I know what you mean about not wanting to find another job knowing you plan on being gone within a year though.

I am going through the same thing right now. I left my grooming job after being tired of being treated a certain way, I had a 2 month temporary office job lined up but they didn't get the work they expected and it only lasted a week.

Now here I sit wondering my next step until I can get myself up and running. I hate to go to another grooming salon for just a year and put them and me through that whole settling in process just in time to leave and I certainly am not comfortable giving the false impression that I intend to hang around forever.

Not to mention I am planning the trip of a lifetime in January before I open my own business we want to take three weeks and go to Egypt. So here I sit not able to plan my job move for the last two weeks.

I really want to do some grooming until I get my own place and was thinking maybe temp. work during the week and if I could find some grooming work on Saturday for now and it would't imposition anyone too much.

[RevWind]

I don't know where your located but the SBA loans in my area also require a 20% owner/loanee contribution of the total amount of the loan your taking out.

The upside is that your 20% contribution can be in the form of the equipment that you have already purchased it doesn't have to be cash.

I was told 10% by the SBA peeps and my equipment is already part of it.
My mother's beef is that I should have gotten a 2nd job working one day a week and I'd have made $10,000 in 6 months. 1) $10,000 still wouldn'th have been enough, and 2) Unless I was some super talented sexy stripper, she's living on some other planet if she thinks I could have made that much ANYWHERE one day a week. If she were to try doing what I do even for one day, I dare her to tell me again to get a second job. I don't sit on my butt all day and type like she does. It's exhausting beng a groomer, especially in a kennel.

Living life in limbo sucks. Even more when you're stuck in a home where one of your parents is constantly nagging with illogical opinions and not showing any real support to your efforts.

[Soap]

Rev don't give up...

Please don't dispair. You have other options! What about housecall grooming? What about buying a used van for 10k or so, or maybe less? Not all used vans are hunks o' junk with tons of problems. Some rig owners may be willing to let you make payments to them. It doesn't hurt to ask!

[Poodlefluff]

What about Gryphon Trailers they finance you with $1000 down. or the new website on here (Right look pets) they finance through a student loan which is much easier to get than a reg loan.

[OneGroovyGroomer]

When life gives you lemons...

I had my hopes set on a grooming van too and it didn't work out. I have a van but it needs some work and so I started my business doing house call with plans to save and fix it up (or get on Pimp my ride... oh well!) but now I don't know if I care to spend the $ to fix up and use the van. Yes it can sometimes be hard on your body but I'm really loving doing housecall. I don't have a van payment and I spend less in gas and insurance. At least think about it, maybe you could start with Housecall then it should be easier to get a loan a year from now considering you'll have an existing business to borrow from... Heck, I think I might just sell my van for what I bought it for and keep with the housecall! Stay postive and things will work out OK.

[Sweetpea]

Why don't you just look for a good used van? It would be alright for now as a starter van, then as you accumulate more money, you will eventually be able to upgrade to a wnt. there's always ways to get what you want if you really want it. Don't give up

[RevWind]

What about Gryphon Trailers they finance you with $1000 down. or the new website on here (Right look pets) they finance through a student loan which is much easier to get than a reg loan.

At first thought, I'm not comfortable with driving at trailer since I have no experience with one. I guess I could get used to it, but I'm afraid of having my credit ruined by having too many loan proposals out. I have one already, and a second being looked at. I'm not sure how many my credit can handle without being negatively affected.
I also don't feel comfortable spending a lot of time in a client's home. That's why I never tried in-home people massage therapy.
$1,000 down on a trailer I could do, if that's all they wanted, but I'd also have to sell my car (I still owe on it) and get a larger vehicle to tow it. I also have a student loan from college I'm freshly paying back, so I don't know how that would work out.

[hairdevil]

At first thought, I'm not comfortable with driving at trailer since I have no experience with one. I guess I could get used to it, but I'm afraid of having my credit ruined by having too many loan proposals out. I have one already, and a second being looked at. I'm not sure how many my credit can handle without being negatively affected.
I also don't feel comfortable spending a lot of time in a client's home. That's why I never tried in-home people massage therapy.
$1,000 down on a trailer I could do, if that's all they wanted, but I'd also have to sell my car (I still owe on it) and get a larger vehicle to tow it. I also have a student loan from college I'm freshly paying back, so I don't know how that would work out.

why did you go to school and accumilate that debt if you aren't going to use it? or was it grooming school? have you looked into leasing a van? there are companies that do that also..no money down..probably more in the long run, but it will get you in it and keep your cash to use for gas to drive around in lol if you want the number of a leasing company that I spoke with, pm me and I will give that to you..hang in there...there is light at the end of the tunnel! LOL