Wednesday, 8 January 2014

No need for differentiation

For decades, strategy gurus have been telling firms to differentiate. From Michael Porter to Costas Markides and through the Blue Oceans of Kim and Mauborgne, strategy scholars have been urging executives to distinguish their firm’s offerings and carve out a unique market position. Because if you just do the same thing as your competitors, they claim, there will be nothing left for you than to engage in fierce price competition, which brings everyone’s margins to zero – if not below.

Yet, at the same time, we see many industries in which firms do more or less the same thing. And among those firms offering more or less the same thing, we often see very different levels of success and profitability. How come? What explains the apparent discrepancy?

To understand this, you have to realise that the field of Strategy arose from Economics. The strategy thinkers who first entered the scene in the 1980s and 90s based their recommendations on economic theory, which would indeed suggest that, as a competitor, you have to somehow be different to make money. Over the last decade or two, however, we have been seeing more and more research in Strategy that builds on insights from Sociology, which complements the earlier economics-based theories, yet may be better equipped to understand this particular issue.

Consider, for example, the case of McKinsey. Clearly, McKinsey is a highly successful professional services firm, making rather healthy margins. But is their offering really so different from others, like BCG, or Bain? They all offer more or less the same thing: a bunch of clever, reasonably well-trained analytical people wearing pin-striped suits and using a problem-solving approach to make recommendations about general management problems. McKinsey’s competitive advantage apparently does not come from how it differentiates its offering.

The trick is that when there is uncertainty about the quality of a product or service, firms do not have to rely on differentiation in order to obtain a competitive advantage. Whether you’re a law firm or a hairdresser, people will find it difficult – at least beforehand – to assess how good you really are. But customers, nonetheless, have to pick one.  McKinsey, of course, offers the most uncertain product of all: Strategy advice. When you hire them – or any other consulting firm – you cannot foretell the quality of what they are going to do and deliver. In fact, even when you have the advice in your hands (in the form of a report or, more likely, a powerpoint “deck”), you can still not quite assess its quality. Worse, even years after you might have implemented it, you cannot really say if it was any good, because lots of factors influence firm performance, and whether the advice helped or hampered will forever remain opaque.

Research in Organizational Sociology shows that when there is such uncertainty, buyers rely on other signals to decide whether to purchase, such as the seller’s status, its social network ties, and prior relationships. And that is what McKinsey does so well. They carefully foster their status by claiming to always hire the brightest people and work for the best companies. They also actively nurture their immense network by making sure former employees become “alumni” who then not infrequently end up hiring McKinsey. And they make sure to carefully manage their existing client relationships, so that no less than 85 percent of their business now comes from existing customers.

Status, social networks, and prior relationships are the forgotten drivers of firm performance. Underestimate them at your peril. How you manage them should be as much part of your strategizing as analyses of differentiation, value propositions, and customer segments. 

41 comments:

Erik Steiner said...

Freeky indeed...Freek nicely ends his argument by contradicting himself-Mckinsey differentiates EXACTLY through stronger social networks,more discerning hiring practices,groundbreaking research. Competes nicely vis a vis Bain and BCG,but how different is M from the thousands of less known consulting firms??

Mckinsey also differentiates strongly by pricing at a level mediocre firms cant afford. This also contributes nicely to stregthening differentiation along those other dimensions.

Umar Saeed said...

I think we can not ignore the importance of differentiation as it allows us to set skimming prices. Differentiation also helps us to establish unique brands just like Apple did. Now it is also very important for online services or e-commerce companies. Thanks for sharing

. said...

Actually, when the product is opaque and uncertain, those "other signals" from the paragraph before the last one are becoming the basement of differentiation.

David Channon said...

Status, social networks, prior relationships...these are differentiation, all part of a firms brand, identity and culture.

The example of McKinsey not being different from other consulting firms is the same as saying Waitrose and Lidl are the same because they both sell baked beans.

They are clearly differentiated by their strategy of competing at different ends of the market.

Dora Ali said...

They are clearly differentiated by their strategy of competing at different ends of the market.http://www.afu.ac.ae/en/vision/

Devid said...

All Institute in India
Top 10 Nursing Institute in India
Ayurveda Institute in India
Top 10 MBA Institute in India
Top 10 Law Institute in India
Top 10 MCA Institute in India
Top 10 Dental Institute in India
B.Arch Institute in India
Engg Institute in India
MCA Institute in India
Top 10 Medical Institute in India

Mrs Clara said...

Good Day,

I am MRS JANA MOORE from UK,a private loan lender. Do you need an urgent loan? You are in a financial crisis or needs money to start your own business? Do you need a loan to settle your debt or pay bills or start a nice business ?Have you been denied of loan from Bank? Or do you need a loan to pay off bills? worry no more, Your help comes now,contact us today at (BraydenOffshoreLoans@hotmail.com)


THANKS.

Tom Dcruze said...

Hi,

We specialize in global database resources for the international direct marketing community. Our company is primarily international data compile and research services.

B2B Marketing Database
CEO Email Database CFO USA Database
Directors Email Lists

Mike Robert said...

NO UPFRONT PAYMENTS INVOLVED
Hello,

What are your Financial needs?
We give out loans from a minimum of $5,000.00 to a maximum of $10,000,000.00 with comfortable duration that ranges from 1 to 30 years at a very reduced interest rate of 3%.

Do you need a business loan?
Do you need a personal loan?
Do you want to buy a car?
Do you want to refinance?
Do you need a mortgage loan?

Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists?
Please do not hesitate to contact us for possible business co-operation

Contact us via email: (mikerobertloans1@gmail.com)

Drone Topaz said...

I GOT A FAST LOAN @ 2% INTEREST RATE with Victoriafinancier@outlook.com

Victoria Lawson Financier help me when I was desperately in need of funds to clear debt while my husband was in hospital for surgical Treatment after he had a serious gassy accident in the factory. We spend all we have on his emergency survival treatment. After 3 Months, Doctors request for more money for a major operation because of the gas effect which was what makes me plead for funds assistance and look for loan online. After i read a lots of testimony of how Victoria Lawson Financier has help different persons, I also contacted her with { victoriafinancier@outlook.com } as directed by each testimony that i read. I explain how urgent i need the funds desperately And She gave me their policies which i agreed and my loan amount was transferred into my bank account. It was a right decision to have contacted her company. I will also advice every one in need of funds to contact Victoria Lawson Via Her Email: victoriafinancier@outlook.com

Patrick Morgam said...

Aufmerksamkeit,
Beantragen Sie eine schnelle und bequeme Darlehen, um Rechnungen, Weihnachtskredit, Hypothekendarlehen, Konsolidierungsdarlehen zu bezahlen und ein neues Geschäft zu beginnen oder Ihre Projekte zu einem billigsten Zinssatz von 3% zu refinanzieren. Bitte kontaktieren Sie uns heute über: Jaysonloanfirm@gmail.com mit Darlehen benötigt.
Wir sind zertifiziert, registriert und legitime Kreditgeber.
Sie können mit uns heute in Verbindung treten, wenn Sie am Erhalten dieses Darlehens interessiert sind, in Verbindung treten mit uns zu mehr Information über den Darlehensprozeß, Prozess wie die Darlehensbedingungen und wie das Darlehen auf Sie übertragen wird. Wir benötigen Ihre dringende Antwort, wenn Sie interessiert sind.

Erste Informationen benötigt von Ihnen:

Ganze Namen:…………
Land:…………...
Bundesland: ...............
Telefonnummer:…………
Dauer:…………
Ausgeliehener Betrag: ......... ..
Haus Adresse / Büro Adresse: ..........
Beruf:............
Monatliches Einkommen:……….
Familienstand:………..
Alter Geschlecht:…………..
Darlehen Zweck:…………..
Haben Sie sich für ein Darlehen vor? (Ja oder Nein):...


HINWEIS: Alle Antworten sollten an folgende Adresse gesendet werden:
Jaysonloanfirm@gmail.com
Für schnelle Verarbeitung.
Danke.

Unknown said...

Do You Need A Loan (Business or Personal Loan) Or A Financial Help To Start Up Your Business Or To Pay Off Bills? Contact us For More Information Via email: ( PergoCF@qualityservice.com )
Do You Need A Business Loan?
Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , bayport@safrica.com , ( PergoCF@qualityservice.com )

Unknown said...

Do You Need A Loan (Business or Personal Loan) Or A Financial Help To Start Up Your Business Or To Pay Off Bills? Contact us For More Information Via email: ( PergoCF@qualityservice.com )
Do You Need A Business Loan?
Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , bayport@safrica.com , ( PergoCF@qualityservice.com )

Unknown said...

Brauchen Sie finanzielle Unterstützung?
Erschwingliche Darlehen Angebot ... PergoCF@gmail.com
Brauchen Sie ein Business-Darlehen?
Erschwingliches Darlehensangebot (PergoCF@qualityservice.com)
Brauchen Sie ein Business-Darlehen? (PergoCF@cheerful.com)
Interessierte Bewerber sollten uns per E-Mail kontaktieren: PergoCF@gmail.com
Interessierte Bewerber sollten uns per E-Mail kontaktieren: PergoCF@cheerful.com
Interessierte Bewerber sollten uns per E-Mail kontaktieren: PergoCF@qualityservice.com

Anonymous said...

How i got my Desired Loan Amount from a Reliable Loan Company (kelvinsmithfunds@hotmail.com)

Hello everyone, My name is sharon Andrew, I am from the Alabama, United State, am here to testify of how i got my loan from Mr Kelvin Smith funds{ (kelvinsmithfunds@hotmail.com) } after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr kelvin smith funds, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Kelvin smith, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr kelvin smith funds, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Mr kelvin smith funds his email address is ( kelvinsmithfunds@hotmail.com)

Jackson Walton said...

Am so happy and thankful to God for what he has done in my life,i am Sharon from U.S.A after four years of seeking for loan online the internet scammers has succeeded in taking from me the sum of $10,000.00 without given me my loan, I lost every thing i have because of scam and ever since i was scared to make contact online concerning loan. One day, as i was browsing , i saw a comment by a woman name Kathrine Roland from U.S.A thanking the Jackson Walton Loan Company for lending a loan saying that if there is any one who also need loan are to contact the company and they will surly lend any body loan so i took there email and i contacted them we had every agreement to pay back the loan and i submitted my bank account to them and they told i will receive my loan in 24 hours and to my greatest shock, exactly 24 hours, my bank send me an alert of confirmation that the Jackson Walton Loan Company has transfer my loan amount of $70,000.00 dollars to my account am so happy and i want to use this medium to advice every one who is in need of loan or you have been scam in the past worry no more contact the very right company who can lend out loan on (Jacksonwaltonloancompany@gmail.com). and please beware of internet scams most of this email of lenders you see online are all scams so contact the Jackson Walton Loan Company because they are capable of given you your loan thanks.

Anonymous said...

Hello Everyone, I am Mr James Snow and i live in UK, i will like to talk about the goodness of God in my life after so many months of trying to get a loan on the internet and was been scammed so i became desperate in getting a loan from a legit lender online. But as God would have it, i saw a comment from a friend called Mr Williams and he talked about this legit loan company where he got his loan fast and easy without any stress so he introduced me to a Man called Joan Felch who controls a Loan Company called (Joan Felch Loan Company), So i applied for a loan sum of ($170,000.00USD) with low interest rate of 3%, so the loan was approved and deposited into my bank account in less than 48hrs, that was how i was able to get my loan to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them via email: { joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com} to get any kind of loan you need today, thanks as you read the greatest testimony of my life.

Davia said...

TAKE A LOAN @ 2% INTEREST RATE

Do you need a loan?
Do you need a loan to pay off your debt?
Do you have bad credit?
Do you need a loan construction or to invest?
Do u you need loan to start doing business?
if yes,
VICTORIA FINANCIER LOAN FIRM
are Granting you personal loan, Business loan, mortgage loan,
Construction loan, Debt loan, Student loan, Auto loan, e.t.c.
Loan at any currency are range from
$10,000 ''min'' to $100,000.000 ''max'' @ 2%
If you are interested kindly send
response to: { victoriafinancier@outlook.com }

*Full Name/Company Name:_________

*Address:_________

*Tell:_________

*loan amount:_________

*Loan duration:_________

*Country:_________

*Purpose of loan:_________

*Monthly Income:__________

*Occupation__________

*Next of kin :_________

*Email :_________

VICTORIA FINANCIER EMAIL: victoriafinancier@outlook.com
Best Regard
VICTORIA FINANCIER

Funding Company said...

Hallo,

Ich möchte meine Investition für Menschen mit finanziellen Bedürfnissen zu teilen, kann ich Darlehen von 5000 bis 50 Millionen Euro und noch mehr zu wissen, dass wir besonders garantieren bei der Bereitstellung von Kredit für Sie. Hier ist Ihre Chance, ein Darlehen von unserer Firma zu einem Zinssatz von 3% jährlich zu jedem angeforderten Darlehen zu bekommen. Die Darlehenslaufzeit beträgt 1 bis 20 Jahre, je nach Betrag. Unsere Kredite sind gesichert und garantiert, mit Bedingungen der finanziellen Kredit, die sehr zuverlässig und sehr sicher sind. Kontaktieren Sie uns heute für weitere Informationen.

E-Mail: lendingclubfirm@gmail.com
E-Mail: worldwidelendingcompany@gmail.com
E-Mail: cashloancompany10@gmail.com
E-mail: gilbertadamsloancompany@gmail.com

Freundliche Grüße,
Finanzierungsgesellschaft
Vielen Dank für das Lesen dieser Anzeige.



Glücklicher Tag (Darlehensangebot)

Funding Company said...

Hallo,

Ich möchte meine Investition für Menschen mit finanziellen Bedürfnissen zu teilen, kann ich Darlehen von 5000 bis 50 Millionen Euro und noch mehr zu wissen, dass wir besonders garantieren bei der Bereitstellung von Kredit für Sie. Hier ist Ihre Chance, ein Darlehen von unserer Firma zu einem Zinssatz von 3% jährlich zu jedem angeforderten Darlehen zu bekommen. Die Darlehenslaufzeit beträgt 1 bis 20 Jahre, je nach Betrag. Unsere Kredite sind gesichert und garantiert, mit Bedingungen der finanziellen Kredit, die sehr zuverlässig und sehr sicher sind. Kontaktieren Sie uns heute für weitere Informationen.

E-Mail: lendingclubfirm@gmail.com
E-Mail: worldwidelendingcompany@gmail.com
E-Mail: cashloancompany10@gmail.com
E-mail: gilbertadamsloancompany@gmail.com

Freundliche Grüße,
Finanzierungsgesellschaft
Vielen Dank für das Lesen dieser Anzeige.



Glücklicher Tag (Darlehensangebot)

Helen Truong said...

VICTIM OF SCAMS BUT NOW A VICTOR WITH JOSH LOANS FINANCIAL SERVICE joshloancompany@yahoo.com OR +1(215)-874-8060

Helen Truong is my name from 1731 Hilltop Haven Drive, Red Bank, NJ 07701 USA. It lifts my heart to actually use this medium to save innocent people who would have fallen into the wrong hands in quest to obtain an online loan. With all humility I want to personally warn all online loan seekers to be very careful while trying to get a loan, because it is no news that scammers are rampant everywhere all over the internet claiming to offer loan. I was a victim before now and I solemnly hope that you are a victor if you care to take my word of advise. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. All hope was nearly lost until a co-employee suggested 'JOSH LOANS FINANCIAL SERVICE' an online reliable and trustworthy lender for me, as I was almost at the edge of taking my life considering a loss of about $83,000; As God would have it, I applied for a loan from 'Josh Loans Financial Service' under Cynthia's (co-employee) recommendation and WOW in less than 72 working hours I got a credit alert confirming that my account has been credited with the loan fund of $220,000.00 which i originally requested. If after loosing much God has shown me light with the help of 'JOSH LOANS FINANCIAL SERVICE', you too without doubt can as well obtain a loan from this reputable lending institution. IN ALL, if you, your relation or any closed person desperately need a loan, DO CONTACT or help that soul to communicate with JOSH LOANS FINANCIAL SERVICE via email on joshloancompany@yahoo.com OR text/call them on +1(215)-874-8060; or preferably fill the loan application on their auxiliary webpage on http://www.joshloancompany.bravesites.com/

Anonymous said...

Wir bieten Darlehen und Finanzdienstleistungen aller Art an. Unser Darlehen variiert von
Geschäft zu persönlichen oder langen oder kurzfristigen Bedingungen mit
Günstige Zinsen (2%). Unser Darlehensprozess ist sehr schnell
Und zuverlässig mit Garantien. Für weitere Informationen über unsere
Dienstleistungen, lassen Sie uns bitte wissen, die Höhe des Darlehens Sie brauchen und
Wollen die Dauer des Darlehens. Wir hoffen, von Ihnen zu hören. die Email
Adresse unten
Andre Mark
Andremarkloanfirm@yahoo.co.uk

Frank Loan Firm said...

Hello all,

Apply for a quick and convenient loan to pay off your bills and to start up a new business and your project at an interest rate of 2% contact us at ; (frankdavisloanfirm@yahoo.com)

Regards.
.
Mr Frank Davis

Helen Truong said...

VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@yahoo.com OR +1(215)-874-8060

Helen Truong is my name from 1731 Hilltop Haven Drive, Red Bank, NJ 07701 USA. It lifts my heart to actually use this medium to save innocent people who would have fallen into the wrong hands in quest to obtain an online loan. With all humility I want to personally warn all online loan seekers to be very careful while trying to get a loan, because it is no news that scammers are rampant everywhere all over the internet claiming to offer loan. I was a victim before now and I solemnly hope that you are a victor if you care to take my word of advise. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. All hope was nearly lost until a co-employee suggested 'JOSH LOANS FINANCIAL SERVICE' an online reliable and trustworthy lender for me, as I was almost at the edge of taking my life considering a loss of about $83,000; As God would have it, I applied for a loan from 'Josh Loans Financial Service' under Cynthia's (co-employee) recommendation and WOW in less than 72 working hours I got a credit alert confirming that my account has been credited with the loan fund of $220,000.00 which i originally requested. If after loosing much God has shown me light with the help of 'JOSH LOANS FINANCIAL SERVICE', you too without doubt can as well obtain a loan from this reputable lending institution. IN ALL, if you, your relation or any closed person desperately need a loan, DO CONTACT or help that soul to communicate with JOSH LOANS FINANCIAL SERVICE via email on joshloancompany@yahoo.com OR text/call them on +1(215)-874-8060; or preferably fill the loan application on their auxiliary webpage on http://www.joshloancompany.bravesites.com/

Helen Truong said...

VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@yahoo.com OR +1(215)-874-8060

Helen Truong is my name from 1731 Hilltop Haven Drive, Red Bank, NJ 07701 USA. It lifts my heart to actually use this medium to save innocent people who would have fallen into the wrong hands in quest to obtain an online loan. With all humility I want to personally warn all online loan seekers to be very careful while trying to get a loan, because it is no news that scammers are rampant everywhere all over the internet claiming to offer loan. I was a victim before now and I solemnly hope that you are a victor if you care to take my word of advise. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. All hope was nearly lost until a co-employee suggested 'JOSH LOANS FINANCIAL SERVICE' an online reliable and trustworthy lender for me, as I was almost at the edge of taking my life considering a loss of about $83,000; As God would have it, I applied for a loan from 'Josh Loans Financial Service' under Cynthia's (co-employee) recommendation and WOW in less than 72 working hours I got a credit alert confirming that my account has been credited with the loan fund of $220,000.00 which i originally requested. If after loosing much God has shown me light with the help of 'JOSH LOANS FINANCIAL SERVICE', you too without doubt can as well obtain a loan from this reputable lending institution. IN ALL, if you, your relation or any closed person desperately need a loan, DO CONTACT or help that soul to communicate with JOSH LOANS FINANCIAL SERVICE via email on joshloancompany@yahoo.com OR text/call them on +1(215)-874-8060; or preferably fill the loan application on their auxiliary webpage on http://www.joshloancompany.bravesites.com/

Pablo Alves said...

LOAN-CREDIT

You are in search of loan for is to boost your activities; either for the realization of a project; either to buy an apartment but regrettably the bank states you conditions little crystal clear of which you are incapable and which do not answer your requirements. Interest rate 2 %

Contacto:juanmontero011@gmail.com
juanmontero011@gmail.com

Jorge Becker said...

Hello,

Are you tired of Seeking Loans and Mortgages, have you been turned down constantly By your banks and other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that we Offer loans ranging from $ 5,000 to $ 500,000,000 at 3% interest rate per Month. We give out LOANS for developing business a competitive edge/business expansion.

Be rest assure that We are certified, trustworthy, reliable, efficient, Fast and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 30 years maximum and all interest rate and calculate and allow to be pay annually.

We offer the following kinds of loans and many more; We offer the following loans to individuals-

contact us via our e-mail id below. (jorgebeckerlloans@gmail.com)

Phone number:+12548819936

*Personal Loans
*Commercial Loans
*Investments Loans
*Development Loans
*Consolidation Loans
*Student Loans
*Car Loans
*Mortgage Loans
*Acquisition Loans
*Construction loans

Business Loans And many More: If you are highly interested in our loan offer, kindly contact us via our e-mail id below. (jorgebeckerlloans@gmail.com)

Benjamin Brooks said...

Hello all,

I am a private lender, i offer loan at 2% this is a legitimate company with honor and difference we are ready to help you out in any financial problem that you are we offer all type of loan so if you are interested in this loan offer kindly contact us on our email: (anggadiman1@gmail.com)

Also provide the follow details so that we can proceed with the loan immediately.

Name:
Amount needed:
Duration:
country:
Purpose of loan:
Monthly income:
Phone number:

Contact us with the above details on our email: anggadiman1@gmail.com

Regards to you all.

Dr. Ezra Sebastian said...

DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Ezra Sebastian
+1 (850)846-6235
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


Get your instant loan approval

Rosie Rhoma said...

Divine Loan Opportunity Offered By CHESTER BRIAN LOANS That Save My Family From Financial Bondage {Brianloancompany@yahoo.com }

Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

Fred Robert said...

***AVOID SCAMS***

NO UPFRONT PAYMENTS INVOLVED

Loan Opportunity at your door step

Do you need urgent loan?
Need a business loan?
Need a loan for your investment?
Need a loan to finance your problem?
Need personal loan?

To properly introduce myself, I am Fred Robert, a private lender i give out loan at 3% interest rate per year. It is a financial opportunity at your door. Step up today and get instant loan.There are many out there looking for financial options or help around the place and still not be able to get one.

But it is a financial opportunity at your door step and as such you can not miss this opportunity. This service, is for individuals, companies, business men and women. The loan amount available ranges from $ 3,000.00 to $ 50,000,000.00, for any legal purpose, with a comfortable duration. That range from 1-30 years. For more information contact us via email: Fredrobert129@gmail.com

Rosie Rhoma said...

Divine Loan Opportunity Offered By CHESTER BRIAN LOANS That Save My Family From Financial Bondage {Brianloancompany@yahoo.com }

Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

Hoffman ibrahim said...


Hello Sir/Madam,

Do you need an urgent loan to start up business, or you need a loan for refinance, Do you need a loan to pay off debt? Do you need a loan to buy a car or a house? If yes worry no more, We offer all kinds of loan at an affordable interest rate without credit check!!! contact us today via E-mail. Email:ibrahimhoffman@gmail.com
Fill out the loan application:
1) Full name: ..........................
(2): Country / State: ....................
(3) Quantity required: ....................
(4) Duration of the loan: ....................
(5): Telephone number: ...................

Thank you

Rosie Rhoma said...

Divine Loan Opportunity Offered By CHESTER BRIAN LOANS That Save My Family From Financial Bondage {Brianloancompany@yahoo.com }

Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

Wagner Clerk said...

Hello,

Looking for a debt consolidation loan, unsecured loans, business loans, mortgage loans, car loans, student loans, personal loans, venture capital, etc! I am a private lender, I provide loans to companies and individuals with low interest rates and reasonable interest rates of 2%. Email to: carlosellisonfinance@outlook.com

Rosie Rhoma said...

Divine Loan Opportunity Offered By CHESTER BRIAN LOANS That Save My Family From Financial Bondage {Brianloancompany@yahoo.com }

Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

Fayad said...

We are a sincere Government Approved registered and certified private money lender permitted to render financial assistant to individual and cooperate bodies, ranging from the Amount of $5,000 to $100,000,000 Million Dollars , Euro and Pounds with long loan repayment period of 1 year to 20 years.
Loan Available are Business, Personal, House,Travel and Student Loans. Apply for a loan today. Its Easy and fast to get at 3% interest rates and monthly installment payments. Check-out this great offer. If you are interested do get back us
Contact via E-mail: royalworldfundings@gmail.com

Willaim Cobb said...

Hello Everyone, I am Mrs Margret McColister a single mom from dudelange in
Luxemburg, i will like to share this great testimony on how i
got my loan from a Loan Company when we were driven out of our home when i
couldn't pay my bills any more,
After been scammed by various companies on line and have been denied a loan
by my bank and some other credit union i
visited. my children were taken by the foster care, i was all alone in the
street. Until a day i shamefully walked into an
old school mate who introduced me to Rex Lenders Firm At first i
told her that i am not ready to take any risk
of requesting a loan on line any more, but she assured me that i will
received my loan from them. On a second thought, due
to my homelessness i took a trial and applied for the loan, luckily for me
i received a loan of $50,000.00 from
(Rexlenders.finace@mail.com). Am happy i took the risk and applied
for the loan. my kids have been given back to
me and now i own a home and a business of my own. All gratitude goes to
Rex Lenders Firm for giving a meaning
to my life when i had lost all hope.every one please kindly email
via,(Rexlenders.finace@mail.com )to get your urgent loan today

do not miss the chance of getting screwed up by other fake company on the internet
Rex Lenders Firm is the best they are tested trusted and accredited

i am Margret McCloister

Rosie Rhoma r said...

Divine Loan Opportunity Offered By CHESTER BRIAN LOANS That Save My Family From Financial Bondage {Brianloancompany@yahoo.com }

Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

Isabella Tyson said...

Testimony on how i got my LOAN from fundingloanplc@yahoo.com

I'm Isabella Tyson from 1910 N Halsted St Unit 3, Chicago IL60614 USA,, i have been searching for a genuine loan company for the past few months and all i got was bunch of scams who made me to trust them and at the end of the day took my money without giving anything in return, all hope was lost i got confused and frustrated, i find it very difficult to feed my family and vowed never to have anything to do with loan companies on net and went to seek of assistance from a very good friend which i explained all my experience regarding online companies with and said he can help me that he knows of a Godsent and well known company called FUNDING CIRCLE PLC, he stated he just got a loan from them although i was still very unsure about this company due to my past experience but i decided to give it a try and did as i was directed by my friend and applied, i never believed but i tried and to my greatest surprise i received my loan in my bank account within 24 hours, i could not believe that i would stand on my feet financially again. I’m glad I took the risk and applied for the loan and today i'm thanking God that such loan companies still exist and promise to share the good news to people who are in need of financial assistance because the rate of scams on net is getting very serious and i don't want people to fall victim when we still have genuine and Godsent lenders.. You can contact this Godsent company using the information as stated and be a partaker of this great testimony.. Email: fundingloanplc@yahoo.com OR Call/Text +14067326622 thanks



jack ballard said...

To get an internet loan is very simple, quick and fast,
you can get a good internet loan in 48 hours,
i got my loan in 48 hours just yesterday here,
internet loan is good when you apply for loan from a good company,
a good company that loves the customers,
a good company that help the borrowers,
if you want to get loan from a good company then contact this email: jackballard396@gmail.com
i got my loan from them and i am very happy.

contact if you need financial help: jackballard396@gmail.com

regards