I want to borrow money, but I have no collateral and bad credit. I've made no new debt in 11 years. Can IdoIT?

I want to get a loan for around $15,000 so I can invest in my carpet cleaning business and possibly put something down on a house. I'm sick of renting and I really need to get some more equipment and get my van up and running. God knows I am a wheeler dealer and Mr. fixit and I've never bought anything new. I feel if I had a chance with some real money, I might be able to get where I've always tried to get to, but could never do it.
My mother passed away 5 years ago and left 68 acres to my 4 siblings and me. We've yet to divide the land into individual parcels. As it is I'm th 'poor one' in the family. They all clear over 100 grand a year conservatively. Me? Around $10,000.
I think that maybe I could use my share of that property as collateral, but they would all have a fit if I even mentioned it. The fact is though, 1/5th of that property is mine. Plus there is a house on it which my sister and her family live in. Does anyone know what I can do? I appreciate any good answers.

Get yourself an attorney. Any one of the owners of property held as tenants in common, that is, all of you own an undivided interest, can petition the court for a sale and division of assets. And your sister better be paying the rest of you rent, or the value of the rent should be deducted from her share of the sale proceeds, and divided among the rest of you.

And second, you can get a free credit report from each of the three credit reporting agencies each year. My CPA advises getting a report every four months, rotating through each agency each year.

I very much doubt if you have not made any debt in eleven years that there is any information on you at all. So the best thing to do is go put a couple hundred dollars in the bank, and get yourself a thirty day, two hundred dollar loan with your deposit as collateral. Next month do the same, maybe at another bank. In six months you will have excellent credit.

On the other hand, bankers like to see business plans, showing what you have earned, and how you would use the borrowed money to increase your earnings. The local community college, or the county economic development professional can help you decide how to grow your business.

And another thing; bankers can be prejudiced. My Dad's banker used to go to the places farmers went for an afternoon when they were not in the fields, like the bars, the coffee shop, the domino parlor, the card games, and such. He told my Dad that he would never lend money to any of the men who spent their leisure time playing cards, or dominos, or whatever. The banker believed that any man who owed him money had better be out hustling to be able to pay back production loans, rather than take a chance that his livestock or crop venture might fail and leave the bank note unpaid.

I tell you this, so that you will be sure and be well groomed, and confident that with the bankers money, you will be able to at least quadruple your income, and become a depositer in his bank. And show him how you can earn the market share you need to make the money.

NO! unless your illegal or from India ,I tried

YES......

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