Emanuel Njoku

Background

About Emanuel Njoku

I help people get out of personal and/or business debt and build their own "bank" in the process to minimize or eliminate the need for outside lenders. Typically I can eliminate ALL debt within 9 years or less without requiring any additional money: Case #1 - Business owners are 55 & 61. Looking to sell their business in the next 7- 8 years. Total Debt $804,413 - Total debt with interest $1,256,402 / 44.9 years in debt Free from lenders in 4.8 years. Saved $226,912 in interest. Year 8 liquidity:$761,778 - Year 10 liquidity:$1,076,513. Combined death benefit year 10:$1,490,938 Additional Freed up cash flow after debt is eliminated :$10,647/mo Case #2 - Business owners are 61. Want to eliminate business & personal debt. Plans to keep working. Total debt:$438,500 - Total debt with interest $583,390 / 12 years in debt Free from lenders in 3.3 years. Saved $72,697 in interest. Year 5 liquidity:$370,134 - Year 10 liquidity:$1,372,061. Death benefit year 10:$2,170,150 Additional Freed up cash flow after debt is eliminated:$8,712/mo Case #3 Business owner age 57 Wanted to keep personal & business debt separate. Total Personal w/interest $593,913 / 17.3 years in debt Total Business Debt:$921,541 w/interest:$1,410,828 / 40 years in debt Personal Free from lenders: 8.3 Years Interest Saved:$45,226 Liquidity @ 70:$417,452 Death Benefit @ 70:$1,127,980 Freed-up cash flow after debt is eliminated:$3,347/mo Business Free from lenders: 2.8 Years Interest Saved:$299,224 Liquidity @ 70:$5,321,670 Death Benefit age 70:$7,522,820 Freed-up cash flow after debt is eliminated:$19,786 : Succession planning Equipment financing Exit strategy Tax savings Payoff debt Increase cash flow Liquidity Flexible loan repayment Retirement savings If you're ready to see how this can work for your personal or business debt then let's chat.