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Holoway later moved to New York and become a financial advisor, while Williams became a brand manager at Procter & Gamble and then cofounded the ultrasonic authentication service Lisnr. We didn't want to send anyone that we know, love, or care about to take one of those predatory loans. " Being financially successful at young ages came with a burden for both founders, Holoway says they were often in the position of having to lend money to friends and family members. When they looked into other ways for people to get small, short-term loans, all they could find were payday lenders. "We didn't want to send anyone that we know, love, or care about to take one of those predatory loans, so at that point we realized there was an opportunity, " Holoway says. He and Williams are both Black, and while Holoway doesn't like to harp on the challenges they've faced as Black founders, he says they've had to be more resourceful about raising money. Data from Crunchbase shows that prior to SoLo's series A, the startup raised money through convertible notes—a form of debt that turns into equity—in addition to a seed round and participation in Techstars, an accelerator based in Kansas City, Missouri.
I made a throwaway for this post but I really would like some advice on how to get out of the hole that I've managed to dig myself into; I had an idea that I have to default on my highest account in order to pay the lesser accounts off and hope that I don't get sued but I'm scared in all honesty. I'm 24, moved to America when I was 19 on my own from England and thus have no financial support system around me. My Mum in England is not in the financial position to give me aid and she is the family that I have. I managed to get approved for some cards between late 2013 - 2015 and everything was relatively ok, I had around a half balance on all the cards and would regularly pay them down with the commissions I was making each month which were anywhere from $1000 - $3000 on top of a $30, 000 a year base salary. In January this year I received a flyer stating I had been pre-approved for a personal loan of $8, 000 (Avant) and I thought that it would be great for my credit to obtain the loan, pay off all my cards and then use the rest of the money left over to pay down a chunk of the premium and pay the rest with commissions for a few months.
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