#business loan type

[financing007]

How to Get a Business Loan without Collateral

Understanding Collateral and Non-Collateral Loans

Collateral refers to an asset or property that a borrower pledges to a lender as a form of security in exchange for obtaining a loan. It serves as a safeguard for the lender, providing assurance that if the borrower fails to repay the loan, the lender can take ownership of the collateral to recover the owed amount. In traditional loan processes, collateral plays a significant role in reducing the lender's risk and increasing the likelihood of loan approval. Collateral acts as a safety net for lenders, reducing the potential loss in case a borrower defaults on the loan. By having a valuable asset to claim, lenders can recover at least a portion of the outstanding debt. Lenders may offer lower interest rates on loans secured by collateral. This is because the presence of collateral provides lenders with a sense of security, allowing them to extend more favorable terms to borrowers. Collateral allows borrowers to access larger loan amounts than they might qualify for with an unsecured loan. The value of the collateral can determine the upper limit of the loan.

Collateral-based loans come with inherent risks that borrowers should carefully consider before committing to such financing arrangements. When a borrower pledges an asset as collateral, they expose themselves to the possibility of losing that asset in case of loan default. For instance, if a business owner uses their property as collateral for a loan and subsequently faces financial difficulties leading to default, the lender could seize the property, resulting in significant personal and financial setbacks. Moreover, the value of the collateral can depreciate over time or in unfavorable economic conditions, potentially leaving borrowers owing more than the collateral's worth. This "underwater" scenario can lead to financial distress and even bankruptcy. Collateral-based loans can also restrict borrowers' financial flexibility, as they might need to seek lender approval for certain business decisions or asset transactions, limiting their autonomy. On the other hand, non-collateral loans offer a distinct advantage by eliminating the need for pledging assets, thus mitigating the risks associated with collateral-based borrowing. These loans are often based on a borrower's creditworthiness, business revenue, and repayment capacity, rather than relying on tangible assets. This approach grants borrower's greater peace of mind, as their personal or business assets remain safeguarded. Non-collateral loans provide an accessible avenue for startups and small businesses that may not possess substantial assets for collateral. Additionally, the application process for non-collateral loans can be streamlined and less time-consuming, allowing borrowers to secure funds more quickly. This type of financing also fosters greater financial flexibility, enabling borrowers to allocate funds as needed without constraints imposed by collateral-related terms.

Types of Business Loans without Collateral

Non-collateral business loans encompass a range of financing options that do not require borrowers to pledge assets as security. Unsecured loans, one such option, provide funds based on the borrower's creditworthiness and financial history. These loans often have higher interest rates to compensate for the absence of collateral. Working capital loans offer short-term financial support to cover day-to-day operational expenses, ensuring smooth business operations. Invoice financing, another non-collateral choice, enables businesses to borrow against outstanding invoices, improving cash flow while awaiting payment from clients. These non-collateral loan options empower businesses by providing essential funds without risking valuable assets. Real-world success stories exemplify the effectiveness of non-collateral loans. For instance, a tech startup secured an unsecured loan to expand its software development operations. Despite lacking substantial collateral, the startup's promising business model and strong credit profile convinced the lender to extend the necessary funds. Similarly, a local manufacturing company obtained a working capital loan to manage seasonal fluctuations in demand and maintain inventory levels. This injection of funds enabled the company to seize growth opportunities and enhance its market presence. Additionally, a creative agency utilized invoice financing to bridge cash flow gaps caused by extended client payment cycles. By leveraging their outstanding invoices, the agency accessed immediate funds, ensuring timely project execution and client satisfaction. These real-life examples underscore how non-collateral loans can catalyze business growth and success.

Tips to Enhance Loan Eligibility.

Enhancing loan eligibility involves taking proactive steps to present a favorable financial profile to potential lenders. Here are some valuable tips to improve your chances of qualifying for a business loan:

Build and Maintain a Strong Credit History : A healthy credit score significantly impacts loan eligibility. Pay bills and debts on time, reduce credit utilization, and rectify any errors in your credit report.

Strengthen Financial Statements : Maintain accurate and up-to-date financial records, including income statements, balance sheets, and cash flow statements. Lenders evaluate these documents to assess your financial health.

Craft a Comprehensive Business Plan : A well-structured business plan illustrates your goals, strategies, and market understanding. It reassures lenders that you have a clear vision for your business's success.

Reduce Debt-to-Income Ratio : Lowering your debt-to-income ratio by paying off existing debts can improve your debt repayment capacity and enhance your attractiveness to lenders.

Showcase Collateral (if available) : Even in non-collateral loans, collateral can enhance your application. If you have valuable assets, their presence can positively influence your loan eligibility and terms.

Remember that each lender may have slightly different eligibility criteria, so research and tailor your application accordingly. Following these tips can significantly enhance your chances of securing the business loan you need.

Building a Strong Business Case

Creating a persuasive business case that showcases the viability of a loan investment requires a meticulous approach. Start by outlining your business's goals, detailing how the loan will be utilized to achieve them. Provide a comprehensive overview of your industry, highlighting market trends, competition, and potential growth opportunities. Clearly articulate the problem your business aims to solve and how the loan will directly contribute to that solution. Back your case with tangible data, such as financial projections, ROI estimates, and a breakdown of how the loan will positively impact revenue, profits, and operational efficiency. Present a well-researched risk assessment, acknowledging potential challenges and outlining strategies to mitigate them. A compelling narrative that combines solid data, strategic planning, and a clear path to success will make your business case resonate with lenders and instill confidence in your loan proposal. A well-thought-out business plan and accurate financial projections form the backbone of any successful loan application. A robust business plan demonstrates your deep understanding of your industry, target market, and competitive landscape. It outlines your business's unique value proposition, strategies for growth, and potential challenges. Financial projections, including revenue forecasts, expense estimates, and break-even analysis, offer a glimpse into your business's financial future, showcasing its sustainability and potential profitability. Lenders rely on these projections to assess your ability to repay the loan and manage financial obligations. A solid business plan and precise financial projections not only inspire lender confidence but also serve as a roadmap for your own business endeavors, ensuring that you're well-prepared to navigate challenges and capitalize on opportunities.

Managing Finances and Repayment

To ensure optimal utilization of the loan funds for driving business growth, strategic financial management is essential. Begin by outlining a detailed budget that allocates funds to key areas such as marketing campaigns, inventory expansion, technology upgrades, and hiring skilled personnel. Regularly monitor and track expenses against the budget to maintain fiscal discipline. Prioritize investments that directly align with your business goals, maximizing the return on investment and fostering sustainable expansion. Additionally, consider setting aside a portion of the funds as a contingency reserve to address unforeseen challenges. Consistent financial analysis and prudent decision-making will enable you to harness the loan funds effectively, accelerating your business's trajectory toward success and prosperity.

Tips for maintaining a positive cash flow and utilizing the funds strategically

Maintaining a positive cash flow and strategically utilizing funds are critical for sustainable business growth. Here are some tips to achieve these goals:

Accelerate Receivables : Encourage timely payments from customers through incentives or penalties for late payments. This accelerates cash inflows and enhances liquidity.

Prioritize High-Value Investments : Allocate funds to initiatives that directly contribute to revenue generation or cost savings. Strategic investments ensure maximum returns on the funds utilized.

Build Emergency Fund : Set aside a portion of your cash reserves as an emergency fund to cover unexpected expenses, reducing the strain on your working capital.

Diversify Revenue Streams : Relying on a single revenue source can be risky. Diversify your offerings or target markets to create stable, multiple income streams.

Optimize Inventory Management : Keep inventory levels lean by using data-driven inventory management techniques. This prevents tying up excess capital in unsold goods.

Review and Adjust : Regularly review your financial strategies and adjust as needed based on changing market conditions, business performance, and cash flow patterns.

Conclusion

In the dynamic landscape of business financing, the realm of non-collateral loans presents a realm of possibilities for growth-oriented ventures like Mpower Credcure. These financing avenues unlock opportunities that transcend traditional constraints, enabling businesses to access vital capital without jeopardizing valuable assets. By embracing non-collateral loan options, Mpower Credcure and fellow entrepreneurs can tap into a new era of financial flexibility and empowerment. It's imperative to recognize that these opportunities exist to fuel innovation, enhance operational capabilities, and foster expansion, serving as a catalyst for achieving ambitious goals. As we navigate the ever-evolving business landscape, let us take proactive steps in exploring these innovative financing solutions, leveraging them to shape a thriving future for our enterprises and seize the untapped potential that awaits.

[vimesbootstheory]

"I have completed the initial review of your business plan and cash flow and overall, you've done a great job putting everything together! Often we have recommendations and changes to help strengthen one's application, however, I don't see any significant gaps in what you've presented."

this is great. I'm going to get a good grade in applying for a business loan, something that is both normal to want and possible to achieve.

[shinycolortragedy]

Take a practical approach to securing small business loans in Texas with insights into lender preferences, application best practices, and resources for enhancing financial literacy.

[hellyeahsickaf]

I found an extremely dope disability survival guide for those who are homebound, bedbound, in need of disability accommodations, or would otherwise like resources for how to manage your life as a disabled person. (Link is safe)

It has some great articles and resources and while written by people with ME/CFS, it keeps all disabilities in mind. A lot of it is specific to the USA but even if you're from somewhere else, there are many guides that can still help you. Some really good ones are:

How to live a great disabled life- A guide full of resources to make your life easier and probably the best place to start (including links to some of the below resources). Everything from applying for good quality affordable housing to getting free transportation, affordable medication, how to get enough food stamps, how to get a free phone that doesn't suck, how to find housemates and caregivers, how to be homebound, support groups and Facebook pages (including for specific illnesses), how to help with social change from home, and so many more.

Turning a "no" into a "yes"- A guide on what to say when denied for disability aid/accommodations of many types, particularly over the phone. "Never take no for an answer over the phone. If you have not been turned down in writing, you have not been turned down. Period."

How to be poor in America- A very expansive and helpful guide including things from a directory to find your nearest food bank to resources for getting free home modifications, how to get cheap or free eye and dental care, extremely cheap internet, and financial assistance with vet bills

How to be homebound- This is pretty helpful even if you're not homebound. It includes guides on how to save spoons, getting free and low cost transportation, disability resources in your area, home meals, how to have fun/keep busy while in bed, and a severe bedbound activity master list which includes a link to an audio version of the list on Soundcloud

Master List of Disability Accommodation Letters For Housing- Guides on how to request accommodations and housing as well as your rights, laws, and prewritten sample letters to help you get whatever you need. Includes information on how to request additional bedrooms, stop evictions, request meetings via phone, mail, and email if you can't in person, what you can do if a request is denied, and many other helpful guides

Special Laws to Help Domestic Violence Survivors (Vouchers & Low Income Housing)- Protections, laws, and housing rights for survivors of DV (any gender), and how to get support and protection under the VAWA laws to help you and/or loved ones receive housing and assistance

Dealing With Debt & Disability- Information to assist with debt including student loans, medical debt, how to deal with debt collectors as well as an article with a step by step guide that helped the author cut her overwhelming medical bills by 80%!

There are so many more articles, guides, and tools here that have helped a lot of people. And there are a lot of rights, resources, and protections that people don't know they have and guides that can help you manage your life as a disabled person regardless of income, energy levels, and other factors.

Please boost!

[davidl2001]

Financial Literacy 101: Exploring Different Types of Loans and Their Mechanics

Types of Loans Loans are an essential aspect of personal finance and can help individuals achieve their goals, from purchasing a car or a home to starting a business. But are you feeling overwhelmed by all the different types of loans available in the market? Do you find yourself confused by the jargon used by financial institutions when discussing loan mechanics? Fear not, because in this post,…

[xplorediiiiiiiiiiiiiiiiii]

Starting a new business is an exhilarating journey filled with endless possibilities. However, one of the biggest challenges aspiring entrepreneurs face is securing adequate funding to bring their vision to life. This is where business loans for startups play a pivotal role, offering financial support to turn innovative ideas into thriving ventures. In this comprehensive guide, we’ll delve into everything you need to know about obtaining a business loan for your startup, from understanding the different types of loans available to navigating the application process and maximizing your chances of approval.

[loanmani]

Loans – Meaning, How They Work, Types, and Features-loanmani.com

Loans are financial transactions where one party, typically a lender such as a bank or financial institution, provides a certain amount of money to another party, known as the borrower. The borrower agrees to repay the loan amount, along with any applicable interest or fees, over a specified period of time.

Here's a breakdown of how loans generally work:

1. Application: The borrower submits a loan application to the lender, providing necessary information such as personal details, income, credit history, and the purpose of the loan.

2. Evaluation: The lender evaluates the borrower's creditworthiness by reviewing the application, checking credit scores, assessing income stability, and verifying other relevant factors. This helps them determine the borrower's ability to repay the loan.

3. Approval and Terms: If the lender approves the loan, they provide the borrower with an offer that includes the loan amount, interest rate, repayment term, and any applicable fees. The terms may vary depending on the type of loan and the borrower's creditworthiness.

4. Disbursement: Once the borrower accepts the loan offer, the lender disburses the funds. This can be in the form of a lump sum payment or a line of credit.

5. Repayment: The borrower is responsible for repaying the loan according to the agreed-upon terms. This typically involves making regular installment payments, which include both principal and interest, until the loan is fully repaid.

Types of Loans:

1. Personal Loans: These loans are usually unsecured and can be used for various purposes, such as debt consolidation, home improvements, or medical expenses.

2. Mortgage Loans: These loans are used to finance the purchase of a property. They are secured by the property itself, which serves as collateral.

3. Auto Loans: These loans are used to purchase a vehicle. The vehicle serves as collateral, and failure to repay the loan may result in repossession.

4. Student Loans: Designed for educational expenses, these loans may have lower interest rates and flexible repayment options. They can be issued by the government or private lenders.

5. Business Loans: Intended for business purposes, these loans help finance operations, expansion, equipment purchase, or working capital. They can be secured or unsecured, depending on the lender's requirements.

Loan Features:

1. Interest Rate: Lenders charge interest on loans, which is a percentage of the loan amount. It represents the cost of borrowing and varies based on factors like creditworthiness, loan type, and market conditions.

2. Repayment Term: This refers to the period within which the borrower must repay the loan. It can range from a few months to several years, depending on the loan type.

3. Collateral: Some loans, like mortgages or auto loans, require collateral. Collateral serves as security for the lender in case the borrower defaults. If the borrower fails to repay the loan, the lender can seize the collateral.

4. Fees: Lenders may charge various fees, such as origination fees, application fees, or prepayment penalties. These fees can impact the overall cost of the loan.

5. Credit Requirements: Lenders assess the borrower's creditworthiness to determine eligibility and loan terms. A higher credit score and a good credit history can result in more favorable terms.

It's important to note that loan terms and features can vary between lenders and countries. Therefore, it's advisable to carefully review and compare offers from different lenders before committing to a loan. Additionally, borrowers should ensure they can comfortably manage the repayment obligations before taking on a loan.

[quiqloans]

A business loan is a loan specifically intended for purposes. QuiqLoans: DSCR rental loans for professional investors: So, don’t wait for it Borrow now.

[mv1simp]

Earned It ♥️

Max Verstappen x Wife! Reader

cause girl you’re perfect, you’re always worth it (I see nobody, nobody but you)

The story of how you met your husband, Max Verstappen, is a fan favourite. A classic rags to riches Cinderella story - well, in this case, a working class med student with an outrageous loan meets F1 multimillionaire. For years, you two dodge the questions of having kids, due to your busy careers. But lately, your husband can’t stop thinking about a 3rd addition to your family…and no, he didn’t mean another cat.

Content includes: 18+ MDNI, fluff, humour, pregnancy, angst but happy ending, very brief description of sexual harassment (not from Max obviously), simp!Max, brat! reader, smut, size kink, breeding kink (very versatile from me for once), 5.7k WC

Guys, seriously, we’ve talked about this behaviour, you need to be tidier. You look up from your comfortable position on the couch, where you’re typing away one of your research projects, to see your darling husband gently scolding your three pets. You muffle your laughter with your hand, 20karat diamond ring glinting, admiring his toned build as he stands with his hands on his slim hips, reprimanding the two cats - Sassy and Jimmy - and labrador Arlo about the mess they’d made on the patio. Hearing your giggles as you fail to contain yourself, Max turns around, grinning at the pretty sound. All done, schat? Want to go out for some lunch?

You hmm in agreement, standing up to stretch and walking over to him with a cheeky expression. But first I need you to explain just what you’re doing here. You know they can’t understand you right, babe?

Max immediately tells your three so called “kids” to ignore your blasphemous words, making you giggle again at what a dork your husband was. No one would ever guess how sweet and domestic he was with you, compared to the ferocious lion he was when terrorising his rivals on the track. It is a very serious matter, schat, Max says indignantly. You’d let them get away with murder. I’m the only one who upholds any discipline in this household.

You stand on your tippy toes to kiss him lovingly on the cheek to appease him, batting your eyelashes innocently as you say sorry, baby, shall I make it up to you? and any annoyance Max had slips away as he pulls your petite frame against his much larger one to press a kiss to your lips instead. You two had been married for almost two years now, and dating for six before that, but you simply can’t get enough of each other - even now, as your innocent kiss deepens into a steamy make out session that has you panting and grinding against your husband’s thick thighs as he squeezes your plush ass with his large hands. You’re just about to ask him to carry you to the bedroom when your on-call phone rings, signalling an emergency at the hospital. Sorry, baby you say, apologising genuinely this time with a guilty look. I have to get this, go ahead and eat and I’ll make us some dinner when I’m back, ok?

Max reassures you that you have nothing to worry about, and that he’d make dinner of course, you’re going to be tired after sorting out an emergency. Your heart swells at how thoughtful he is of you and your busy career. You give him one last quick kiss before speeding out the door, scrubs on and barking orders over the phone already.

Admittedly, it hadn’t always been like this. When you had started dating, Max had been the considerably busier one - at the peak of his racing career and collecting multiple world championships as if it were child’s play. And the way you met was a classic dinner party story - F1 driver crashes his Ferrari into studious med student. It was hotly debated as to whether the fault lay with him for illegally going 80 in a 40 zone, or with you for walking with your nose buried in a textbook. Regardless, his insane reflexes had slammed on the brakes just in the nick of time to stop any real damage happening, but your textbook had gone flying in the air and straight on top of a passing truck, disappearing for good. You’d been devastated by the loss of it, more concerned with your upcoming final exam rather than any bodily harm, and as Max sprinted out from his car to worriedly ask if you were okay you’d whirled around angrily.

He was immediately struck with your natural beauty, with your pretty caramel skin and full lips and dark curls. Then he realized you were furiously pointing a finger at him and roasting his driving skills. Watch were you’re going! God, what is it with you boy racers speeding through the tiny side streets?

What?! Boy racer? Oh, Max was not going to let this grave insult slide, yelling back that he was a World-class driver, thank you, and you were the one who needs to watch where you’re going cause who reads and walks, that’s just dumb-

You cut him off, demanding to know who he worked for. Uber? Lyft? Monaco Taxi Incorporated? I’ll be sure to leave a scathing Google review, you said hotly.

Max had now realized you had absolutely no clue who he was, so basically he just looked like a complete dickhead - including to all the passerbys who gawked at the incriminating scene of the 6 foot Dutchman childishly arguing with a 5 foot, pouting girl. Deflating, he offers you his insurance information but you rolled your eyes and walked off, muttering about the goddamn Monaco elite in their Ferrari taxis.

He’d forgotten all about you until 6 months later, when he and Lando end up in the emergency department after a padel game gone wrong, only to find you pulling back the curtain - looking for Max, wait, Uber driver Max?! You’d narrowed your gorgeous doe eyes at him, then demanded to know if he was here cause he’d gotten in another hit and run. It was not a hit and run, that is an incredibly misleading statement, Max hissed, ignoring Lando’s goggle eyed stare, cause why on earth was his mate arguing with the pretty doctor who thought he drove for Uber and not F1 World Cup winning team Redbull-

The third time you had run into each other, at a charity ball where both your employers were sponsors, Max was convinced it was fate. Either that, or you were a crazy stalker. But he was, like, 98% sure it was fate as he felt his heart race at the sight of you in a fitted red silk dress and gold stilettos, your short frame still not even brushing his chin. This time round, you knew who he really was, and had an embarrassed flush on your pretty face as you said you know, you could have corrected me, it was a very awkward lunchbreak that day when the nurses starting asking if I’d gotten your signature.

He laughed, finding you adorable, and held out his hand for you to shake, grinning Let’s start over then, shall we? You’d easily returned the gesture, an undeniable spark running up both your arms as you touched. And a few months later, at the exact street where you first met, he pulled out a copy of your missing textbook that you excitedly took, laughing that he remembered only to gasp as you open it to see his messy scrawl - Thanks for not suing me, want to be my girlfriend instead of my victim? And the rest had been history, with you two now blissfully married years later.

Sure, you had your fair share of ups and downs, just like any couple did. Before your marriage, Max’s busy career meant that he was away more often than not, and although it helped that you had a busy life yourself, he knew you missed having him there at home after a long day or by your side at friends’ weddings where you’d have to attend solo. But you never complained, never asked for more because you understood that at this time of his life, his career would be first priority, and always supported him with diligently made meal preps, looking after his cats when he went away, and late night debriefs after arguments with his demanding father, your soothing voice helping calm down the burning anger in his chest.

And although you couldn’t attend every race like the other WAGs, you’d always do your very best to make it. He still grins when he remembers his last Monaco race, where you’d gotten held up in emergency surgery and had sprinted straight to the track, not having time to change into the Chanel outfit you’d sweetly picked out the night before (from a very large pile Max had generously insisted you fund with his black Amex). You’d made it just in time to see him cross the line in P1, and the pictures of you happily crying for his win as you jumped into his arms, still in your scrubs, long curls flying as he whirled you around went absolutely viral on social media. He was glad for it too, because you received so much online hate for not always being dressed like a model and by his side at every event - and knew that deep down, you felt guilty about it, even though it was such an unfair double standard. So he’d framed that famous shot of you and hung it in the entryway, so it would be the first thing everyone would see when they walk in, and understand why Max’s heart swelled with pure love and adoration whenever he looked at you.

So when he had gotten his fill with his eight - eight! - world championships and wanted to spend his Sunday mornings waking you up with his skilled tongue in between your soft thighs instead of on a racing track halfway across the world, he had promptly quit F1 - to the outrage of his father and thousands of fans - and stepped back to coach his own team instead. It was quite an accomplishment, you had thought amusedly when reading the headlines that year, to be known as the woman who had "seduced Max Verstappen to retire and become her trophy husband". Of course, Max stood for none of the media circus, retaining his infamous status as Mad Max when he openly shut down that storyline in a media statement that had blown up, making it clear that this had always been his plan and he would not be tolerating any slander of his beautiful wife whom he loved very much - who, by the way, was now the associate head of the emergency department, had they heard?

As time passed the fans eventually relaxed and enjoyed the new talent that came on, with your husband still a common figure on the paddock as coach. He'd had more time these past two years to look after you now - cooking your favourite meals and meeting you on the hospital rooftop for lunch and making all the nurses blush at how romantic your husband was, picking you up from a late shift in his Ferrari, taking you jewellery shopping in Paris one weekend then stiletto shopping in Milan the next with all your bags in his hands and his Amex in yours, and listening attentively in the living room as you practised your powerpoints on Intracranial Haemorrhage: Do early CAT scans change mortality rates? Your personal favourite gift, though, had to be when he'd brought home a 2 month old golden labrador as your birthday present. You'd always wanted a dog but had never had time for one on top of his two cats - but now, with Max home more often, he was able to look after all 3 of your kids, as you both affectionately referred to them.

And speaking of kids - the topic was something that had increasingly come up over the family events and meetups with friends you two went to. Of course, when it had first been asked, the two of you had dismissed it given there was simply no time with your careers. You religiously used contraception - with you on the pill and Max using condoms everytime. At one point, though, you both realised you rather enjoyed doing it raw - when the condom had broken after a particular rough session post 6th WDC win. Max still remembered your blushing face as he came down from what had been one of the most intense orgasms of his life, already addicted to the feeling of spilling inside you. You had bit your lip, shyly saying you know Maxie, the pill is 99% effective, I don't think we need to use condoms anymore-

He'd cut you off with a pleased growl, sealing his lips back onto yours for Round 2 as the thought of getting to fill you up every night sent all the blood rushing to his cock. Safe to say, there hadn't been a box of condoms in your home for a very long time. But as time passed after your marriage, Max started to feel an unfamiliar desire simmer in his gut everytime he saw you playing with his nieces and nephews, or when he would be showing Daniel's toddler how to operate a racekart, or when he’d finish inside you, watching your eyes roll back in pleasure, and wonder what would happen if you weren’t on the pill. He avoided saying anything as your answer to the kids? question at Family Xmas was still not right now.

But lately he hadn't been able to deny the aching yearn he felt any longer, and especially not when you two had been celebrating Charles' and Alex's pregnancy announcement on their yacht last weekend. You'd looked so happy for the couple, congratulating Alex on her glow and admiring the ultrasound pictures but all Max could think about was how amazing he was sure you'd look carrying his child, how he wanted to have your baby scans on the fridge door and argue over names, how he was sure you would be the most amazing mother to his kids and he couldn’t have picked a better wife. He must have been looking quite jealously at the scene because Charles comes upto him, greeting him with a Hey, mate and a knowing smirk. Max grunts, sipping his G&T, then realises he might be acting in a way you would refer to as "dickhead behaviour", so he also throws in a gruff congratulations.

Charles' is not having it though, having recognised the intensity which Max was staring you down with. You know, he starts, prompting Max out of his one-way thoughts, You could always try bringing it up directly with her instead of expecting her to read your mind, hmm? Max glanced at him side ways. Already practising your fatherly advice? He joked, diffusing the tension, before the conversation moved onto how the new young F1 drivers just didn’t appreciate a good wheel to wheel battle like back in their karting days.

Charles' words stuck with him throughout the week, and one night as you both settled down for bed, he decided it was time to ask. Schatje? he begun, watching you from his position in the bed as you brushed out your damp curls in the mirror, dressed in a cute silk nightie. You hmmed at him, slightly distracted by a tangle in your hair but prompting him to continue. You know, I was, well -whatdoyouthinkaboutgettingpregnant?

You frowned slightly, still distracted by the tangle in your hair. Who, Alex and Charles? I think it's great, they've wanted kids for a while now, right?

Max takes a deep breath, tells himself to stop being a pussy, and walks over to you, taking the comb away as he brushes out the tangle himself. You look at him curiously as he tilts your head up with his large palm, brushing your cheek lovingly as his ice blue eyes meet yours. No, shcat he murmurs gently. I mean us, getting pregnant, having a baby. How do you feel about that?

Your jaw drops open at his words as your brain temporarily stopped working. You feel your face blush from the thought of your husband getting you pregnant. As hot as it sounded, out of all the things, you hadn't expected him to say that. You realise your surprised silence was making Max freak out, the telltale sign of a crinkle between his brows. You scramble to come up with a response, stuttering that Oh, sorry, I hadn't really thought about it, I guess and that we'd both been busy with work for so long it kind of...slipped my mind?

But what do you think, liefje, your husband pressed, hopeful. Do you want to try? You honestly weren't sure, this was all so sudden and you needed a bit more time to process it - but when you told Max this you didn't miss the hurt look that flashes across his face as his insecurities rise up. He asked if the problem was that you didn't want to have kids with him, because how could you possibly not have thought about it, all our friends and family constantly bring it up all the time-

I don't know! you'd responded defensively, arms crossed. We'd been focusing on your racing for so long that I just stopped thinking about stuff like that. The argument had spiralled out of control quickly, Max demanding to know when you were going to stop holding that over him, and when you wanted to think about it then, you two weren't any younger, after all - prompting you to angrily accuse him of always putting his job above yours, because now that he had his fill he was ready to start a family but what about your career?!

You hadn’t been able to stop the tears that dripped down your face as the argument escalated into a full blown fight. Max had sighed seeing that, deflating and saying you should both head to bed for now. You’d lain next to him, feeling so cold without his usual warm bicep pulling you against him, trying to hold back more tears before you drifted into a fitful sleep. Max hadn’t been any better either, only falling asleep in the early hours of the morning and when he woke up, you were already gone. He’d started trying to look for you but then remembered you had a conference in London today you’d had to fly out for - you wouldn’t be back for a week, he reads on the note you’d left on the fridge.

Fuck, it had been a bad night to have such an ugly fight considering you two had left so much unresolved. Later, when he’s visiting his sister’s for dinner and watching her kids with the same burning want in his heart, his mother corners him and demands to know why he had shown up looking like a kicked puppy. Your wife’s been gone one day and you’re already so hopeless? She’d joked, but clearly had a concerned look in her eyes. He couldn’t stop himself then, opening up about the horrible fight. He feels terrible that you had ended up crying, but still can’t help feel that you were being purposely selfish, he explains, after all, we’d be raising the baby together, she can still have her career, no?

His mother had been silent for a while, taking it all in, before she gently reminded Max about how she, too, had been in the peak of her very successful karting career when Jos had gotten her pregnant. Your wife isn’t me, and you certainly are not your father, she said firmly. But she’s scared, Max, it’s not personal. She’s scared she could lose everything she’s spent years building while you get to have it all. It isn’t as easy for a mother to put her career on hold as it is for a father. Even if he’s as loving and caring as you will be, she reassures.

Max looked troubled, then, as your responses last night now started to make sense. God, he was such a terrible husband, how had he not considered that before? Sensing her son’s brain was running at 100 miles a minute, the older woman lays a soothing hand on his shoulder. Just give her some space, Max. Let her come to you. You two will work through this.

So he gives you the space, and 6 days later he’s standing at the arrivals area of the airport, stonily looking out the window at the planes landing but internally fighting a storm of emotions. You two had never had these many days of no contact in your whole marriage, and he’d said some vicious things that night, and what if in the time away you had decided you would be better off without him? His jaw clenched at the idea of losing you. God, maybe he shouldn’t have given you space but spammed your phone, begging for forgiveness. Why was marriage so much more confusing than driving a car at 200kmph?

Suddenly, he hears the click of your familiar YSL heels walking up to him and he turns frantically to see your petite figure come to a stop a few feet away. Your face looks just as troubled as his, but as soon as your eyes meet you can’t control yourself and run forward to jump into his arms. Max welcomes you eagerly, all his tension releasing as he hugs you tightly, broad arms easily lifting you up and pressing his face into your neck to breathe in your perfume. You’re rapidly saying something about how you were so sorry, you had overreacted - You don’t have to apologise for anything, liefje, Max says fiercely, God, I missed you so, so much. I shouldn’t have brought it up so suddenly. Take all the time you need, okay?

You blink back happy tears, heart so full at your understanding husband as you looked up into his blue eyes adoringly before sharing a loving kiss. Passerbys smiled at the sweet scene you two made. Max took you home, one hand carrying your luggage and the other firmly around your waist, as if he was paranoid you were going to disappear. Again, in the car, his hand stayed glued to your thigh, softly stroking it as you told him about your week in London. And then at home, you had to stop him as he got ready to climb into the shower with you, giggling and saying you were starving, baby, did he want to grab some dinner for you two?

He’d pouted, but then perked up excitedly once you promised you two could go for a swim in the pool after dinner instead. Need anything else while I’m out, schat? He asked, grabbing the Ferrari keys. You hesitated, making him turn around, as you blushed a little and said Would you mind grabbing some condoms, Maxie? I forgot to take my pill to London so I haven’t been on anything for a week…

You search his face for any hint that he’s upset you still needed time, but found none, only a gentle expression on his face as he pressed a sweet kiss to your cheek. Of course, schatje, he says lovingly before heading out. You watch him go, a devious smirk now on your face. A part of you felt bad for the game that you were planning on playing with your husband later that evening - but, oh well, you had to have some fun in a marriage, right? And your sweet, darling, perfect husband had passed the test with flying colours tonight, showing his dedication to putting your needs first.

The truth was, you’d also reflected on your marriage and its future in London. You’d thought and thought until you could think no more about whether or not it was time to have kids, if you should even have kids, not because you didn’t want them but because you were so worried about how it would derail the career you’d worked so hard to build. And then you’d remembered how Max would spend hours quizzing you for your residency exams, while you were on the toilet or in the kitchen, making sure you got every answer right and you’d passed with full marks.

Or how you knew you loved Max for the first time, when he had stood by your side and steadied you as you shakily reported to your boss about a supervisor who’d developed a nasty habit of feeling you up at work and barring you from surgeries if you said no. Max had stood by you through it all, his large, gentle hands holding your own, a contrast to the thunderous expression on his face at anyone who tried to give you a hard time when you came forward - and he didn’t ease up until the creep had been permanently stripped of his medical license. Even now, when you’d sometimes shiver at the memory, he’d pull you into his safe arms, murmuring how proud he was of you, schat, you were so brave for speaking up.

You thought about how warm you’d felt seeing Max gently rock his nephew in his strong arms, or how impressed you had been seeing how he taught the kids how to drive a kart, or how devoted he was to your marriage and your three pets, always being there to provide for you and support you however you needed him to be - mentally, physically, emotionally. Max really was the best husband to you, and he’d be the best father to your kids. And you knew you had your answer.

So now, after eating your favourite dinner of Italian pasta, expensive red wine and tiramisu for dessert, you got changed into your bikini, a skimpy pink number Max always enjoyed, and slipped on a gold choker with matching anklets, all adorned with the letter M - a custom made Cartier set he’d brought for you on his birthday, as a gift to himself. The box of condoms he’d picked up lays on the bedside table. You smirk at them as you pass by - they won’t be needed much longer. Not that your husband had any clue of that - yet, and you couldn’t wait to see the expression on his face when he figured out just how you were going to reward his devotion tonight. Picking up a second bottle of wine, you take a good swig and make your way out to the dark backyard where Max is shirtless, the pool’s neon lights reflecting the water droplets that slide down his large, muscular back. Shit, you had to stay extra focused if he was going to be looking so delectable tonight!

He turns as he hears your anklets tinkle, smirking as he takes in your dolled up appearance, all for him. Coming in, schat? He calls huskily, feeling his cock hardening at the sight of you after a whole maddening week away. Just admiring the view, you say cheekily, taking another swig from the wine and slowly stepping into the pool. You can feel your husband’s hungry gaze sliding up your curvy body, and you shiver, feeling rather like a deer caught in a lion’s trap even though you were the one playing games tonight. You come to a stop in front of him, your head barely reaching his upper chest, giving him a generous view as your tits spilled around the tiny bikini. You sultrily gaze right into his darkening blue eyes as you take yet another sip of the wine, your pink tongue darting out to circle the tip of the bottle in quite the slutty manoeuvre. Missed you, Maxie you say coyly. Especially missed having you inside me.

He growls lowly at your teasing, easily taking the bottle off you and downing the rest before discarding it to the side. You whine as he puts a stop to your antics, pouty lips and large doe eyes staring up at him invitingly. Chuckling, he places a large palm across your ass and lifts you up against him. Your thighs wrap themselves around his toned waist and your hands tangle in his soft hair, gently tugging on the strands just the way he likes it. Now face to face, you tease him further, whispering in his ear about how lonely you’d been while away, how normally you’d call him and have him talk you through an orgasm, and how your tiny fingers hadn’t been able to make you cum all week because you needed his thick ones to stretch you open.

Fuckkk, schat, Max breathes, feeling his cock grow impossibly hard, his blue eyes completely darkened by lust. I missed that filthy little mouth of yours so much. He glides his thumb along your pink lips and you part them easily, taking him in and swirling your tongue around him. He can’t hold himself back any longer, pulling you in and replacing his thumb with his tongue. You moan into the dirty kiss, running your hands along his muscular shoulders, addicted to the feeling of his strong, thick biceps caging you against him. Your bikini strings are deftly untied as he practically rips it off of you, breaking the kiss to lean you back and suck on your pretty nipples. You squeal as he gently bites down, murmuring maybe you shouldn’t have been such a cocktease, schat.

You’re now grinding your pussy against his abs, begging him for more, please, Maxie and asking him to take you to bed. He smirks at how easily you fall apart under his tongue, squeezing your ass as he carries you inside, always giving you what you wanted like the devoted husband he is. You two have no regard for the sheets as you drip water all over them, foreplay long forgotten as your bikini bottoms are yanked off, followed by his trunks. You’d honestly forgotten about the damn condoms by this point but Max hadn’t, hurriedly ripping open a packet with his teeth as you whine at him to hurry up, Maxie, I can’t take it- Oh!

You moan blissfully as he buries himself inside you. Feels like coming home everytime, schat, he breathes out as he holds his position for a few beats before he starts thrusting into you. Holy shit, that felt sooo good. You didn’t think you were going to last very long at all - putting a time limit on your plan. You let him get a few more thrusts in you before you start begging again, this time asking Maxie, wait, can-can we please take the condom off?

He looks down at you in surprise, saying you hadn’t been on the pill this week schat, it’ll be risky-

Oh, your darling husband still hadn’t caught on to your suprise, and as you whine that it’s okay, you can just pull out, right Maxie? you almost giggle from the strained expression on his face as he considers that feat of self restraint. But he wasn’t going to say no to you, not when you were below him with your lush dark curls spread around you and looking up at him so adoringly, so he reaches down and pulls the condom off and sinks back inside you.

Shit. He swears at the vice grip you have his cock in, one hand automatically going to grasp the headboard to try and maintain some control and ground himself. But you’re begging for more and it feels so good to be back inside you, raw, feeling your slick heat up on his thick cock that his thrusts start getting sloppier. He’s panting above you, both hands now gripping the headboard to hold himself back from the urge to cum inside you.

Your devilish eyes don’t miss this, and you grab his thick wrists to pull them down so his hands rest on your bouncing tits, begging him to play with them, please. Oh, shit, he feels his orgasm quickly approaching from your positively filthy demands tonight. But as he starts to pull back you wrap your legs around him tightly, keeping him in place as you make your final demand - Noo, Maxie, don’t pull out, you can come inside me, it’s ok-

Perplexed, knowing he can break your grip around him in half a second, your husband is now very confused as he points out with gritted teeth that no condom and no pill and no pulling out meant-Yes, yes, I know! You whine impatiently. I want it Maxie, I’m ready now, come inside, I want to get pregnant!

Max pauses above you, this time being the one to have his brain function temporarily suspended as he slowly figures out just what you’re saying. Are you sure, schat-

You roll your eyes, sinking yourself down onto his cock, making him moan, and hoping he gets the message. Oh, I’m definitely sure, dear husband, you say sultrily. Now, are you going to fuck a baby into me or what?

He finally clicks, his confused gaze now morphing into pure joy as he grins down at you, and you can’t help but grin back, the two of you finally ready to progress into the next step of your marriage together. He pressing a gentle kiss to your lips, catching you off guard. You know I love you right, schat? He murmurs, and you nod, confused where he was taking this. Good, cause I’m about to fuck you like I hate you. That was a dirty game you played, yeah? Edging me all night when you were gonna let me fuck you raw all along. Gonna have to punish you real good for that. He growls darkly, his large hand coming to squeeze your throat, making you gasp in delight.

Oh, you loved when Mad Max came out to play. Your legs are tossed over his shoulders and then pressed all the way back against your soft tummy, into a mating press. The unfamiliar position has you screaming in pleasure, your anklets dangling by your face as he thrusts his way back into you. Your husband chuckles wickedly at your reaction, pumping into you deeply and making the headboard bang against the wall each time.

And true to his word, he punishes you thoroughly, not stopping despite your overstimulated pleas as you repeatedly orgasm, instead cumming inside you over and over and over again, leaving you obscenely full with his thick load.

And when you finally pass out into blissful darkness, he meanly fucks you awake again, demanding that you take another round from him like the good little wife you are, aren’t you, so obedient for me, hmm? Gonna fuck you stupid until you’re finally pregnant with my kids, like you always should have been.

Safe to say, you didn’t get much sleep that night, or for many nights after 💖

—————————————————————————

A/N: damn this is a whole ass essay. I love simp husband max so much tho I couldn’t help it 🥺might make a part 2 about the pregnancy and protective max hehe if people like this! Lmk what you think 🫶🫶

[brocfinance]

GUIDE TO UNDERSTANDING UNSECURED BUSINESS LOANS

Small and medium enterprises (SMEs) in Australia play a crucial role in the national economy. They collectively provide over 65% of the private sector employment and contribute more than $700 billion to the country's GDP. However, despite their economic significance, many SMEs struggle to get loan approvals from traditional lenders like banks. In such situations, they can rely on alternative financing sources for business loans in Australia. SMEs can explore numerous loan products and choose the options that suit their requirements. Some of the most popular loan products fall in the category of unsecured loans. An unsecured business loan allows a firm to secure collateral-free funding, helping it manage urgent expenses and fuel critical expansion plans. Let’s discuss this funding option in detail and understand how to get the best unsecured business loans!

Unsecured Business Loans: An Overview

An unsecured business loan is a financing option that allows a firm to borrow money without providing any collateral. The collateral represents an asset offered as a security to the lender. A firm must submit collateral for secured business loans, allowing the lender to liquidate this asset if the borrower fails to repay the money. Since an unsecured loan does not involve this security, the lender issues it based on the firm’s performance, financial health, and creditworthiness.

Unsecured small business loans are perfect for firms that require quick funding or lack the assets to apply for secured loans. Lenders often charge slightly higher interest rates on unsecured loans to compensate for their risks. However, borrowers often prefer unsecured financing over secured loans when they have an urgent need for cash. Fast unsecured business loans can get approved within one to three days, providing businesses with a much-needed infusion of cash. Firms can get unsecured loans for various business purposes. They may utilise the amount for buying inventory, paying wages, financing renovations, or managing their working capital needs. While the proportion of unsecured loans may be low compared to other forms of SME financing, these options are highly advantageous for new businesses that require quick funding.

Unsecured business loan interest rates and other terms vary based on several factors. Lenders consider the borrower's requirements, the associated risks, and their internal policies while determining the loan terms. However, typically, the terms for unsecured business finance fall within the following range:

● Amount: Firms can borrow between $5,000 and $500,000 without providing any collateral.

● Interest Rate: Unsecured business loan rates start from 5.5% per annum.

● Loan Term: Firms can take an unsecured business loan for three months to three years.

● Frequency of Repayments: Borrowers can repay the loan on a daily, weekly, or fortnightly basis.

● Approval Time: The pre-approval process takes between two to four hours. Additionally, the unconditional approval and settlement procedures require one to three days. 

Types of Unsecured Business Loans

SMEs have several options to get quick business loans without providing any security. The following are the three unsecured business loan types to consider depending on a firm's unique requirements:

● Small Business Loans

Unsecured small business loans allow SMEs to get a lump sum amount without tying up their assets. The application and approval processes are seamless and quick, allowing the borrower to secure funding within twenty-four hours.

● Business Line of Credit

A business line of credit in Australia is a flexible financing option. The lender approves a credit limit and the borrower withdraws the amount they need. The firm can borrow any sum under the limit and pay interest on the amount they utilise. An unsecured business overdraft facility can help seasonal businesses navigate cash flow fluctuations with minimum risk and hassle.

● Invoice Finance

The invoice finance facility allows a firm to take a loan against their unpaid invoices. The lender provides an advance based on the value of pending invoices. The firm can borrow large sums without submitting assets like equipment or property. 

Which Businesses are Eligible for Unsecured Loans?

Firms must meet the eligibility criteria for getting unsecured loans.

The following are the minimum requirements to qualify for collateral-free small business loans:

● ABN: The firm must have an active Australian Business Number (ABN) to apply for collateral-free funding. In Australia, sole traders are not mandated to register for an ABN. However, if you apply for unsecured business loans for sole traders, having a registered ABN is required.

● Business History: The borrower must demonstrate that the firm has been operational for six months or longer to get a collateral-free working capital loan.

● Turnover: The firm must have a monthly turnover of at least $5000. This requirement ensures the business is financially stable enough to service repayments considering typical unsecured business loan rates.

A business owner must assess if they meet the eligibility criteria before applying for an unsecured loan. In addition, they should also consider if this form of funding is suitable for their business. Typically, the following types of businesses benefit the most from unsecured loans:

● Businesses that sell high volumes of inventory at small dollar values.

● Firms with seasonal fluctuations in demand.

● Startup businesses trading for less than one to two years.

● Firms that urgently require cash, and are open to paying higher interest to secure quick funding. 

Pros and Cons of Taking an Unsecured Business Loan 

A firm can leverage several benefits when they get an unsecured business loan. However, they must also consider certain downsides before deciding to go for collateral-free funding. The following are the top advantages of taking an unsecured loan:

● No Need for Collateral: Unsecured business loans allow business owners to get access to funds without putting up their assets as security. They can keep their property and other valuable assets safe no matter what happens in the business. Startup enterprises with little to no assets also benefit from unsecured business loans.

● Quick and Seamless Approval Process: Unsecured loans require minimal documentation as no collateral is involved. In most cases, firms can get low-doc approvals when they apply for unsecured business loans upto $500,000. The approval process takes less than a day for most applicants, and a borrower can get the money in their account within one to three days.

● Cash Flow Optimisation: Unsecured loans can help businesses manage their cash flow fluctuations more efficiently. The quick infusion of cash allows the borrower to optimise their cash flow and fulfil their working capital requirements. This aspect is especially beneficial for seasonal businesses that experience a lot of variations in their cash flow.

● Flexibility in Use of Funds: Unsecured loans offer flexibility in how you can utilise the money. Unlike certain forms of business lending like asset or trade finance, unsecured loans do not have hard and fast rules about the use of funds. Business owners can use it for inventory, expansion, hiring, or any other business purpose.

● Building a Good Credit History: Many alternative lenders provide collateral-free funding to businesses that do not have high credit scores. Your firm can get an unsecured business loan with a bad credit history and focus on timely repayments to improve the records. When you repay the loan diligently over time, it can help you build a strong credit history to get better loan terms in the future.

Businesses should consider both sides of the coin when they compare business loans and decide on the type of loan to choose. The following are some potential issues that borrowers must keep in mind while taking unsecured loans:

● Higher Interest Rates: An unsecured loan represents a high risk for the lender. If the borrower defaults on the repayments, the lender cannot fall back on any collateral to recoup their loss. That is why they charge a higher interest rate that reflects this risk.  However, the interest rates vary depending on the unsecured business loan types and the creditworthiness of the borrowing firm.

● Shorter Loan Terms: Lenders typically want their money back faster when they lend a sum without any collateral security. That is why many unsecured financing options come in the form of short-term business loans. Generally, SMEs can get collateral-free funding for upto three years.

● Cap on the Loan Amount: Low-doc unsecured loans are usually capped at $500,000. Since unsecured business loans carry more risk, lenders are often hesitant to approve sums higher than this cap. However, it is not impossible to get a higher loan amount. Eligible businesses with a good credit history may be able to borrow more than $500,000 in some cases with full-doc approvals with formalities on the ATO portal. 

How to Choose the Right Option for Your Business?

If you are a business owner in Australia seeking collateral-free loans, you should carefully compare your options before applying for credit. Making multiple credit inquiries can potentially ruin your credit score. Hence, it is crucial to be selective about the options you explore. The following tips can help you simplify the process and help you get a business loan product that suits your needs:

● Look for Loans Tailored to Your Requirements: As a first step, you should ascertain the business purpose for which you need a loan. Do you require money to renovate your business premises? Or do you need a cash flow buffer to navigate seasonal dips and peaks? In the first case, a lump sum loan might be a suitable choice to fund your renovation project. In the second scenario, an unsecured credit line may provide a better solution. Your loan purpose will help you narrow down to the best unsecured business loans for your unique requirements.

● Evaluate Your Business Performance: Lenders determine unsecured business loan interest rates and other loan terms based on factors like business performance and creditworthiness. If you have been operating for over a year with a high monthly turnover rate, you may find it easier to get large unsecured loans. On the other hand, if your business is relatively new with limited cash flow, the lenders may be more conservative with lending you money. You should account for these factors while choosing the most suitable options to ensure an easier approval process.

● Check Available Government Schemes: Business owners in Australia can check for available government schemes before applying for loans. For example, the Australian government implemented the SME Guarantee Scheme till June 2022 to extend the availability of credit for SMEs in the country. Although this scheme has expired, you can keep an eye out for unsecured business loans with government guarantees. Government-backed loans tend to be cheaper, making it easier for SMEs to get funding for growth. An experienced financial broker can help you discover relevant schemes and select the best loan products to finance your business.

● Consult a Finance Broker: SMEs rarely get unsecured loans from banks due to their strict lending criteria. In such cases, they can apply for collateral-free loans with alternative lenders. However, many business owners do not know which lenders to approach and how to access the right loan products. When such a situation occurs, it is best to consult an expert broker. A finance broker can evaluate your business performance and assess your financial requirements to suggest suitable options. They can connect you to trustworthy lenders and streamline the process of choosing and applying for loans. 

Documents and Procedures to Apply for Unsecured Loans

After exploring and comparing various loan products, you can apply for a suitable option. The procedure to apply for an unsecured business loan typically consists of the following steps:

● Finalise Your Loan Requirements: An eligible business owner can get an indicative quote from the finance broker to determine the potential repayments for an unsecured loan. This quote will help you ascertain how much you should borrow, considering your ability to afford the interest payments.

● Prepare Your Business Documents: Typically, SMEs must submit their identification details and banking documents for the past six months while applying for low-doc unsecured loans. However, if the loan amount exceeds $500,000, you may have to complete formalities on the ATO portal and submit additional documents. Full-doc loan approvals require detailed financial statements, ATO statements, and business activity statements (BAS).

● Submit Your Loan Application: You can fill out the online loan application form and furnish the required documents in consultation with your broker. You can expect to hear back from the lender within twenty-four to seventy-two hours. In most cases, applicants get their loan approvals within one day.

● Sign the Loan Agreement: Once the lender shares the approval, the borrower must carefully check the loan terms. You should assess the agreement to determine the interest rate, repayment period, and additional requirements like a personal guarantee. In case of queries or concerns, you can discuss them with your finance broker to get more clarity. If you are satisfied with the loan agreement, you can sign the document. Once the agreement is finalised, the lender will provide you with the borrowed sum. 

Do’s and Don’ts for Streamlining Your Loan Application

When applying for unsecured business loans for sole traders or other types of SMEs, you should follow certain best practices. Being careful while finalising your loan application can increase your chances of getting approved. But before we delve deeper into the do’s and don’ts, let’s break down the common issues that can cause lenders to reject your loan application:

● Poor Credit History: An unsecured loan is quite risky for the lender. As a result, they may be hesitant to lend money to a firm with a poor track record of managing credit. If your credit score is low, you should consult a finance broker to connect you to lenders who provide unsecured business loans despite bad credit history.

● High-risk Industry: Some industries are more volatile than others. Companies operating in these industries may find it tougher to raise large unsecured loans. Lenders assess the firm's performance alongside key industry trends to determine whether to accept or reject the loan application.

● Cash Flow Issues: Businesses with inconsistent revenues or long invoice cycles may struggle to service the debt and default on repayments. In such cases, lenders may reject loan applications from firms with high-risk cash flow problems.

● Inadequate Trading History: Typically, businesses trading for six months or more are eligible for unsecured loans. However, some lenders may consider a trading period under one or two years to be too risky for lending a collateral-free sum. Thus, inadequate trading history can be one of the likely reasons for getting rejected when you apply for a loan.

● Existing Debt: If your business already has a lot of debt on the balance sheet, lenders may be more conservative when they evaluate your application. High existing debt is one of the top reasons for rejecting applications for unsecured loans. When you have a significant debt burden, a new lender may be worried about your ability to service all the loans.

The above issues can give rise to roadblocks when you apply for an unsecured loan. However, the following do's and don'ts can help you avoid common mistakes and get approved for a loan. 

What to Do While Applying for an Unsecured Business Loan?

● Be Transparent: A detailed and transparent application is more likely to get approved. When you furnish all the relevant documents, it becomes easier for the lender to gauge your requirements and assess your intentions.

● Clarify the Loan Purpose: A firm can use the amount from an unsecured for any type of business expense. Typically, lenders do not impose any rules about how the funds can be used as long as they are utilised for legitimate business purposes. However, a firm can increase the competitiveness of its loan application by clarifying the purpose of the funds. They can explain how they plan to use the money to run, grow, or expand the business. This plan can help convince the lender that the borrower has a legitimate reason for borrowing the amount.

● Improve Your Credit Score: Lenders assess the risk level associated with a loan application by reviewing the applicant's credit history. A high credit score indicates that the applicant is likely to repay the loan without defaulting on instalments. Hence, businesses with good credit records find it easier to get collateral-free loans. If your credit score is poor, you can still get unsecured business loans. However, it is advisable to focus on increasing your creditworthiness to ensure easier approvals in the future. 

What Not to Do While Applying for Unsecured Business Loans?

● Avoid Excessive Borrowing: Debt is a valuable source of funding for most businesses. However, firms must strike the right balance when taking new business loans. Excessive borrowing or applying for a sum higher than required can put off potential lenders.

● Do not Submit Multiple Applications within a Short Span: If you apply for business loans with multiple lenders in quick succession, it can lower your credit score. It is crucial to carefully compare lenders and submit well-thought-out applications. Indiscriminately applying for different loan products signals to lenders that you do not exercise discretion while seeking credit. As a result, they may flag your application in the high-risk category.

● Do not Allow Repeated Credit Checks: Business lenders request permission from firms before running hard credit checks. They cannot run these checks without the borrower’s formal consent. Too many hard inquiries within a short span can harm your credit score. Hence, you should be cautious before allowing multiple credit checks. Instead of permitting credit checks, you can get an indicative quote from expert finance brokers. They can help you get pre-approved without any upfront credit checks so you can get the necessary information without compromising your credit score. 

Conclusion

Unsecured loans can be instrumental to business growth and expansion in many Australian SMEs. These loans offer incredible flexibility to borrowers, providing them with the leeway to fuel their businesses without tying up assets. You can explore various collateral-free funding avenues and unsecured business loans with government benefits. Contact the lending experts at Broc Finance to learn more about the available options and find unsecured loans that match your needs. Our experts can help you with everything from startup business loans to bad credit business loans to help you steer your venture to success!

Source: https://www.brocfinance.com.au/blog/guide-to-understanding-unsecured-business-loans/

[youraverageaemondsimp]

“Be Quiet.” // DILF!Aemond Targaryen x Babysitter!Reader // PART ONE.

THANK YOU SO MUCH FOR 500 FOLLOWERS! (+200 now) so here is the awaited fic, celebrating a milestone <3 based on this poll, dilf aemond won at the end haha 💞

MDNI

WARNINGS: unprotected p in v sex, dubcon(?), oral (both f and m.), blowjob, cum eating, cum play(?), breeding kink, multiple orgasms, age gap (9ish years), DILF aemond, single father aemond, power imbalance(?), throat fucking, cunnilingus, lots and lots of kissing, + not proofread

WC: 7.1k (yeah...)

« part two // 🎄 special »

Getting fired from your job while trying to pay rent and gathering tuition fees isn't exactly ideal, you wanted to pursue a bachelor's degree after high school, but you didn't have enough money, coming from a family that was barely held by, nor were you eligible to apply for student because there were legal issues.

You moved out of your parents not wanting to financially burden them anymore, renting a decent apartment with just enough space for you to call it a 'home' you've been working for the past 2 years, a decent paying job but it was enough to get by and save up on the fees too, everything seemed to be going perfect until you suddenly got fired and your landlord decided to increase the rent.

You knew you'd have to cut into your savings to pay rent now, but you didn't want that, you halfway there to your goal, you were expected to get promoted and get higher pay, you calculated it, that it would only take one more year for you get enough amount to pay for the first few sems, and then maybe you'll be able to apply for a student loan by then.

But fate had different plans, and here you were on your couch scrolling through multiple apps to find any type of job, extremely desperate.

And that's when you saw it.

“Babysitter needed.” you thought how perfect of a job it would be considering the degree you wanted to so badly was based in psychology, child psychology specifically, and interacting with kids will probably give you some type of experience?

You quickly clicked on it and found the contact number, and decided to call it, you bit your lips nervously hoping they'd pick up.

“Hello?” you heard a cool voice say which sent shivers down your spine.

“Hello- yes uhm, Hi! I am calling because I saw the post on the app that said you needed a babysitter for hire?” you stumble over your words and mentally facepalm yourself for it.

“Yes, indeed. Are you interested in applying?” he asks and you quickly reply with a yes.

“Do you have any prior experience?” he asks and you reply with a quick yes, you've babysat a few kids throughout your highschool era for quick cash, as a way to not rely on your parents for menial things.

“Mhm alright, I don't want to bring your hopes up by saying you got a job, I'd like to have a personal interview first, if you do not mind.” he says and you say, thanking him and he hangs up the call.

You were fucking shaking.

It felt like applying for the first job of your life all again, the nervousness, the anxiety, the everything.

Aemond had saved your phone number and sent it to his assistant, Floris, asking her to run a background check on you, and to see if you had any criminal background, he read your name on the file that got delivered to him, sipping on his coffee while he scanned through your details.

You just turned 21, recently.

‘So young’ he thought, ‘Let me guess, she's probably looking for jobs in order to afford education.’ he guessed and he was exactly on the money with that one.

He wasn't that old himself, barely 30

He inherited his father's business at just age 23, being the only one capable of handling such pressure, his elder siblings couldn't stand a chance against him, and since then, he's maintained the Targaryen name perfectly.

He remembers falling in love with a woman older than him, he was 24, she attended one of the business parties he dreaded going to, Alys rivers was her name, they dated for 2 years before deciding to pace things up and get engaged since everything was going perfect for both of them.

Until Alys got pregnant, Aemond was overjoyed when he heard that news, but he didn't know that the child would suck the life out of her.

She died giving birth to their son, and he was devastated, being heart broken by her death, however he never once blamed his child, it was their choice to birth him, and it failed miserably.

But 3 years had passed since her death and he had moved on from her death, ready to love once again, yet it was extremely hard to find someone that wasn't after his money.

He knew he couldn't just live in the misery of heartbreak, and Alys would've wanted him to move on too.

His son, Aenys, recently turned 3 too, he inherited Aemond's purple eyes and silver blonde hair, typical targ features, but he saw how the softness of his nose, sharpness of his eyes resembled his mother.

But back to you at hand, he went through all your papers deeming you fit for the interview, he called a day later telling you the address where the interview would be held, his office.

Yes, his fucking office, as if you were applying for a job at his company, he justified it by saying that you were technically his employee.

When you got out of the taxi and looked at the company in front of you, it finally clicked in your brain that your employee was none other than Aemond Targaryen, and it only made your anxiety worse.

You went to the receptionist and told her your name, and she typed it in, giving you a small smile, telling you that you were exactly on time. She called his office to tell you that you were here and led you to his office. You looked around and noticed how big this company was, a bunch of employees working in their cubicles, typing away.

“Mr. Targaryen?” she called out and you heard a small ‘come in.’ Before stepping inside and pushing the door open for you to enter, you did and she stepped outside, closing it gently behind you, leaving you alone in the room with the man.

Aemond hadn't looked up from his files until the door closed, and when he did, he felt his breath caught in his throat.

“You may sit.” he says and you nod, sitting across him on the opposite side of the table, you felt so small under his gaze, it was so intimidating but you put up with it.

He began the interview by asking questions about yourself, and all relevant things, but there was one question that caught you off guard.

“Do you have a boyfriend?” he asks and you furrow your brows, “Excuse me?” you question, noticing how odd of a question it is.

“Don't get me wrong, the previous babysitter had one, and she used to bring him to the apartment and…” he cleared his throat and you immediately caught on to what he was implying, “Oh! No! I do not have one, and even if I did I would not do that!” you reassure him and he gives you a nod.

He was fucking lying.

But you didn't know that.

The previous babysitter was an old lady, who Aenys liked a lot, but sadly she had to leave the city.

“I hope you know that you're expected to work full time? I leave for the office at 9AM and return back at 7PM, and you'll need to be ready to work those long hours, and sometimes I might not even return till late at night if there is extra work.” he says and you nod, and before the question can leave your mouth he cuts you off.

“Do not worry, you'll be paid for those extra hours.” he confirms and you nod smiling at him.

And then came your terms, which he agreed to, he made you sign a one year contract, and you did it without hesitation.

Frankly the pay was so high you would barely need to work 6 months to reach the full amount, but you still did an extra 6 months considering how having extra money at hand doesn't hurt.

And with a handshake, he accepted you.

You were practically going to spend most of your awake time with the kid, it sounds hectic but the pay was too good to pass up on, I mean, $80 per hour? fuck yes, you'd be having around $230k by the end of the contract. Aemond was filthy rich.

It was finally your day to go to his house and you already knew it was going to be big, but you were still shocked when you arrived to the destination, it was a 20 minute drive from your house, and it was located in the richest neighbourhood to exist in the city, you felt embarrassed getting out of your taxi at an area where everyone probably had their own cars, heck, a collection of them even, but you paid the fare and the guard got up to question you, you told him and he quickly nodded before letting you inside.

It was early in the morning, you came quickly so Aemond could show you around the house and introduce you to his kid, you stood there nervously as you rang the doorbell, Aemond had checked through the security camera before the door opened, revealing the house interior.

You quickly stepped in and he closed the door behind you. You expected him to have maids and a bunch of staff, but you were surprised when you found none. No wonder he asked if you can cook, you'd probably be doing all the work here besides the cleaning.

“Aenys is in his playroom, let me take you there.” he says cooly and you follow him, taking in your surroundings.

He opens the door to the playroom and you immediately find a kid, who you assumed to be older than 2, playing with his dragon toys, making rawr sounds, and yelling the word ‘dracarys.’ you smiled at the cuteness.

Aemond cleared his throat which caught the attention of Aenys and he smiled brightly before he jumped in his arms, “Papa!” he yelled, before he turned his attention to you and looked at his father in question

“Hey aeny, do you know how the previous babysitter had to leave town?” he asks gently and Aenys nods, “And papa needs to be away for work top right? So I got you a new babysitter who will take care of you.” he points towards you, explaining and Aenys looks at you tilting his head slightly

“Hey, Aenys.” you give him a small, waving your hand, he shyly waves back before he hides his face his fathers chest, you chuckle at the cuteness.

“I'll go give her a house tour okay? And then I will visit you once again before I leave, have fun darling.” He says and puts his son down, and Aenys looks at you once again, inspecting you, observing you, you smile at him once again, and this time he gives you a shy smile.

Aemond leaves the room and you wave a quick temporary goodbye to Aenys and follow him.

“Aenys, doesn't have a mother, or at least he had to grow up without one” Aemond randomly begins and you look at him confused. “My fiancee-” he sighs before halting his footsteps, “She- she had died while giving birth to him.” you watch as he takes deep breaths, “It's okay if you don't want to talk about it now, we have a lot of time anyway, just open up to me when you are ready, sir.” you tell him and he looks at you, giving you a nod and resumes the house tour.

It was fucking big.

Just like he said, he visited his son once more before leaving for work and the entire day you spent it with Aenys, getting to know him, observing his behaviour.

You noted that he was extremely shy at first but then he eventually warmed up to you, he still had his guard up of course since you were fairly new and a stranger in his life, you introduced yourself and he did the same.

He showed you all his toy collections, which you were genuinely fascinated by, he had so many dragon figurines and remembered each one by their name, his favourite was vhagar.

“It waass papa's once, when he was jus like mee.” he babbled cutely, the way he pronounced the words were so cute too, you swear you could die at it.

“Vhagar belonged to your papa?” you felt awkward saying the word papa, but you knew you had to considering that it was the term Aenys was used to, he nodded, smiling.

“Yesh! He gwave it to meh.” he says and you smile.

Aenys had quite a developed vocabulary for his age, though he pronunciation was a bit off, but you knew it would improve with time.

And just like that, you and Aenys grew close, he was always cheery to see you, you cooked and looked after him, feeding him vegetables in a way he would enjoy, and Aemond was surprised when he found out, considering Aenys refused to eat vegetables.

You put Aenys to sleep one day, singing him a lullaby and caressing his hair as he fell asleep in his bed, he watched you with big doe eyes, which were slowly beginning to get droopy as sleep overcame him. He closed his eyes and his brows were relaxed. You sat there for a while, watching him sleep, and you look at the time, 8PM, Aemond was running late, but you didn't mind, by the time he usually fell asleep, Aemond would've been there, listening to you sing to his son and when he finally fell asleep, you would leave, politely saying goodbye to Aemond, but this time you had stayed, since Aemond was late.

You noticed how Aenys eyebrows furrowed before you saw tears coat his eyelashes

“Mam… mama… I want mama...” he mumbled in his sleep and you swear you felt your heart wrench at that, then you heard small sniffles.

He was crying in his sleep.

Is this what usually happens after you leave? You felt extremely sad, you remember how Aemond had told you that Aenys grew up without a mother, how she had died during childbirth. You never really thought about it much but you realised how tough it must've been for Aenys, then suddenly you remembered all the times you played together or watched cartoons, how he would say the word "mother" longingly when he was referring to a mom dragon, or how he stared in a daze when a cartoon showed a mom taking care of his child.

He was beginning to notice an absence of a parental figure in his life.

You were snapped out of your thoughts by the sniffling getting louder, and Aenys was beginning to borderline cry out, you quickly picked him up and carried him, pacing around the room gently as you patted his back, his hand clung tightly onto the sleeve of your arm and he rested his cheek on your shoulder.

“Shhh, Aenys, it's okay.” you try consoling him but he kept repeating the words 'I want mama, mama.' in his sleep over and over again.

Not knowing what to do, you began to feel bad, so you did what you thought was the best.

“Aenys, Mama is here, it's okay hush now..” you coo gently into his ear and that's when he finally stops sniffling, 'mama?' he mumbles and you hum, “Yes, it's mama, do not cry anymore okay? Mama is here.” you caress his hair and he finally relaxes, you were so entranced in comforting him that your brain managed to ignore the presence of Aemond himself, who had arrived when you picked him up and paced around in a panic, he was going to interfere but then he heard you say those words.

You stopped dead in your tracks when you noticed him, heat climbing up your face as you realised he probably heard everything and also you were stricken with fear too cause you likely overstepped.

You gently placed Aenys down on the bed and got out of his room, anxiety coursing through your veins as you realised what you had done

But you were only trying to comfort him.

Aemond soon followed you out the room as well and you turned around to face him when he closed the door.

“I apologize— I'm so sorry—” you began.

“Don't. It's fine, I can understand why you did that.” he cuts you off, and you wince.

“He- he's been noticing.” you began and Aemond nodded, “I've noticed too.” he replies and sighs.

“Aenys has changed a lot since you've started babysitting him in a good way , and I've noticed it, he's becoming more and more aware of the world around him.” He moves to the living room, sitting on the couch and you do the same, sitting on the one opposite to him.

“I've made sure that he never felt a lack of anything in his life, but I guess it's only natural for a person to desire something he can't have.” he says.

“Aenys can have a mother, if you remarry, that void will be fulfilled somewhat.” you suggest and he looks at before chuckling “I've thought of that too, my mother said the same thing, but i cannot trust anyone, especially considering how many are after my money, who knows if they'll be kind to him, or whether Aenys will like them or not.” he sighs.

“That is true.” you agree with him and he looks at you.

“Unless… ” he begins, eye scanning your entire being and you look at him, your heartbeat quickening, just as he was about to say something, your phone rings and it cuts off the trance-like state you were in, and you look at it to see who it is.

It was a spam call.

But then your eyes bulge out of your sockets when you look at the time, “Holy shit it's late, I'm sorry sir but i have to leave now, or else it will be too dangerous.” you say and quickly apologise and he nods, dismissing you. That was the first night, sleep came to Aenys peacefully.

But it didn't to Aemond, he was lost in thought about everything, but then his mind wandered off to somewhere it shouldn't go.

The way you comforted Aenys stirred something inside you, the moment was perfect, you cooing in Aenys' ear that you were here, pretending to be his mother.

It was so perfect.

Almost as if you were made for that.

Aemond felt his heart flutter.

For the first time in years.

He couldn't help but accept the pull he felt towards you.

Aenys doesn't seem to remember the incident, probably cause he was literally just sleep talking so it was left at that, but you and Aemond however grew a bit close after that incident, he came back home early as he can, so he could spend time with his son and you, he was subconsciously trying to get his son used to both of them being around, both present in his life as parental figures.

You obviously weren't able to leave early just because he got home early because those were your mandatory hours, so it became your new normal to spend time with him and Aenys.

You couldn't deny that there was something definitely blooming in between you and Aemond, he would often throw appreciative comments in your way, which made your belly pool up with heat.

You noticed how he wanted to stay by your side, physical touch lingering, he had suggested that you 3 should go grocery shopping, and you found it odd considering he could literally order his clients to fetch them for him, but you agreed anyways, using it as a chance to get outside and let Aenys interact with other people. Aemond was heavily against sending him to the daycare, because he was scared for his son, it was understandable but it also set Aenys behind a bit.

“Mama, I want this!” you hear a kid yell at his mom and you watch as she refuses it gently, telling him no and that she will buy him the next time they come back here, and the kid just pouted, you chuckled at the sight.

You turned your attention to Aenys who was staring at the scene too, and you realised how he was in a daze once again as well, you looked at Aemond who also seemed to notice.

Aenys quickly ran in another direction and you panicked and almost ran after him before he was back in front of you again, grabbing the same toy the other child had grabbed earlier and showing it to you. “Ma-” he cut himself short before pushing the toy to show you “I want this!” he says and Aemond was confused at first and he was about to agree to buy that toy for Aenys until you butted in, “No Aenys, we can't buy it right now! We'll buy it next time when we come back here okay?” you say and he smiles sheepishly at you, before pretending to pout and put the toy back in a random shelf.

You chuckled at the childishness, he just wanted to feel the same type of experience that others do. Aemond knew it was just you both playing around, he didn't miss the way Aenys almost called you his mother, and it spurred him on further, the way you acted as a genuine mother.

Those type of random moments became often, and it pushed Aemond further and further to the edge, the way you would act like such a perfect mom made him want to bend you over any surface and fuck you, filling you up with his cum.

Aemond then suddenly started joining for lunch, he would usually eat at his office, but he made extra effort to drive home so he could eat with his 'family.' He loved your cooking, you made it taste like home, he would watch as you cut smaller pieces of fruits and vegetables for Aenys so he could properly chew and eat. He imagined how perfect you would be as his wife and like an official mother to his child, or better, children, all of these small things were pushing him to the edge

And soon it would push him off it.

Aemond cursed himself when he drove through the rain, already running late, he looked at his watch and read the time, it was 10PM, the meeting in the afternoon stretched over two hours long which set back the rest of his schedule by a lot, he quickly parked his hair before making his way inside his house, open the door with the extra key carried before shutting it close.

“Look Aenys! Dada's here.” he heard you say and he was immediately spun around, he didn't expect you to stick around this long, but then he realised it was raining heavily and you always went by taxi, there probably would've been no taxi available in this weather.

“Aenys didn't go to sleep yet?” he asks, undoing the suit he was wearing before throwing it on the couch, approaching both of you, taking Aenys into his arms.

“He wanted to wait until you got home, he was worried for you, though he seems tired hmm.” you pinch his nose playfully and he scrunches it up, “I'm not twired…” he says but then yawns earning a chuckle from both you and Aemond.

“I'll put him to sleep, you go freshen up.” you say and Aemond nods, giving him back to you.

Fuck everything about that interaction felt too domestic.

And Aemond had lost his resolve.

He found you sitting on the couch, scrolling through something, he sat down next to you.

“What are you doing?” he asks and you look at him, “Trying to book cabs, but there are none available at the moment due to the weather.” you sigh before placing your phone down.

Aemond should've offered to drive you home but instead he offered to let you stay.

“You know you can stay over, I do not mind it.” he says and you look at him “Really? I don't wanna be a bother—”

“Oh please, you are never a bother.” he cuts you off and smiles at you. “You should freshen up for the night, you've been here since morning.” he says but you pout. “I do not have any clothes.” you say and he simply shrugs, “You can wear mine.” he pushes the buttons, wondering how far he can get away with it, he knew offering you to let you stay at his house already broke the employee boss relationship, hell, the moment he desired you was when it already broke.

“Mhm okay! Where is the guest bathroom?” you ask and he shakes his head, “The water heater is broken in that one, it's better if you use the attached bathroom in my room.” he says.

The water heater wasn't broken.

He was lying.

And you believed him.

He watched as you got up and made your way to his room, which was right next to Aenys', considering he has to react if something happens to him, he followed you inside opening the cupboards and giving you his hoodie and fresh pair of boxers which you thanked him for.

He left the room to give you privacy, but oh gods his mind was racing with all the thoughts.

He paced around, trying to contain himself, and he stood there in front of the door.

And then you opened it.

His hoodie reached to your thighs, and you looked at him, shocked to find him in front of the door, lips parted.

He snapped.

He quickly pushed you inside and shut the door behind you, slamming his lips against yours, and kissed you fervent hunger, you stumbled back and you almost fell but he caught you by your waist and pushed deeper into the kiss, moving his lips hungrily against your.

He pulls away, silently giving you a way out if you need it.

You should refuse this.

You should push him away.

But you don't, instead you wrap your arms around him and pull him into a deeper kiss, he groans when he feels you kiss him back, he pulls away once again, before grabbing you by your arm and pushing you onto the bed, making you fall on your back, your hoodie rising up, revealing your stomach, which he kissed lovingly before he pulled the hoodie even more further up, exposing your tits and pressing kisses to the nipples, causing you to gasp.

He pulls the hoodie off of you completely, and you raise your hands to assist him, he pulls off his shirt too, exposing his naked chest, and you bite your lip at the view, next he takes the boxes off you, doing the same, leaving you both completely bare to the room.

He pushes you upwards to the bed and crawls on top of you, kissing your face, neck, collar bones and valley between your breasts, his hands grab the flesh of your tits before he kneads them, massaging them, thumbs flicking the nipples making you arch your back.

One of his hands trails down to your core, dipping into the heat, he outright moans when he finds you practically leaking, collecting the arousal and bringing it upwards your bud. Rubbing small circles which makes you gasp.

He pulls his hand away and brings it up to lick at the wetness that has accumulated on the fingers, humming in satisfaction before he pressed kisses which travelled downwards until his mouth stopped right at your core, giving a small kiss to it to, you shivered when you felt his hot breath against it, the way the air he exhaled would hit your clit. He kissed the inner part of your thighs first, making you needy with want, wishing he'd just take you into his mouth.

And then he does, his tongue strides upwards from your opening to your clit, giving you one long lick before he captures your clit with his mouth, suckling on it, causing you moan his name loudly, both of his hands wrap around your thighs and he pulls them further apart, his fingers digging into the flesh as he hungrily devours your cunt, tongue flicking the bud constantly, you grip his hair and buck your hips, practically rutting against his face, you felt his tongue travelling down and lick at the wetness, the tip of his nose pushing against your clit, you felt your core tighten as the movement of his tongue sped up, causing you to topple over the edge and your orgasm hit you like a truck, making you whine loudly.

He greedily licked everything up before he placed wet kisses on your thighs, the residue of your wetness sticking to them before he sat back on his knees between your parted legs, you watched as he got up slightly, making his cock come into view.

Your eyes widened slightly, which didn't go unnoticed by Aemond, this stroked his ego very much.

He was big, bigger than any you've seen before, it was pale with a tip that was flushed pink due to the blood pumping, oozing precum out of it, he pumped his cock in his hand to ease the area, coating his dick in his own precum before he positioned it against your entrance, you bit your lip in anticipation but then you felt him slide against your folds, covering his dick in your wetness as well before slapping your clit with the tip of his dick, making you whimper.

He then lined himself against your entrance and pushed in, and you arched your back at the stretch, it was so delicious, you felt so full.

He leaned on top of you and gave you a passionate kiss, you could taste yourself on his tongue, making you taste the tanginess, he supported his weight on his elbows which were on either side of you, gripping yours, fingers intertwined with yours. You were locked in a missionary position, a position that felt intimate.

Then you felt him move, thrusting in and out at a brutal speed, causing you to moan his name, the thrusts made you jolt up the bed, breasts bouncing due to the force emitted from it, his grip tightening as he grunted on top of you, rutting into your wet heat, his hair dropped his shoulders, cascading around his face, and you gasped at how godly his looked like this.

Then you felt his tip hit your gspot, constantly, which caused you moan extremely loudly, “Fuckk! Ahh~ Aemond!” you mewled, closing your eyes and throwing your head back, his hand left one of yours to cover your mouth as he continuously slammed into you.

“Shh, be quiet, or he'll wake up.” he whispers, referring to Aenys who was sleeping in the next room and you nodded, you felt him pull his hand away but his thumb traced your lips, you opened your mouth which made him put his thumb inside and you sucked on him, and you felt him groan, then he pulled it out, hand going back to grip yours, and you bit your lip to hold back your moans from slipping out.

You felt your core begin to tighten again and it snapped once more, causing you to arch you back, pushing your breasts against his chest and he muttered 'fuck' feeling the way you clenched around him.

His thrusts begin to grow sloppy and lose their rhythm, indicating that he was close, “Fuckk, I'm gonna cum inside you.” he says and you whine, “I'm going to get you pregnant, watch you grow round with my kid…” he growls, thrusting into you again and again, “You're going to give Aenys little siblings, You will, right? He looked so lonely, I think he'd appreciate that.” he grunts and you nod quickly, mind too hazy to even comprehend or acknowledge the complications behind you agreeing to this.

“Good girl.” he says before he finishes inside you, and paints your walls white, shooting up his seed far into you, riding his orgasm out.

You felt him pull out and thought that was the end until he pushed you over onto your back, and sat on his knees, he grabbed your waist and pulled it up, and you immediately switched to supporting your on your knees as you arched your back, stretching like a cat, your hands on the side of you.

He groaned when he watched his cum drip down your thighs before he scooped it up and put it in his mouth, tasting your combined essence.

He was still hard.

So he wasted no time, shoving himself back inside you and you whined at the way your walls felt overstimulated, not knowing if you can handle one more orgasm consistently.

He sheathed himself inside your walls, and moved with fervent speed like before, his balls slapping against your thighs, the room was filled with erotic noises, he gripped your waist for support, until his hand travelled slightly upwards, catching one of your tits before gripping it tightly, and rolling the nipple in between his fingers.

“I can't wait to watch them swell.” he grunts.

“You'd look so pretty with my child in your belly, the way your tummy will swell? Gods fuck, that is a vision.” he moans

“Look at you, taking my cock so well, like you are meant to.” he notes, thrusting in and out, watching as the previous cum leaks out.

He clicks his tongue

“So much is going to waste, tsk, it's okay I'll fill you up again, make sure you get pregnant.” he groans and you moan, “Ye-yes fill me up.” you say, and he smirks at that, “Good girl, taking my cock like one.” he leans against you, your back pressing to his chest as he leaves kisses on the back of your neck, and you once again, topple over the edge for the third time.

He finishes too, inside you again.

You both fall besides each other on the bed, and realise the weight of the situation after the adrenaline and excitement of the moment fades away and the breathing becomes more stable.

“I- fuck.” Aemond begins not knowing what to say and you lay there quietly.

“Listen, ever since that day you walked in, I felt some type of pull towards you, I wasn't sure what it was, but it was as if we were meant to me, and I couldn't ignore the feelings brewing inside me.” you watch as he speaks.

“I- to put it in simple words, I fell in love with you. I really did, though it's fine if you do not share the same feelings, we can go back to pretending this never happened.” he confesses.

“I am in love with you too.” you confess, “I pushed these feelings away, because it wasn't appropriate.” you say and he looks at you this time.

Silence falls between you two.

A comfortable silence.

He pulls you closer and wraps his arms around you, hugging you, and you hug him back, the he places loving kisses atop you.

You felt something hard pressing against your inner thighs and you looked down, shocked to find him hard again, you chuckle.

“Again?” you tease and he playfully glares at you, “Yeah, you're so fucking irresistible.” he kisses your neck, hips mindlessly grinding against you. “I'm so sensitive.” you pout, but you get an idea, you quickly push him onto his back before getting on top of him, and then crawling down in between his legs, before taking his cock in your hand.

“Fuck!” he moans when he feels your warm hand wrap around it, before you gently tug on it, pumping your hand up and down, watching as the precum leaks out, you collect some with your tongue, poking the slight hole making him groan and grip the side of your head.

You trail kisses down to his balls, before giving them wet kisses as your hand pumps his cock, you lick a long stride up his length before taking him in your mouth, as best as you can, hands resting on his thighs to balance yourself.

You bob your head up and down, swirling the the tongue around him, pulling away time to time to breath before descending onto him once again, the grip on the side of your head tightened and you watched as he sat up slightly leaning on his elbow, before his hips thrusted upwards, and so you let him take control.

He collected your hair into a makeshift pony before gripping the back of your head tightly and thrusting his entire length into your mouth, the tip teaching the back of your throat, making you gag slightly, causing tears to well up in your eyes, you closed them and tried to breathe through your nose as he thrusted upwards and fast, essentially fucking your throat.

You felt him twitch slightly in your mouth, knowing he was close, you sucked him and hollowed your cheeks, he threw his head back at that, he felt steady pleasure rising within him before such a force expelled from his body, causing him to peak, shooting out ropes and ropes after cum into your mouth, you felt it hit the back of your throat, causing you to swallow unknowingly, before he slightly pulled out, cause the remaining to fall in your mouth.

He pulled out completely and watched your face, flushed and hair dishevelled, you held his cum in your mouth, waiting for his command, “Swallow.” and you did, obeying him, opening your mouth to show that there was none left, he groaned as he watched the remnants of his seed drip from the side of your mouth before he collected it with his index finger and shoved it back into your mouth, and you click his finger clean, he grunted before you upwards and kissing you, tasting himself in your mouth, hands squeezing your ass before he gave one of them light slaps, causing you to wince.

You pulled away and breathed heavily, he smiled down at you, before he left the bed to clean both of you up, collecting the clothes and getting dressed before he pulled beside him in the bed, going to sleep while hugging your form.

You dreaded the next morning, wondering how you'll explain your relationship to Aenys, you woke up to an empty bed, you read the time, it's was just 8AM, you felt sad but then you quickly got up and went outside finding Aemond and Aenys awake, sitting at the table conversing, your heart warmed at the sight, Aenys spotted you and ran over to you, lifting his arms up, asking you to silently to carry him, and you did, you picked him up before placing a small kiss to his forehead.

“Mama!” he said and you froze, before you looked at Aemond, who gave you a small smile and nodded and your eyes softened at it, it seems he had done the explaining.

“Mama! Mama!” Aenys grabbed your face making you look at him and you chuckled, “Yes Aenys, it's mama.” you say and he smiles brightly.

“I'll go get ready for work.” Aemond says, getting up from the spot he was sitting on and coming over to both of you before he pressed a kiss to Aenys forehead, and doing the same to you and going inside his room and getting ready.

You put Aenys down on his chair and went to the kitchen to prepare breakfast, you made simple eggs on toast, and just on the time, Aemond came out of his room, looking all ready and you placed three plates down, along with fruits cut into small pieces of Aenys.

“I made breakfast.” you say and Aemond smiles at you, before sitting down and the three of you ate breakfast.

Applying for this job was the best thing you've ever done.

Who knew your life would change the course of it in the span of just a few months.

There were other things to discuss, and you knew it was plaguing Aemond's mind as well, but you both decided it will be best if discussed later and so you both basked in this moment, listening to Aenys babbles.

“So i hwave a mom now rightt?” he asks Aemond who nods, “Are you happy?” he asks and Aenys nods quickly, “Yesh! Aenys is wery hwappy! But…” he trails off and you feel your heartbeat quicken.

“I want a sibling too…” he murmurs

Oh gods.

Your eyes flickered over to Aemond who stared at you, you blush and look away as you remembered the details of last night.

“I wwant a swister… ! or a bwother!!! Hmm any is fine…” he babbles on, not knowing what he is asking for.

You look at Aemond again, who didn't seem to take his eye off you at all.

He smirks.

Oh fuck.

You quickly get up and collect the empty plates before going behind the kitchen counter and placing them in the sink, washing your hands, focusing your attention on them, until you felt arms wrapped around your waist before one trailed upwards towards your breast giving it squeeze, you quickly looked up to see Aenys was watching until you realised he was nowhere to be seen.

“He's in his playroom.” Aemond whispered in your ear, grinding slowly against your ass.

“Heard that? He wants a sibling so badly, surely you can't deny him right?” he asks, pinching your nipples through the fabric causing you to gasp.

He places kisses down your neck, before he spins you around and kisses you on the mouth, making you wrap your arms around his shoulder. He pulls away before kissing you on the cheek.

His phone rings and he notices the time, 9:15AM, he was running late which was the first for him, and it was his assistant calling him.

“Fuck, mood spoiler.” he grunts before shoving his phone back in his pocket before placing a kiss to your mouth once again.

“Don't think I'm done with you yet, it's gonna be one hell of a ride when I get back home.” he presses one final kiss to your neck before pulling himself away from you, granted it was so fucking difficult considering how he wanted to fuck you on the kitchen counter just moments ago.

You nod and follow him to the front door.

“Have a nice day, Aemond.” you say, and he smiles at you, coming to kiss you but then Aenys comes running towards you both.

“Is dada going to work?? BYE DADAAA” he screams and Aemond chuckles, before waving a small 'bye' to Aenys, and leaving from the front door.

He barely left and he already couldn't wait to get back home from work.

And you gulped, nervous in anticipation.

Oh seven hells.

———

[astrobiscuits]

Astrocartography notes

🌍 Do you want to study abroad? Work abroad? Your MC lines show what domain to pursue:

Sun MC: photographer, actor; check the planet ruling your Sun's zodiac sign for more details

Moon MC: nurse, preschool/elementary teacher, childcare worker/nanny, doula, housekeeper

Mercury MC: librarian, language teacher, speech language pathologist, translator, working in academia, journalist, PR agent, receptionist, secretary, architect, economist, comedian

Venus MC: modelling, artist, fashion designer, hairstylist, makeup artist, art director, interior designer, garden designer, florist, wedding planner

Mars MC: surgeon, firefighter, working at the police, sportsman (the type of sport depends on the zodiac sign Mars is in your birth chart, for ex. Mars in Pisces = football, swimming; Mars in Libra = gymnastics); fitness instructor

Jupiter MC: international driver (driving to your Jupiter MC line brings bonusess💰💰), flight attendant, hotel manager, tour guide, philosopher

Saturn MC: general practitioner, dentist, law, working in the Parliament, working in public institutions, business (CEO), historian, construction worker

Uranus MC: STEM (engineering, ecology sciences, biology), electrician, weather presenter, astronomer/astrophysicist, astrologer, sociology, social worker, advocate for human rights/activist

Neptune MC: choreographer, scenographer, film/theater director, actor, ballet dancer, music composer, rehabilitation worker, bartender, yoga instructor, meditation teacher, reiki practitioner

Pluto MC: adult actor, therapist, psychiatrist, any job regarding forensics (detective, toxicologist, forensic accountant etc.), embalmer, funeral director, loan officer, research analyst

🌍 If you have no astrocartography lines passing through the country you lived for most of your life, you probably don't feel at home in that country and have always wanted to relocate to another country

🌍 When you have atleast 2 lines "conjuncting" each other through a certain country, the planet that is more dominant in your birth chart will have a higher effect in astrocartography

🌍 Mercury IC line can show where one of your siblings or cousins relocate at some point during their life

🌍 If you're a girl and you have daddy issues (hey, we don't judge here!!), travelling to Saturn DSC line will likely bring you lots of opportunities of meeting your perfect partner, but also harsh lessons regarding control in a relationship (this is a good line for you to heal your daddy issues)

🌍 If you want to meet your future spouse and you (personally) find international guys attractive, travelling to Jupiter DSC line is a very good idea. Your future spouse might also be a foreigner in that country, just like you :)

🌍 Sun ASC line shows you where you can find your life's purpose. Also your depression:📉📉 0%, while your happiness:📈📈 100% (unless your Sun is in your 8th or 12th house, then the mental health effect is the complete opposite)

🌍 You could give birth on your Moon IC line😳 or your mom could have given birth to you on that line

🌍 Venus ASC line shows you where you could take lots of pictures (of yourself, of the sightseeings). Also, where you could get diabetes where you will want to try every type of sweets you find there

🌍 You will either get very drunk, consume drugs or smoke some weird shit on your Neptune ASC line (pls take care of your health)

🌍 You could randomly meet an ex or someone who resembles your ex while travelling to your Chiron DSC line