Frequently Asked Questions

Analogy As he necessary currency just last year to cover utilities and you will taxes in the sluggish cold temperatures,

Analogy As <a href="https://yourloansllc.com/title-loans-nc/">https://yourloansllc.com/title-loans-nc/</a> he necessary currency just last year to cover utilities and you will taxes in the sluggish cold temperatures,

Dennis Sick, proprietor of the Mohegan Manor bistro from inside the Baldwinsville, N.Y., took away a $forty five,100 improve on the mastercard invoices. The financial institution said however get 13 so you’re able to 18 per cent away from Mr. Sick’s daily charge card conversion until he had obtained $64,100000, which will need 12 in order to fifteen days and give him an enthusiastic yearly price of 60 to 75 percent. However, Mr. Unwell wound up make payment on $64,one hundred thousand inside seven months, supplying the financial a yearly get back of a few 130 percent.

Service providers AdvanceMe, RapidAdvance and many more. The brand new Us Supplier Progress Connection trading class collects of many team.

Nonbank Money

Just who Uses They Seasonal companies, microbusinesses or other businesses that cannot meet financial requirements.

How it functions Lighter Investment, a profit-created finance company into the Seattle, even offers finance out-of $50,one hundred thousand to help you $500,000 in order to small enterprises with high terrible margins. The debtor will pay Lightweight Capital 2 to eight percent of their month-to-month cash before the fees amount was attained, and generally gives the lender deserves for example to help you 5 % of the team. The world’s 400 or so nonprofit society development financial institutions, likewise, complete the part off brief area financial institutions, financing to microbusinesses. “The customers are extra cash enterprises, including cupcake cars and you will Head Highway companies whose lines of credit had entitled,” told you Claudia Viek, chief executive of your California Relationship getting Small Organization Opportunity, a network of Ca C.D.F.We.’s.

Rates Light Money’s chairman, Andy Sack, said the cost of obtaining investment away from his providers is actually to 20% per year. Ms. Viek told you she asked California C.D.F.We.’s to make certain 2,100 about three- to four-12 months money all the way to $fifty,100000 this year, during the the typical interest rate around 8 %. The fresh new rates may go all the way to 14 percent.

Analogy “Before, we might check out the regional bank and have money on signature,” said Christi Riggs, forty, co-holder from Solitary Star Linen washing solution, situated in Taylor, Tex. If the lender told you no, Ms. Riggs grabbed aside financing out of To the Patio Resource, a new york-mainly based team one analyzes company performance investigation — income, borrowing, actually social networking guidance — to examine loan applications regarding smaller businesses. Immediately after supplied, the new loans, doing $150,one hundred thousand, is actually reduced courtesy automated each day savings account distributions, much as a provider payday loans works. This new short-title finance, normally for a few to 18 months, costs a yearly price away from 18 so you can 36 percent, told you Noah Breslow, leader regarding Into the Platform. Ms. Riggs wound-up using $twenty-seven,750 into the a half dozen-month mortgage off $twenty five,500, otherwise a yearly rates of about thirty five %.

Providers Mild Money, Towards the Patio Capital, Kabbage while some. Of several C.D.F.We.’s is actually people in the new CDFI Coalition.

Peer-to-Fellow Finance

How it works Individual buyers merge to lend currency to help you short-entrepreneurs because of on the internet vetting platforms eg Financing Pub.

Who Uses They Brief-advertisers which have good credit score who want currency to expand or to get gizmos.

Rates With respect to the owners’ credit scores, annual cost is also work on regarding below eight percent to help you a lot more than simply 25 percent. The latest financing was small, although not, having a maximum of $35,one hundred thousand within Lending Bar.

Analogy When Hannah Attwood wanted to boost money to start an excellent content nappy supply and you may clean up solution, she went to five financial institutions. “They simply sort of chuckled at the myself,” said Ms. Attwood, 34, inventor off Likes Nappy Service, situated in Ventura, Calif. She used on Lending Pub into a buddy’s tip, and you may inside each week, 61 people got jointly considering this lady an excellent three-seasons, $six,one hundred thousand loan within 11.36 per cent. She mutual the loan that have the same level of discounts so you can purchase commercial automatic washers and you can dryers and you may content diapers.

Service providers Financing Pub and you will Prosper take over the fellow-to-peer industry in the united states.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.