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Business loan for start-ups and self-employed

Most companies always need financing. With a business loan, you can ensure that growth through financing is not left behind. As a credit broker, lending company is at your side and you can request your desired loan amount online in just a few steps – easily from home and without paperwork.

Business loan – what is it?

Business loan - what is it?

A business loan, as the name suggests, is to keep the business going. For example, a business loan is used to finance investments and purchases. The business loan is a real alternative to the traditional house bank for start-ups and medium-sized companies. In contrast to bank loans, which are time-consuming, you can save time and money with an online loan.

A business loan can be used, for example, to finance machines or purchases of goods. With lending company you have the opportunity to take out a company loan of up to 750,000 dollars.

Business credit for the self-employed

Business credit for the self-employed

As a self-employed person, it is even more difficult to get a loan because there is often no regular income and the risk is too high from the bank’s perspective. At lending company, this is just one of many criteria and should not stand in the way of your plans and wishes. There is also the possibility of a business loan without equity.

We carry out a credit check based on a large amount of information and thus calculate your lending company score. The interest is adjusted to your budget so that you have a better chance of getting a loan.

What types of business loans are there?

What types of business loans are there?

Whether to invest in goods and growth or to increase your financial scope. There are many reasons for the intended use, but liquidity is important for the success of your company and helps to alleviate possible bottlenecks. lending company supports you in realizing your goals!

  • Commercial loan, to secure or expand your market position
  • Investment loan, for extensions or modernizations as well as relocation
  • Project financing, to implement a new or larger project
  • Financing for growth, for further development such as expansions or new acquisitions (product extensions, company vehicles, etc.)

Financing purposes:

  • growth financing
  • liquidity
  • goods financing
  • equipment financing
  • debt restructuring
  • buying property

Take out business credit with lending company – Here’s how

Registration and credit inquiry with lending company is completely free. After successful registration, you can start your credit request immediately. You will receive an offer from us within a very short time, which has been individually adapted to you. Open questions are quickly resolved. Do not hesitate and get in touch with one of our credit specialists. The process is also explained here again.

If you agree to the terms, you only have to send us the remaining documents and identify yourself via VideoIdent. The payment will then be initiated immediately. You can repay the business loan of up to USD 750,000 with a term of your choice between 6 and 60 months. A flexible special repayment is also possible.

The banks’ interest rates can be tough

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Mortgage rates continue to be at very low levels. The average interest rate is around 1.5 percent and some of you out there have also managed to get lower interest rates than that. The interest rate is thus a fairly small part of the housing cost at present. Nevertheless, the banks run with much higher interest rates when they figure out if you can borrow, which can limit how much you can borrow and how expensive housing you can afford to buy.

What is the interest rate and when is it used?


When you want to take out a mortgage, the bank makes some calculations on your finances based on the price of your home, your income and expenses and the cost of the loan to make sure you have an economy strong enough to manage to borrow so much money (and to repay them). The idea is, in principle, to see how much you can borrow the most from your circumstances without having problems with the payments to the bank.

When you apply for a loan promise, these calculations are made and you find out how much you can borrow. Since a normal mortgage loan lends up to 85% of the value / price of the home, you can be granted a loan promise of USD 3,400,000 for a purchase of about 4 million. Of course, it is then also required that you have USD 600,000 to put in cash yourself, but if we expect you to do so, it is basically how it works.

To calculate how much you and your finances can manage, you calculate the cost of the loan in relation to a certain loan amount. So if, for example, you would like to borrow USD 3,400,000, the bank calculates the interest cost plus how much you repay each month (for new mortgages you have to repay at least 2% until you reach a lower mortgage rate) to see if there is a reasonable amount left to live on, based on what you have to dispose of in a normal month.

Calculating the interest rate

Calculating the interest rate

When calculating the interest rate, however, you do not expect 1.5 percent or something, even though the average interest rate is around there today. Instead, one calculates an interest rate that is supposed to have good margins for the future, for interest rate increases and some extra buffer. Many banks expect a discount rate of up to 7 percent. This means that the interest rate that you must manage is about 5.5 points higher than what you currently need to manage. But the banks want to be on the safe side.

The idea is that you should always have a certain amount of money left over to live on when you have paid in housing costs and the like. So that you can afford food and anything else needed. Exactly what amount the bank thinks is reasonable can vary but they get this figure by taking your or your wages after tax and deducting the expenses for the mortgage loan etc.

The bank is thinking ahead and knows that there will be interest rate hikes and that there should be good margins in its economy and therefore they are drawing on an interest rate that is clearly higher than the current average interest rate. However, 7 percent is still a high interest rate and if you want to borrow USD 3,400,000, with just the interest rate, there will be a monthly cost of USD 19,833.

Excessively high interest rates?

Excessively high interest rates?

I clearly understand that the banks want to expect a calculation rate that is higher than the interest rates (and even better the average rates). Especially in these times when interest rates are historically low and we know that higher interest rates will come in the future. Having a higher interest rate when doing their calculations is logical to make sure that people do not have financial problems when the interest rate goes up a bit.

In 2008, the interest rate was up around 6 percent, so it’s not that long since it was a completely different interest rate situation. Many may not remember this anymore or were so young that they were not affected by it at that time. However, it clearly shows that 7 percent is not a fantasy interest but something that has happened and that could happen again in the future.

However, interest rates of around 7 percent are good in my opinion. Sure, a calculated interest rate should include future possible interest rate increases and some extra buffer, but it does not feel reasonable to be at such a high level. It is very unbelievable that the interest rate will go up to these levels for many years to come and as long as there is no threat of large interest rate hikes, one should be able to choose a more reasonable interest rate.

You can understand that the banks want to be on the safe side, but it must also be rooted in reality. Even if interest rates go up over the next few years, it is unlikely to exceed 4 or maybe 5 percent. This, too, would mean quite large increases.

If the bank used, for example, 5 percent interest rate to calculate your loan and loan promise, it would be clearly more reasonable, you might think. Still, it is an interest rate that could emerge in the foreseeable future. When the interest rate starts to rise, there is of course also a greater need to prepare for higher interest rates in the future – but as long as it remains at these low levels and the Riksbank’s forecast for the repo rate is at a very low level for many years to come, then it gets a little overkill quite simply.

Tough for some to get a mortgage


Obtaining a sufficiently large mortgage loan can be quite difficult at present. Especially for some groups such as young people and those who have previously been outside the housing market and do not have as much savings money. Even those who are at the beginning of their careers and have not yet received so much salary. This is especially true of course in big cities where housing is more expensive.

The same people affected by, for example, the amortization requirements and the tough housing market are also affected by the banks’ high interest rates. Of course, those with lower incomes will have bigger problems with managing a 7 per cent interest rate. The loan they are offered is perhaps less than they would need, and then it quickly becomes really difficult for them to find a reasonable home, which, as I said, is especially true in large cities such as Stockholm, Gothenburg and Malmö.

Obviously, it is important to be careful about loans and not to grant loans without having a security behind. This was a large part of what was behind the great financial crisis that began in the US in 2007. There, the housing market failed when there were too many people who could not pay their mortgages, which was largely because the banks lent to people who actually did not have the ability to pay when higher interest rates set in.

We do not want to repeat those mistakes and end up in a situation where the Swedish economy is threatened by people having problems paying their mortgages. It would be boring quite clearly. However, it is important to find a balance between security and realistic requirements for borrowers. We want a buffer and a security, but we also want to make sure that people who are basically able to borrow and who need to buy a home should have the chance to do so.

There have already been several measures (such as amortization requirements and debt-to-income ceilings) to reduce Swedes’ indebtedness and there may be more coming in the future. There is a thought behind this that is good. But with all the extra requirements, it will also be much more difficult to buy a home and this also means negative things for Swedes as well as for our economy.

If we could find a more balanced level of the interest rate, which realistically matched the interest rates we have today and which are reasonable in the foreseeable future, it would clearly be better. This, together with the new requirements for borrowers and, in addition, how the housing market looks like today with very many expensive housing, would make it a little more reasonable levels of mortgage loans. Then the calculations for a mortgage would not look as impossible and ordinary people could buy a sensible home.

Types of loan Which one suits you?

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More and more financial products are available to us. With so many offers we find it difficult to choose. Has it happened to you? To help you make the best choice, I tell you what are the different types of loans you can buy. Find out which one suits you best.

Bank loans

Bank loans

These are the typical loans that you can access. They are what you acquire with the bank through a contract. Those usually have lower interest rates than other services of the same financial institution. There are different names and there are even loans that specialize according to what you want to acquire with them, with slight variations in interest, amounts, etc.

An example of a bank loan – which insurance you have already requested – is a loan for your own business, another example is a personal loan. To get them you have to go through a process that is not fast at all. This allows the credit and the amount to be approved or not after an evaluation so that they can give you the money.

Card Loans

Card Loans

If you have a credit card, you have been told that you have a parallel line of “x” amount of soles. These can be removed from the same ATM.

You can get very excited when they offer you a loan like that and you may end up accepting it without knowing the high interest rates they carry. If you have time to think about it: I don’t recommend them. Accept it only if it is for an emergency or if you are going to pay them in one or two installments. A planned personal loan is better!

Online loans

Online loans

Online loans are a quick way to get the money you need directly into your account. You just have to have a good credit history, be of legal age and have a mobile phone number in your name – and at hand. One of the great benefits of this type of loans is that they can be obtained in just minutes and not much paperwork is required to access one. On platforms like Squire Allworthy, loans from 500 to 50,000 soles can be requested.

Whatever loan you are going to ask for, the ideal is that you compare the different offers. Even if you are going to request the cash provision, you can get a better proposal, remember: there are banks that charge less interest than others.

Credit cards or a quick loan

Credit cards can be very beneficial. With them we can buy those products that we want and whose price is higher than our current liquidity. And it is that thanks to the benefit of the fees we can buy and pay them intelligently. See for an illustration

On the other hand are fast loans; The latter allow us to see the cash in our hands and we can do whatever we want with them. In this note I tell you more about both credits.

Loans for emergencies or planned expenses

Loans for emergencies or planned expenses

Fast loans, those that can be requested online or in person with your ID are perfect when you have an emergency and can not wait to go through a tedious paperwork. Also when you have planned expenses and are able to repay the loan in the shortest possible time (that way high interest rates are reduced).

Applying for them is very easy and they are usually online loans. These are accessed after filling out a form and with the condition of:

  • Have a good credit history.
  • Be of age.
  • Have a mobile phone at hand, in addition to a bank account.

Credit cards for necessary expenses

Credit cards for necessary expenses

In the face of fast loans, credit cards usually have higher interests, so when using it, payments should be considered in the shortest possible time to avoid increasing the debt. The best use you can give to a credit card, in case you don’t have Oberoncia, is for essential expenses.

If you will use it to give you certain tastes it is better that you think twice and never use them if you have the cash to pay what you need, unless you want to accumulate points or benefits and it will not take long to pay.

After knowing all this, what have you decided to use? Whatever your decision do not forget to plan in detail. Keeping a personal budget will be a great help to not seriously affect your finances.

B2B business loan: A new type of business loan

B2BLendingNow is a fast and new way to obtain a business loan. Quickly receive the capital you need to grow your business.

When can I apply for a business loan with B2B business loan?

If your company has been active for at least 2 years, your average annual turnover exceeds 75,000 euros and all directors and / or major shareholders are established in the Netherlands, you may be eligible for a business loan at B2BLendingNow

All the features of the business loan with B2B business Loan:

All the features of the business loan with B2B business Loan:

  • LOANS UP TO 50,000 euros
    – Borrow 2,000 – 50,000 euros
    -6 to 12 month duration
    -Simple and transparent price structure
    -No hidden costs


    -No paperwork or hassle
    – You will know within a few minutes and not weeks if your application has been approved
    -After approval you receive the working capital you requested within 1 day


    – Purchase required resources
    -Manage unexpected costs
    -Contract required staff
    – Receive the capital required for your growth


    -Safe and trustworthy
    -No application costs
    – You can apply 24 hours a day, 7 days a week
    -Watch today how much you are eligible for!

B2 Business Loan. They help your company grow.

B2 Business Loan. They help your company grow.

B2 Business Loan – business loans – how it works:

B2 Business Loan - business loans - how it works:

What they offer

  • Loans between 2,000 and 50,000 euros
  • 6 to 12 monthly installments
  • Monthly statement
  • Request in 5 minutes
  • Money deposited within 1 day after approval
  • Approval based on credit score and based on cash flow
  • Complete the online application in just 5 minutes and receive the required working capital within 1 day.

Have your working capital required quickly

After your application has been approved, you will receive the required working capital in your bank account within 1 day. You then pay the monthly repayments during the term of the loan, making it easy to budget. After you have built up a correct payment history you are eligible for a higher loan amount and possibly better conditions.

Clear price structure

The pricing structure of B2BusinessLening is simple and transparent with no hidden costs, so that you can easily calculate your ROI when you add the requested working capital. The amount of the possible loan for you, the terms and costs are all based on the business analysis they have carried out. 

Best Personal Loans in Mexico for 2019

credit loan,money

Accessing financing and personal or business credit options is mandatory for economic growth. You may need a loan to buy a refrigerator, pay an unforeseen, or invest. Regardless of the reason, you should always have a line of credit that allows you to grow and take advantage of the opportunities you find. Forbes magazine published that Mexican banks granted 3.85 trillion pesos in loans to the country’s private sector during 2017. This figure gives an idea of ​​the importance of loans for personal, business and national economic growth. This article evaluates the best personal loans in Mexico for 2019, if you want to know if it is better for you to have a credit card or a debit card check our comparison.


Citibanamex offers the best financial conditions and payment terms for personal loans in the Mexican nation. The application system is fast, no endorsement or paperwork is required. You can apply online through the bank’s website.

The advantages offered are:

  • The loan can be requested by citizens or foreigners with a residence card with ages between 21 and 79 years.
  • Fixed annual interest rate of 17%.
  • Total annual cost of 27.7%.
  • Maximum amount of 750000 MXN.
  • Deadlines of 24 to 60 months.
  • It can be paid before without penalty.
  • It is deposited in less than 72 hours after its approval.
  • It can be requested through the internet or through its website.

Loan offers three different options to cover your cash or emergency needs


Personal loans are usually approved in less than 72 hours depending on the amount requested and the credit history. It works like a line of credit since you can order multiple personal loans continuously or simultaneously.

The advantages offered are:

  • They can be requested by people from 18 to 83 years old.
  • Fixed interest rate from 25.75% up to 45.75%, the rate will depend on the credit history and credit bureau score.
  • CAT total annual cost depending on the interest rate varies from 34.5% up to 54.5%.
  • Amounts: from 3000 to 750000 MXN.
  • Deadlines from 6 to 72 months.
  • Fixed payments biweekly or monthly.

The bank offers more than five different products to cover the majority of immediate financing needs

financing money

Personal loans can be requested through the internet and 24 hours a day throughout the year. Your credit limits and deadlines are convenient and the crediting time is fast.

The advantages offered are:

  • It can be requested by users from 21 to 70 years of age. It is available for both. customers of the bank as for non-customers of the financial institution. The applicant must. Acquire a life insurance policy, which you can buy at the institution.
  • The annual interest rate is fixed and ranges from 10% to 45%.
  • The CAT or average total annual cost is 38.7%.
  • Amount from 10000 to 1000000 pesos.
  • Deadlines from 12 to 48 months.

We offers personal loans payroll

personal loans

If your salary or salary is deposited in an account of this financial institution you can request it. If instead your salary is deposited in another institution you can not request this product. Personal loans other than the payroll, only apply to people who have received an offer or invitation by the bank. The monthly payment will be deducted directly from your account each month which saves you a worry.

The advantages they offer are:

  • Available for users between 18 and 64 years old, who own a Banorte payroll account. Likewise, some customers selected from the bank may receive an invitation or offer to apply or request this product.
  • Annual interest rate of 22% up to 40%.
  • CAT or annual cost from 28.2% to 48%.
  • It is deposited in an account in your name within 48 hours or less after your request.
  • You receive supplementary life insurance or included at no additional cost for the period of the credit.
  • Direct charge to your payroll account. You do not have to worry the payments are directly charged each month of the money you receive in your payroll account.

Financial institution of multiple objects registered in CONDUSEF and the CNBV. This company grants personal loans that deposit directly into your bank account in less than 2 hours. You can request several simultaneous loans. After paying a day a loan automatically increase your limit.

The advantages they offer are:

  • Available to all Mexicans over 18 with a bank account.
  • The money is deposited immediately in less than 48 hours.
  • Before accepting the credit, they indicate the total amount you will have to pay and the total cost of the credit.
  • Amount of 1000 to 2000 MXN.
  • Term 30 days.
  • Interest rate 35.7% monthly or 428.4%.
  • Payment by transfer or deposit at the teller.

Cash loan offer 2019 | The latest review of loans and credits

Cash loan bank offers. On the website you will find a quick answer to the question: where to ask for a cash loan? What is the best bank for a cash loan? Comparison of cash loans at banks.

On the website you can get acquainted with the latest offer of cash loans. How do you contact your bank regarding the loan so that you do not waste time? All you have to do is fill out the contact form for the bank you have chosen and the representative will contact us by phone. We will then get information about the credit offer itself, as well as calculate our creditworthiness and find out how much cash credit we can count on what conditions.

Cash loan offers in banks

Cash loan offers in banks

Before you decide on any cash loan you have to answer a few questions. Do you need such a loan? Perhaps it is worth to wait a few months, put down money and then finance the purchase with savings? It is worth giving up a loan or a cash loan, if it is not a purchase urgently needed and if you need 3-6 months to save money.

When saving for a specific purpose, it is worth considering if you have the money to put aside. If you do not have one, then if you take a cash loan, how do you repay your loan installments? Or maybe increase your income by taking an extra job? But do you have time and enough strength? It will definitely be at the expense of your free time. Always remember that you give away more than you borrow, which is why it is so important to compare bank offers.

Cash loan questions

Cash loan questions

What were the most popular loan inquiries in the current month?

No. 1) Cash loan bank. Generally. In which bank we borrow the cheapest. The search engine helps you get acquainted with the basic offer.

2) Cash loans comparison. Similarly to the first point, i.e. comparison of loans without providing parameters.

3) Cash loan PLN 30,000 6 years. Specific query for a specific loan. Annual real interest rate 8.23%, nominal interest rate 6.49%, credit installment PLN 525.05. The most expensive option: rrso 19.51%, monthly installment 683.55 PLN. Calculations as at 10/01/2019.

4) Cash loan calculator. Estimating loan installments. Why not an enumeration? Because we will get answers to the questions regarding the amount of the installment as well as the total credit costs only after contacting the bank regarding the loan. After calculating the creditworthiness (if we have it), the scoring assessment (if it is positive) will be presented with the calculated installment.

Bank loan simulator. – Comparison of loan installments in banks

The loan simulator at the bank is nothing else but calculating the estimated loan installments with the credit parameters set.

Very often the loan simulator is called a calculator, a search engine or a credit comparator.

Regardless of what the financial tool is called, it is primarily used to search for banks, learn about loan offers and their basic parameters, and simulate loan installments. We will emphasize this once more: to simulate installments, not to calculate them exactly. The most common, and thus the most popular simulator is:

Bank loan simulator

Bank loan simulator

Simulation of a bank loan, or actually credit installments, can be made on the website. The assumption is very simple: estimate the amount of the loan installment. Enter the amount of the loan and specify the loan period. You can also select several other search parameters, but these two are enough to check how much (more or less) will be the credit installment.

In the case of cash loans, the lending period is given in months, and in the case of mortgage loans in the years. Why is it just a loan simulator, not an Exact Ratio Calculator? The exact installments can only be calculated by the bank. The amount of the installment depends not only on the amount and duration of the loan, but also on the client’s scoring. The more scoring points a customer gets, the better and more advantageous offer.

Credit simulation and what’s next

Credit simulation and what

If we have already prepared a list of banks from the simulator, then now you should only choose those with whom we will contact you regarding the loan. The very process of applying for a cash loan, contrary to popular opinions, is not at all long or complicated.

Banks require a personal ID and a certificate of earnings. The ID card will of course confirm our identity, age or nationality. Foreigners must have their passport and residence card with them.

An income certificate is also needed to complete the loan application. It is necessary to provide information about the earned income and the type of employment contract. Naturally, the application should also include the amount we want to borrow and the time in which we intend to repay the loan.

If all documents are delivered, the application is correctly completed, then the bank finally verifies the customer’s creditworthiness (the first was during the telephone conversation) and checks the creditworthiness.

Where do you go if you need money for your business?

It is not easy to find working capital to grow your business. And if you are doing all things well, growth consumes even more of your precious money. Increase in sales means an increase in payroll, materials and overhead. Where does a businessman with low capital go?

We will discuss what is available to you and your business. Depending on the amount of time you have been in the business, your type of business, the amount of money you need and your personal credit situation, we will discuss your options.

An Emerging Business:

If you have visited reputable banks, it has probably been a humiliating experience. They are not in the business of lending money to emerging companies unless it is a loan against their personal assets. However, being an emerging company is not a bad thing for all types of lenders. Invoice Factoring Companies  do business with emerging companies. If you can generate an invoice to a creditable customer, then you can get advance money against that invoice. The SBA also offers programs through its Start-Up America Initiative .

If you have at least 6 months in the business and accept credit cards, Merchant Advance Cash Services are available for your business. Seeing your average monthly credit card sales, Merchant Cash Advance Companies advance you money and then are paid through your credit card sales.

In businesses that are less than 2 years old and are losing money:

See the options above in the Emerging Companies section. All are available to you, except SBA. If you have negative cash flow, the SBA options are limited. There is also the new financing option for purchase orders or OC financing. If you have successfully completed a few transactions and have decent gross margins (25% +), then this type of financing is available. Similar to Invoice Factoring, Purchase Order Financing, purchase the products  so that you can complete the order.

All the above and bad personal credit:

All the above and bad personal credit:

The good news is that the Factoring of Invoices, Financing of Orders of Purchase and Advancement of Cash of Merchant are available for your situation. These three tools respectively all look at their ability to generate credit sales, orders and credit card sales from creditworthy customers. Remember to check your gross profit margins nearby, as very low profits will quickly burn your cash, even with the right financing tools.

Loan Professionals: loans from Postal service Italy for companies and businesses

Let’s find out everything you need to know about the Fostal Bank Professional loan. Let’s see what are the necessary requirements to have access to it and what are the characteristics of this product, with the interest rates applied, the amount that we can request and the methods of disbursement and reimbursement. Finally, how to apply for Postal service Italy loans for companies and businesses, with all the documents requested.

Fostal Bank Loan Professionals: personal loans companies and companies

Fostal Bank Loan Professionals: personal loans companies and companies

Among the companies that offer their customers loans at particularly advantageous conditions, one of the best is certainly that of the Italian Post Office. Fostal Bank loans are aimed at a very large clientele, and among the products we find under this name there are loans for Professionals. So let’s see how these loans work and what is the sum at which we can have access.

Obviously these loans are aimed at those self-employed, holders of VAT, who have the need for example to buy a machine or any computer equipment for their business, or to restructure the office or any other professional need. These are given by Postal service Italy the ability to access credit easily and quickly. The sum to which you can have access starts from a minimum of 5,000 up to a maximum of 40,000 euros.

This is fast financing, as the disbursement takes place via direct credit to the Fostal Bank account registered to the customer. Regarding the repayment of the sum loaned to us, the installments will be debited to the current account, and we will begin to pay the following month with respect to the payment of the sum requested. We can choose the duration of the loan at will, and starts from a minimum of 24 up to a maximum of 96 months. According to our preferences, the repayment installments and the interests we will pay will be calculated. So the freelancers, but also companies and companies, that are interested in receiving a loan through Fostal Bank Professionals loans, can request a quote from one of the authorized post offices, where we will be given all the information about this form of loan.

An example is presented on the website of the Post Office, which gives a better idea of ​​the treatment of customers who choose loans for professionals. In this example, the sum requested by the customer is € 20,000. Choosing a refund in 60 months, we note how the installment that we will face each month is equal to 403.60 euros, while Tan and Taeg are respectively 7.80% and 8.13%.

How to receive personal loans for Postal service Italy Professionals

How to receive personal loans for Postal service Italy Professionals

As we said, the best thing to do is, first of all, to request a completely free estimate, in order to get an idea of ​​the expenses we will face each month. Now let’s see what are the requirements to receive the desired Fostal Bank Professional loan. This product is addressed to freelancers and self-employed workers with VAT number, therefore, as regards the documentation that will be requested, there are obviously the VAT number with the relative certificate, issued by the Revenue Agency, and the last tax return (Single Model).

A further document will be requested from freelancers, that is, the Registration Card in the Register or the Professional Order, which will therefore attest to the profession carried out by the client. As for the personal documents necessary to proceed with the request for the desired financing, these are the identity card and the health card. To start the procedure it will be enough to go to one of the post offices, whose list can be easily consulted on the Postal service Italy website. Always through the site you can make an appointment, leaving your data and specifying the date and time preferred by us.