Yamou Jordan

06/29/2025

For more business Tips comment below 👇

Certain industries are consistently viewed as high-risk by banks, lenders, and other financial institutions, making it difficult for businesses within them to obtain loans, favorable credit terms, or insurance. These industries are flagged due to regulatory concerns, high failure rates, liability issues, volatility, or moral/legal scrutiny.

Here’s a breakdown of the highest-risk industries from a lender's perspective:

🚫 High-Risk & Negatively Viewed Industries for Loans
1. Adult Entertainment
Why risky: Reputational damage, legal/regulatory issues, chargebacks, high moral scrutiny.

Examples: Strip clubs, adult websites, cam sites, adult toys.

Loan likelihood: Very low unless alternative lenders.

2. Gambling & Betting
Why risky: Legal restrictions, addictive behavior concerns, chargebacks.

Examples: Online casinos, sports betting, fantasy leagues.

Loan likelihood: Rarely approved by traditional banks.

3. Cannabis Industry
Why risky: Still federally illegal in the U.S., regulatory complexity.

Examples: Dispensaries, growers, CBD brands (even non-psychoactive).

Loan likelihood: Very difficult through traditional banks; often rely on private capital.

4. Cryptocurrency / Blockchain
Why risky: Volatile markets, lack of regulation, fraud potential.

Examples: Crypto exchanges, NFT platforms, Bitcoin ATMs.

Loan likelihood: Rare, especially without strong financial documentation.

5. Fi****ms & Ammunition
Why risky: Liability concerns, heavy regulation, political sensitivities.

Examples: Gun stores, online firearm dealers.

Loan likelihood: Often denied by national banks; regional banks may consider.

6. Telemarketing / MLM / Network Marketing
Why risky: High failure rate, chargeback risks, regulatory attention (FTC).

Examples: MLM companies, phone-based marketing firms.

Loan likelihood: Rarely funded; considered scam-prone.

7. Check Cashing / Payday Lending / Debt Settlement
Why risky: Viewed as predatory, high regulatory pressure.

Examples: Check cashing, title loans, payday lenders.

Loan likelihood: Very low.

8. To***co & V**e Products
Why risky: Public health concerns, FDA regulation, age-restriction issues.

Examples: V**e shops, to***co retailers.

Loan likelihood: Limited; some community banks may allow.

9. Nutraceuticals / Supplements / CBD
Why risky: Claims-related lawsuits, FDA scrutiny.

Examples: Weight-loss pills, nootropics, unverified health supplements.

Loan likelihood: Moderate to low depending on documentation and ingredient transparency.

10. Used Car Dealerships
Why risky: High rate of customer disputes, title issues, lemon laws.

Examples: Small used car lots, "buy here pay here" models.

Loan likelihood: May require high collateral or personal guarantees.

11. Construction & Contracting (Certain Sectors)
Why risky: Payment delays, seasonal cash flow, legal disputes.

Examples: Small general contractors, roofing companies.

Loan likelihood: Conditional—often need strong balance sheets and bonds.

12. Restaurants and Nightclubs
Why risky: High failure rate (especially within first 2 years), fluctuating margins.

Loan likelihood: Limited without collateral or SBA backing.

🧾 Additional Factors That Raise Red Flags
Even within lower-risk industries, lenders may say no if you have:

Poor credit

Weak cash flow

No operating history

No business assets or collateral

🧠 Tip: How to Still Get Funded
Use industry-specific lenders: Cannabis lenders, crypto VC firms, or private equity.

SBA loans: Can help with “risky” industries like restaurants, if structured right.

Merchant cash advances: For industries like nightlife or online retail (but costly).

Business credit building: May help sidestep some initial lender bias

06/05/2025

06/05/2025

Famed rapper and entrepreneur 50 Cent (Curtis Jackson) has been granted federal court approval to seize a Westport, Connecticut property owned by his former Sire Spirits executive, Mitchell Green. Green—once director of brand management at Sire Spirits—owes the hip-hop mogul’s liquor company more than $7 million after orchestrating a multi-year kickback scheme that siphoned roughly $2.2 million in illicit payments. With the court’s decision lifting the automatic stay on Green’s Chapter 7 bankruptcy, Sire Spirits may now enforce a judgment lien on the residential property at 299 Main Street, which is appraised at approximately $1 million. Ahead of a potential foreclosure, the decision underscores how fraudulent conduct can strip debtors of bankruptcy protections and pave the way for lienholders to act swiftly under state law.

12/26/2022

3 people attempted this before and somehow ended up dead.

12/25/2022

12/24/2022

B.B. King! Merry Christmas!

12/24/2022

Well, I try my best,
To be just like I am,
But everybody wants you,
To be just like them.

—Bob Dylan

12/24/2022

Iconic photo of Jean-Michel Basquiat, Keith Haring, Grace Jones, and Fela Kuti in 1986!

12/23/2022

Seafood Mac and Cheese
INGREDIENTS :
2 cups of dry Macaroni
6 oz. Claw Crab Meat
8 oz. Shrimp, peeled and deveined
8 oz. Sour Cream
4 Tablespoons Butter
2 Tablespoons Flour
1 Spring Onion
1 can of Evaporated Milk
8 oz. block of Sharp White Cheddar Cheese
4 oz. block Mozzarella Cheese
¼ cup Panko Bread Crumbs
Salt, Black Pepper, to taste
DIRECTIONS:
Preheat the oven to 350°.
Peel and de-vein shrimp if needed.
Cook the macaroni according to the package directions. Drain well.
Place drained macaroni in a large mixing bowl.
Add the sour cream, and stir together well, until all noodles are coated.
Add the crab meat, and stir well.
Finely chop the green onion. Set Aside.
Grate the white cheddar cheese. Set aside.
Grate the mozzarella cheese. Set aside.
Melt the butter in a medium saucepan, or skillet.
Add the shrimp. Turn and stir shrimp until lightly done.
Remove shrimp from pan. Chop slightly when cooled. Add to the macaroni mixture.
Add the finely chopped onions to the saucepan, and sauté until tender.
Sprinkle flour over onions and mix well. Let cook and brown for about one minute.
Slowly add the milk, stirring constantly until the mixture begins to thicken.
Gradually add the grated Cheddar Cheese, stirring constantly until the cheese melts.
Pour the cheese mixture over the macaroni and seafood mixture. Stir well to combine.
Add salt and pepper to taste.
Place the mixture in a well-buttered baking dish.
Sprinkle top with grated mozzarella cheese.
Sprinkle bread crumbs on top of the mozzarella cheese.
Sprinkle lightly with Paprika, to add color.
Bake at 350° for 20-25 minutes, or until lightly browned on top.
Serve warm and Enjoy!

12/23/2022

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12/23/2022

Mama Badu up to something with Summer Walker 😍
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12/23/2022

Today we remember track and field champion, fashion icon Florence Griffith Joyner , Born December 21, 1959 https://share.getcashto.com/