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Alltemp Inc. (LTMP)

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ABOUT WikiLoan, Inc.

A leading Peer-to-Peer lending platform in the United States

100% proprietary technology built from the ground up

A fully automated system built for security and efficiency

WikiLoan is a website that provides tools for peer-to-peer borrowing and lending. People can use the tools on the website to borrow and lend money among themselves at rates that make sense to all parties. WikiLoan provides management tools that allow Borrowers and Lenders to manage the process by: providing loan documentation, promissory notes, repayment schedules, email reminders, online account access, and online repayment.

Borrowers go through a simple process to create a loan listing between $500 and $25,000. They set the rate they are willing to pay for the loan, get their WikiScore, and invite friends in their network to view the listing.

Lenders receive an invitation to view a listing and are provided with the borrower's WikiScore, debt-to-income ratio, and the loan repayment schedule.

Once the loan is fulfilled, WikiLoan compiles the promissory note and provides it to all involved parties. WikiLoan handles on-going notifications and provides access to online payment systems to ensure a smooth repayment process.

WikiLoan does not sell, rent or share members' personal information with third party marketers.

WikiLoan, Inc. operates a Social Network with a focus on finance. At WikiLoan.com, family and friends can borrow and lend money among themselves at rates suitable to their respective needs. The website provides repayment schedules and documentation for loans, along with proprietary administrative tools, enabling users to securely pull credit reports and automate the loan repayment process.

Through a simple process, borrowers can create a loan listing between $1,000 and $25,000. They set the rate they are willing to pay for the loan, get their WikiScore, and invite friends in their network to view the listing. Lenders then receive an invitation to view the listing and are provided with the borrower's WikiScore, debt-to-income ratio, and the loan repayment schedule.

Once the loan is fulfilled, WikiLoan compiles the promissory note and provides it to all involved parties. The company also handles on-going notifications and provides access to online payment systems to ensure a smooth repayment process. Wikiloan generates revenues through fees for documentation, credit score checks and administrative services.

The market opportunity for WikiLoan is significant considering the ongoing financial crisis, bank consolidations and changing consumer behavior with regards to online lending, borrowing and banking. In the midst of current economic conditions, peer-to-peer lending has become one of the fastest growing sectors of the financial services industry and WikiLoan is well positioned to capitalize on its ongoing growth.

The management team believes the market opportunity for WikiLoan is significant, relative to the ongoing financial crisis, bank consolidations and changing consumer behavior regarding online lending, borrowing and banking, as outlined below:

The Credit Squeeze
Globally, the recent credit squeeze has led banks to increase interest rates, tighten their lending practices and institute ever tougher borrowing requirements, making it increasingly difficult for would-be borrowers, particularly those with credit challenges seeking small loan sizes of $25,000 and under, to gain access to capital via traditional lending institutions.

The Lending "Gap"
Current market conditions have created an opportunity for private lenders to step-in and fill the small loan lending "gap" increasingly vacated or made more difficult to access by traditional lending institutions. In response, individual lenders and borrowers are connecting directly with one another online, without the use of a financial institution or "middle man", for the purpose of exchanging capital through peer-to-peer lending.

Peer-to-Peer Lending
Peer-to-peer lending is one of the fastest growing sectors of the financial services industry, a trend that is expected to continue for the foreseeable future

Sector: 6153 - Short-term business credit

Security Details

Share Structure
Market Value1 $14,678,777 a/o Jul 09, 2011
Shares Outstanding 497,585,670 a/o Jun 01, 2011
Float 187,269,280 a/o Jun 13, 2011
Authorized Shares 760,000,000 a/o Jun 13, 2011
Par Value 0.001

Standard Registrar and Transfer Co., Inc.
Transfer Agent

12528 South 1840 E.
Draper, UT, 84020

FORM 10Q reported June 14, 2011 period ending April 30, 2011

Shareholders of Record 1,550 a/o May 11, 2011
Security Notes
Capital Change=shs decreased by 1 for 20 split Pay date=02/26/2008.
Capital Change=shs increased by 10 for 1 split, payable upon surrender.. Pay date=06/01/2011.

Company Notes
Formerly=Swap-A-Debt, Inc. until 6-2009
Formerly=5Fifty5.com, Inc. until 2-2008
Investor Relations

How Borrowing Works, in Detail

1. Build your Loan Listing Asking a relative or a friend for a personal loan can be awkward. We help you through the process by building a personalized loan proposal you can use when asking for your loan. It only takes a few minutes to create a loan request using our Loan Calculator. +/- Loan Uses

As a borrower, how you'll use your loan is up to you. When building your Loan Listing, selecting the Type of Loan lets your friends & family know the good their helping hand will do in your life. Tell them.

Right now, people just like you are using their loan to:

Consolidate Debt
Home Improvement
Small Business

2. Invite Friends and Family Our Wikinvite tool makes it easy to publish your loan on Facebook, MySpace and Twitter. Now your friends and relatives can participate in a formal loan without pressure.

3. Agree to the terms We give you a simple legally binding document agreed upon by both you and the lender, which allows you to structure the loan in a way that works for you both.

4. Repay the Loan, Automatically Once you receive your loan, you can choose to have your loan payment automatically withdrawn from your checking or savings account on the same date each month. You can adjust your preferences to best suit your needs. Opt to pay the minimum payment, or you can select a higher amount in order to chip away at your balance and pay your loan off early.

How Lending Works, in Detail

1. Sign up to open a lender account Fill out a short application, go through identity verification, and set your bank account preferences. It takes about 10 minutes, and you're ready to lend.

2. Browse Loan Listings Lenders have the option of searching for the friend or family member that asked for the loan, or searching through the borrower listings to find other interesting candidates. Be sure to use the filters to help narrow your search by amount, type and credit rating.

How to Read Loan Listings
The three most important items to look at when reading a loan listing are:

The DTI, or the Debt-to-Income ratio.
This is a figure that calculates how much of a person's income is spent paying his or her debts. The higher one's debt to income ratio is, the more of their monthly income that is solely devoted to paying back debts.

b. The Credit Score. This is a measure of credit risk calculated from credit reports using a standardized formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavorable credit card use.

c. The Interest Rate. This is the rate that is charged or paid for the use of money. Usually, a High Rate = High Risk.

3. Agree to the terms We give you a simple legally binding document agreed upon by both you and the lender, which allows you to structure the loan in a way that works for you both.

4. Collect Automatic Payments WikiLoan offers Automatic Payment to Borrowers, which gives Lenders peace-of-mind. If the Borrower does not sign up for auto-pay, WikiLoan sends email reminders when payments are due. The reminders have easy "click here to pay" payment options, so there are never any obstacles.

Browse Loan Listings

Frequently Asked Questions

Tools & Tips
Four Peer-to-Peer Loan Investor Tips

How to Make Money Micro Lending

Investing in Peer-to-Peer Loans? Think Like a Bank

Understanding Peer-to-Peer Lending Risks

How to Cut Credit Card Costs

Debt Management Tips in a Post Recession World

The Next Best Alternative to Banks?

Peer To Peer Lending Popularity Continues with 'The Simpsons' Appearance

What is Peer to Peer Lending?

Is Peer To Peer Lending A Good Funding Solution?

EXAMPLE of Loan Listing

Average Rates
This is a general guideline of interest rates for personal loans for the listed credit grades found on the Internet. Borrowers and lenders may use this for informational purposes, and negotiate rates among themselves.

A+ = 800-850 5.5-7.0%
A = 720-799 7.0-8.0%
B+ = 690-719 8.0-9.5%
B = 660-689 9.5-11%
C+ = 640-659 11-12.5%
C = 620-639 12-14%
D = 600-619 14-15.5%
F = 0-599 15.5%++

State Usury Laws

UCC Filings

Peer-to-Peer Lending Glossary


Marco Garibaldi
Founder, Chief Executive Officer

As the founder and CEO of WikiLoan Inc., Mr. Garibaldi has extensive experience as an entrepreneur and manager overseeing the development and growth of innovative emerging companies. He is also a computer programmer by trade with over 30 years of extensive experience in a variety of sectors including computer programming, the Internet, entertainment and the business advisory industry. He began his career at Burroughs and Sperry, which, in 1986, became Unisys Corp. and later founded a think-tank corporation called InterComm, Inc.

While at InterComm, Inc., Mr. Garibaldi was responsible for introducing a host of essential on-line applications widely used today and familiar to most Internet users. Specifically, his contributions are credited with the development of the online shopping cart, the online bookstore and the auction server, each of which represents a fundamental component of the current Internet commerce environment. Currently, while seeing the underserved need in the micro finance lending industry, Mr. Garibaldi has dedicated his extensive technical skills and creative ingenuity to establishing WikiLoan, an online peer-to-peer lending community designed to bring lenders and borrowers together to pursue new opportunities in this largely untapped market space of micro-lending.

Edward C. DeFeudis
Founder, President, CFO and Chairman of the Board

Mr. DeFeudis is the Founder, President and Chairman of the Board of the Company since August 2005 and he is mainly responsible for start-up activities from business plan through execution. He is the Manager of Spider Investments, LLC, as well as the President of Lion Equity Holding Corp., which has provided investment banking consulting business services for small and emerging growth companies, since 1999. Mr. DeFeudis also served as Financial Advisor for several financial institutions including Merrill Lynch and Oppenheimer Securities from 1996 to 1999. Mr. DeFeudis graduated from University of New Hampshire in 1995 with a BA degree in Political Science.


1177 George Bush Blvd.
Suite 201
Delray Beach, FL 33483
Phone: 561-865-5310
Fax: 561-865-5309




$WKLI Thursday, June 30, 2011

$WKLI Tuesday, June 14, 2011

$WKLI Tuesday, May 31, 2011

$WKLI Thursday, May 19, 2011

$WKLI Wednesday, May 11, 2011

$WKLI Thursday, May 5, 2011

$WKLI Tuesday, December 21, 2010

$WKLI Wednesday, December 15, 2010

$WKLI Thursday, November 4, 2010

$WKLI Friday, October 22, 2010

$WKLI Friday, July 2, 2010

$WKLI Monday, June 21, 2010


Current Price
Bid Ask Day's Range
  • 1D
  • 1M
  • 2M
  • 3M
  • 6M
  • 1Y
  • 2Y
  • 3Y
  • 5Y
#1188   may have to agree as rsc tzp etc FosterK 12/03/20 09:26:19 AM
#1187   i think with ss will tighten up when lowfloatmaster 11/16/20 02:58:01 PM
#1186   for an OTC spread is less risky with FosterK 11/16/20 02:50:26 PM
#1185   that one has 38 mill float... i like lowfloatmaster 11/16/20 10:50:37 AM
#1184   rdva spread quite big, rscf reported revenue increasing, FosterK 11/16/20 10:47:44 AM
#1183   Seems like a great one, also saw rscf FosterK 11/16/20 10:41:04 AM
#1182   Just heard about this one 10mill as 5 lowfloatmaster 11/16/20 10:30:12 AM
#1181   yeah its makin top ticks and white carries lowfloatmaster 11/16/20 10:12:36 AM
#1179   $LTMP: A nice big surge like $TZPC.............. makinezmoney 11/16/20 09:32:33 AM
#1178   $LTMP: Moderna gonna have 40Million vaccines makinezmoney 11/16/20 09:21:47 AM
#1177   $LTMP refrigerant sales will go bonkers>>> WHITTENHALLJR 11/16/20 08:44:53 AM
#1176   this for real or pump? lowfloatmaster 11/15/20 03:20:59 PM
#1175   And, THANKS again, 'WH-JR'!! Up/DownTrader 11/15/20 10:45:33 AM
#1174   Alltemp supplies refrigeration fluids >>> the demand during WHITTENHALLJR 11/15/20 10:07:16 AM
#1173   P&D. *****^^***>>>>>£££¥¥¥¥€€€ Randy1111 11/14/20 06:44:24 PM
#1172   Looks like I'm not the only one following Up/DownTrader 11/14/20 06:36:43 PM
#1171   THANKS!! For that DD, 'WH-Jr'!!! (Working on my Up/DownTrader 11/14/20 06:31:44 PM
#1170   Good reads about the gargantuan effort $LTMP could WHITTENHALLJR 11/14/20 01:06:59 PM
#1169   the vaccine's complex and super-cold storage requirements are WHITTENHALLJR 11/14/20 10:09:12 AM
#1168   “Delivering billions of doses of vaccine which must WHITTENHALLJR 11/14/20 07:56:06 AM
#1166   That’s why I follow you >> one of WHITTENHALLJR 11/13/20 03:39:10 PM
#1165   $LTMP: There aren't any...... MM's are just holding makinezmoney 11/13/20 03:30:45 PM
#1164   If they were a sellers they would have WHITTENHALLJR 11/13/20 03:29:01 PM
#1163   $LTMP: They can try to prevent a run........... makinezmoney 11/13/20 03:24:09 PM
#1162   I’ve had a partial order in at 23 WHITTENHALLJR 11/13/20 03:22:04 PM
#1161   $LTMP: Thats a dangerous strategy........ makinezmoney 11/13/20 01:39:21 PM
#1160   Pump and dump in the making Randy1111 11/13/20 01:01:42 PM
#1159   I think the bidder at 15 is also WHITTENHALLJR 11/13/20 12:48:08 PM
#1158   $LTMP : Somebody bidding $15k at $0.015 makinezmoney 11/13/20 11:58:24 AM
#1157   Someone steal that 200k let’s get going!! $LTMP WHITTENHALLJR 11/13/20 11:50:02 AM
#1156   Great find! Like your other>>>I did and I WHITTENHALLJR 11/13/20 11:31:40 AM
#1155   $LTMP: We should be at $1 by end makinezmoney 11/13/20 11:05:20 AM
#1154   $LTMP : Who else would they choose ? makinezmoney 11/13/20 11:03:11 AM
#1153   Why would they choose LVMP for the job? WHITTENHALLJR 11/13/20 11:01:04 AM
#1152   $LTMP: FedEx ready to deliver Vaccines.............. makinezmoney 11/13/20 10:35:44 AM
#1151   $LTMP: $TZPC went to $5 this week............ makinezmoney 11/13/20 10:24:57 AM
#1150   $LTMP Carrier & UPS with FreezerFarms for Covid-VACCINE makinezmoney 11/13/20 10:07:55 AM
#1149   $LTMP: Full refrigeration catalogue makinezmoney 11/13/20 10:02:29 AM
#1148   $LTMP: You just saw $TZPC run hard....... cooling vaccines makinezmoney 11/13/20 09:57:19 AM
#1147   Reinstatement ChusHouse 10/28/20 01:08:25 PM
#1146   $LTMP : Approved by Government of INDIA makinezmoney 07/17/19 09:06:50 AM
#1145   What a POS this is. Another typical pink Randy1111 06/16/19 11:28:07 AM
#1144   Dead in the water Randy1111 01/29/19 02:11:55 PM
#1143   Loaded up on this. May be coming alive again. 657GOLDE6 07/20/18 01:06:03 PM
#1142   Love this bottomed out Nasdaq ticker (-; angelo2112 03/28/18 05:40:17 PM
#1141   North Park Innovations Updates iManifold(R) System with Alltemp NickelNothin 09/29/17 11:02:56 AM
#1140   Alltemp Partners with Trinity to Offer Comprehensive Extended NickelNothin 09/29/17 11:02:11 AM
#1139   Alltemp Enters into Strategic Partnership with Key Public NickelNothin 09/29/17 11:01:29 AM
#1138   Alltemp Reports Significant Chiller Energy Reduction in Field NickelNothin 09/29/17 11:00:08 AM
#1137   Five trends to improve Grocery Retailers NetworkNewsWire 07/18/17 08:31:24 AM
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