Uncategorized

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

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

Despite 55% approval rates for SBA loans, thousands of applications still get declined each year, often for preventable reasons. In 2025, underwriting standards have tightened, and lenders are scrutinizing applications more carefully than ever. Understanding what lenders require and why applications fail can make the difference between approval and rejection. In 2025, along with tighter

Most business owners applying for traditional bank loans face tough odds. Only 13.6% of small-business loan applications are approved at large banks. But there is another path: SBA loans, backed by the U.S. Small Business Administration, have approval rates of 55%, more than 4 times those of conventional financing. Whether buying equipment, expanding operations, or

What is invoice factoring? Invoice factoring is a popular financing solution that allows businesses that offer products and services to other organizations to sell their accounts receivable to a third-party company, known as a factor, at a discounted rate and receive a large percentage of those amounts immediately. The solution is appealing to small businesses

Different credit report – same concept You know the importance of your personal credit score, but do you know that your business credit score is equally relevant to your business’s ability to conduct business with third-party organizations?   A business credit score, also called a commercial credit score, performs a function similar for your business than