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35 B Loan request @ **16.5%

Author
polly papercut
Royal Amarr Institute
Amarr Empire
#1 - 2013-04-24 08:45:19 UTC
○Loan needed: 35 Billion
○Term: 8 weeks
○ **Interest: 2.5% Bi weekly ending on the 8TH week with full repayment of the loan and a final 6.5% bonus interest payment for the full amount loaned, total Interest payments will be 16.5% of investment after 8 weeks
○ 2% weekly interest will be paid any for extensions needed.




Hello, I am here today to ask for an Investment to take my production business to the next level.
Currently I build Destroyer,Cruisers and Battle Cruisers along with Rigs and Ammo
Most all of what I build comes off from bpc's that I acquire from auction contracts.
these auctions can last upto 6 days and I do not always win the auctions.

Do to these factors my production is somewhat slower then if I am able to fulfill my business plans.
While my current methods are profitable it can be somewhat unpredictable due to bid wars on the auctions and varying Runs,ME and PL on the bpcs available.

I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.
Also mining while in NPC corps helps keep business flowing as you do not have to deal with war-decs.
I produce about 30-40 BC ships weekly and do to lack of bpcs auctions that I win stops me from building more. I am looking for 35 billion Isk investment Uncollateralized with 2.5% interest bi-weekly on the investment and full payback with 6.5% interest on the 8TH week on the total investment.

The Isk will be used for investment in bpo's for BC mainly as well as Cruiser and destoryer bpo's.
As well I am looking to buy an orca pilot, research and trade pilot and an extra exhumer pilot.
The BPOS at market price run about 15 Billion looking to buy bpos for each of my characters to copy and research the type of characters I am after run 4-6 Billion each.

I have my four characters plexed each for 4 months and I have the plex to support the 3 new characters for 3 months each as well. I am looking to produce up to 75% of my own minerals cost with the added exhumer and orca support as well as up my production of Ships to over 110-140 weekly as it takes about 9-10 hours per run per character to copy.
Interest payments will come from sales of produced ships and selling off some of the BPCS I make if needed. If I run across anytime of slow sales I can run incursions for interest payments.

I am offering a higher return then most as my business plan will not need any further support after this investment and will be using my profits for the repayment., Once I have my BPOS and extra support characters I am very confident I can repay this loan and after I pay my dept I will be self sufficient and with my profits be able to continue to grow with my own resources. I am looking for as few investors as possible and in as soon as I can before the summer patch.
Investors can pull out but anything before 30 days will have no interest I will calculate the interest paid up till the point of backing out and refund the difference.

I have no collateral to offer but would sell off my characters on the character bazaar
If it came down to that for repayment. How ever I do not for see this being not profitable.
Feel free to contact me in game with any questions or respond here.

Thank you for your time
Mu-Shi Ai
Hosono House
#2 - 2013-04-24 09:13:30 UTC
polly papercut wrote:
I have no collateral to offe


You're supposed to put that in the first sentence so we know not to read the rest of it.
Uppsy Daisy
State War Academy
Caldari State
#3 - 2013-04-24 09:37:45 UTC
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!
Caleb Ayrania
TarNec
Invisible Exchequer
#4 - 2013-04-24 10:52:55 UTC
So the equivalent to 70 PLEX with no security..

Seems legit.

Rhivre
TarNec
Invisible Exchequer
#5 - 2013-04-24 10:54:33 UTC
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free

Lux Imperator
Deep Core Mining Inc.
Caldari State
#6 - 2013-04-24 11:11:40 UTC
Rhivre wrote:
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free



Mining billions of minerals monthly ? That sounds do-able.
Rhivre
TarNec
Invisible Exchequer
#7 - 2013-04-24 11:15:37 UTC
Lux Imperator wrote:
Rhivre wrote:
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free



Mining billions of minerals monthly ? That sounds do-able.



What, you mean you are not out mining 23/7/365? It seems I am not the only /fail manufacturer here P
flakeys
Doomheim
#8 - 2013-04-24 13:12:15 UTC
Rhivre wrote:
Lux Imperator wrote:
Rhivre wrote:
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free



Mining billions of minerals monthly ? That sounds do-able.



What, you mean you are not out mining 23/7/365? It seems I am not the only /fail manufacturer here P



Not gonna discuss the obvious ............... Roll

We are all born ignorant, but one must work hard to remain stupid.

polly papercut
Royal Amarr Institute
Amarr Empire
#9 - 2013-04-24 18:25:44 UTC
Lux Imperator wrote:
Rhivre wrote:
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free



Mining billions of minerals monthly ? That sounds do-able.


With decent skills and ok Bpc's it takes the following to make per ship

Drake
18,895 isogen
893 Megacyte
178,640 mexallon
14,352 Nocxium
643,429 Pyerite
2,625,233 Tritanium
Per ship

Hurricane:
Isogen: 52499
Megacyte: 1359
Mexallon: 198,437
Pyerite: 714,922
Tritanium: 2839985
Zydrine: 3352


Talos:
Megacyte: 1950
Mexallon: 339993
Nocxium: 21276
Pyerite: 1013635
Tritanium: 4552638
Zydrine: 3982

With 4 exhumer Pilots mining out of a Skiff I can mine about
2,348,582 Tritanium
164,493 Pyerite
33,406 Mexallon
30,369 Nocxium
Per hour I will mine about 8 hours a day in the week days and about 10-12 on week ends but lets call it 10.

That comes in at around
140,914,920 Tritanium
9,869,580 Pyerite
1,824,360 Mexallon
1,822,140 Nocxium
Per week.

Now to make 10 drake 10 canes and 10 Talos
IIsogen: 2,143,680: 306,524,803 ISK
Megacyte: 126,150: 332,769,823 ISK
Mexallon: 2,152,995: 94,731,780 ISK
Nocxium 1,068,840 902,079,583 ISK
Pyerite: 7,122,435: 99,714,090 ISK
Tritanium: 30,079,404: 163,932,751 ISK
Zydrine: 231,420 : 245,282,058 ISK

2,144,034,888 Isk total


Leaving me to buy or sell the following mainerals
Buy Isogen: 2,143,680: 306,524,803 ISK Loss
Buy Megacyte:126,150: 332,769,823 ISK Loss
Buy Mexallon: 328,635: 13,474,035 Isk Loss
Sell Nocxium: 753,300: 62,147,250 Isk Profit
Sell Pyerite: 2,747,145: 38,460,030 Isk Profit
Sell Tritanium 110,835,516: 604,053,562 Isk Profit
Buy Zydrine: 231,420: 245,279,743 Isk Loss

Cost 193,387,565 Isk In minerals
That leaves me with about 1.3 bil profit And still have to pay for the accounts any ship loss Mining crystals and any Courier contracts I might have to spend isk on ect.

So yes it is very easy to cover about 60% of the total isk cost your self with a small amount of mining.
Upgrade those skiffs to mackanaws or hulks with an extra miner with orca support my own bpos and trade / and courier character my profits will skyrocket



polly papercut
Royal Amarr Institute
Amarr Empire
#10 - 2013-04-24 18:31:55 UTC  |  Edited by: polly papercut
Rhivre wrote:
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free



obvious I know but the statement was made because there are other people here asking for loans to cover the cost of minerals to make profit.
With my own mining I can make much more profit then if I was looking for a loan with minerals.
It is a slower start up but once I have bpos in hand with the added support I can make a ton more isk.
OllieNorth
Recidivists Incorporated
#11 - 2013-04-24 18:41:16 UTC
I think this is where I would pledge 20b. But I need a new gig.
flakeys
Doomheim
#12 - 2013-04-24 18:49:27 UTC
polly papercut wrote:
Rhivre wrote:
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free



obvious I know but the statement was made because there are other people here asking for loans to cover the cost of minerals to make profit.
With my own mining I can make much more profit then if I was looking for a loan with minerals.
It is a slower start up but once I have bpos in hand with the added support I can make a ton more isk.



That is why you are getting ''a certain type of responses'' .

We are all born ignorant, but one must work hard to remain stupid.

Caleb Ayrania
TarNec
Invisible Exchequer
#13 - 2013-04-24 19:11:19 UTC
I think we need an access sign when clicking on MD.

The minerals I mine are free:

  • Agree
  • Dont Agree


Also seriously when you ask for a loan of 70 PLEX with zero rep or viable BP you are either trolling or stupid. That is why your getting these replies.

polly papercut
Royal Amarr Institute
Amarr Empire
#14 - 2013-04-24 19:13:37 UTC
flakeys wrote:
polly papercut wrote:
Rhivre wrote:
Uppsy Daisy wrote:
Quote:
I currently run 4 exhumer / production characters without Orca Support and I supply about 60% of the mineral cost by mining my own minerals. Which helps keep profits high.


What a brilliant idea!


Dammit....thats where my production profits have been going... I knew I should have mined my own minerals for free



obvious I know but the statement was made because there are other people here asking for loans to cover the cost of minerals to make profit.
With my own mining I can make much more profit then if I was looking for a loan with minerals.
It is a slower start up but once I have bpos in hand with the added support I can make a ton more isk.



That is why you are getting ''a certain type of responses'' .

Sorry that is just how I run my business, I have slowly built it up to what it is now.
I am just looking for a little help to get it boosted and in before summer patch. As it is prices are going up almost by the day.
polly papercut
Royal Amarr Institute
Amarr Empire
#15 - 2013-04-24 19:17:59 UTC
Caleb Ayrania wrote:
I think we need an access sign when clicking on MD.

The minerals I mine are free:

  • Agree
  • Dont Agree


Also seriously when you ask for a loan of 70 PLEX with zero rep or viable BP you are either trolling or stupid. That is why your getting these replies.


I understand that the minerals I mine have a value and I could sell them and make money off from them.
But with mining a good part of my own minerals there is less over head, it's like when you cut out the middle man in the real world.
And I know I am unknown, but I am Neither trolling Nor stupid.
People have to start somewhere.
Uppsy Daisy
State War Academy
Caldari State
#16 - 2013-04-24 20:16:26 UTC  |  Edited by: Uppsy Daisy
So let's take that Noxcium you are mining for 'free'.

Lets imagine you sell it for the price you are using - today's Jita Sell Price of 844 isk.

1822140 * 844 = 1,537,886,160 isk (1.5 billion)

Why don't you save yourself the hassle and just sell that instead?

The tritanium that you mined is another 750 million.

Offer people shares in your new mining business.
flakeys
Doomheim
#17 - 2013-04-24 20:19:43 UTC
Uppsy Daisy wrote:
So let's take that Noxcium you are mining for 'free'.

Lets imagine you sell it for the price you are using - today's Jita Sell Price of 844 isk.

1822140 * 844 = 1,537,886,160 isk (1.5 billion)

Why don't you save yourself the hassle and just sell that instead?

The tritanium that you mined is another 750 million.

Offer people shares in your new mining business.



And then if you'd like to talk profit on minerals use the isk you just made from selling your own minerals to set buy orders for X amount of jumps well below jita price and actually get FREE minerals.

We are all born ignorant, but one must work hard to remain stupid.

Haulie Berry
#18 - 2013-04-24 21:07:48 UTC  |  Edited by: Haulie Berry
polly papercut wrote:


Sorry that is just how I run my business, I have slowly built it up to what it is now.
I am just looking for a little help to get it boosted and in before summer patch. As it is prices are going up almost by the day.



What you're failing to understand is that mining your own minerals has no impact on your manufacturing profit. The minerals have value X. The manufactured good has value Y. Assuming Y>X, Y-X = the value you added by building those raw materials into a finished good.

Your mining does absolutely NOTHING to keep manufacturing profits high. It simply supplements manufacturing income with additional, extremely time-consuming mining income.

That you're running 4 exhumers instead of 3 exhumers and an Orca doesn't really fill me with confidence, either.
polly papercut
Royal Amarr Institute
Amarr Empire
#19 - 2013-04-24 22:07:36 UTC
Haulie Berry wrote:
polly papercut wrote:


Sorry that is just how I run my business, I have slowly built it up to what it is now.
I am just looking for a little help to get it boosted and in before summer patch. As it is prices are going up almost by the day.



What you're failing to understand is that mining your own minerals has no impact on your manufacturing profit. The minerals have value X. The manufactured good has value Y. Assuming Y>X, Y-X = the value you added by building those raw materials into a finished good.

Your mining does absolutely NOTHING to keep manufacturing profits high. It simply supplements manufacturing income with additional, extremely time-consuming mining income.

That you're running 4 exhumers instead of 3 exhumers and an Orca doesn't really fill me with confidence, either.

Understand your concerns two of my miner characters I bought off the character bazaar, they are somewhat less expensive then a good orca pilot
Cazador 64
Deep Core Mining Inc.
Caldari State
#20 - 2013-04-24 22:43:01 UTC
I will go in for 2B see where this goes Isk is being sent
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