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When evaluating business financing options, the annual interest rate is only part of the story. Lenders use different rate structures, such as interest rates, annual percentage rates (APRs), or factor rates. They may also deduct fees before funding. Two offers that look similar on the surface might yield very different results when you consider fees,

A client financing operation has grown to $20 million in deployed funds. The existing credit facility is maxed out, and the lender is not increasing the line. Meanwhile, qualified opportunities keep coming in, and another $15 million could be deployed if additional capital were available. This is the point where many growing lenders hit a

Your competitor just upgraded to the latest technology. You’re still using equipment from 2019. The difference? They lease. You bought. One of you made a strategic mistake, but which one? Leasing equipment can be a smart way to get the tools your business needs without tying up working capital. Before signing, it helps to understand

SBA loans remain one of the most dependable ways for businesses to finance growth, expansion, or recovery. They offer competitive terms and broader accessibility than many traditional loans. Yet, the approval process can be demanding. Lenders review hundreds of applications each week, and many are declined for reasons that could have been avoided. Recent data

When cash flow gets tight or opportunity knocks, working capital loans can feel like a lifeline. They’re fast, flexible, and widely available, but not without tradeoffs. For many business owners, the question isn’t whether they can qualify, but whether they should move forward. So how do you know if a working capital loan is the