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If you’re applying for a business loan, it’s easy to get caught up in the checklist—bank statements, tax returns, business plans. But lenders aren’t just scanning your paperwork for boxes to tick. They’re evaluating risk, reliability, and repayment potential. Whether you’re working with a bank, SBA lender, or alternative finance company, here’s what they’re really

SBA loans remain one of the most powerful financing tools for small business owners. They come with longer terms, lower rates, and more flexibility than most other options. But the bar for approval in 2025 has shifted slightly, especially as lenders tighten their underwriting and the SBA adjusts some of its guidelines. If you’re planning

When it comes to business financing, SBA loans and traditional bank loans are two of the most common options. They both come from banks, they both require paperwork, and they both help businesses secure capital. But the similarities mostly stop there. Whether you’re launching, expanding, or refinancing, knowing how these two options differ can save

Credit score trends A May 2024 US consumer average report from VantageScore shows the national average credit score is approximately 705, within 1 point of the prior 12 months. Credit scores are typically calculated based on the length of credit history, past financial behavior – including payment timeliness, adverse events, such as bankruptcy or collection

What is an SBA Loan? SBA 7a loans are financings backed by the US Government’s Small Business Administration and designed to provide qualifying small businesses access to working capital with better terms and lower rates. Under this program, the maximum loan amount is $5 million, while the maximum term is 25 years. The rates and