The Beginner’s Guide to SBA Guaranteed Loans

While the federal government is not in the business of making loans to small businesses or startups directly, that doesn't mean it doesn't have a hand in helping small business thrive.

SBA Loans vs. Non-SBA Loans

There are many options when it comes to small business loans. There are startup loans, equipment loans, business credit cards, business line of credit options, and loans to help recover from disasters. Is an SBA loan or a traditional loan right for you?

Financing Can Help Your Small Business Make a Difference

Using debt financing to start a new business seems like a no-brainer to many, but there are some who really do not think of starting a new business this way. To some, just the idea of taking out new debt to start a business is enough to turn them off.

5 Tips for Getting the Best Business Loan

As the job market and overall economy in general continue to improve, lenders seem to be beginning to loosen up capital for more and more business loans. Programs designed to incentivize banks to make loans to small businesses, in the hopes that those businesses will then use the cash influx to create jobs, make loans possible even for less-than-stellar applicants.

Growth Requires a Different Kind of Capital

Growing companies usually require more working capital during their periods of rapid growth. In past insights we have calculated the amount of additional capital needed for a business as it grows, and the additional capital required is often surprisingly large.

Learn the Language of Merchant Cash Advances

For many business owners, merchant cash advance jargon can seem like a foreign language. With a little bit of explanation, however, you can be using the words like a pro and bantering confidently with people in the finance world.

Striking a Balance with Lenders

Small businesses need to be funded with enough capital so that they can fulfill all their needs. Finances should be secured for expansion of an existing business, for purchase of property, and to meet working capital needs. Entrepreneurs should also work on a sound business plan so that their business never fails.

What to Do If You Default on a Business Loan

Defaulting on an existing loan can significantly damage your FICO score and increase interest rates as well. When it comes to a business loan, defaulting doesn't always mean the end of the business.

Understanding the Value of Business Credit

If you have ever purchased a car, bought a house, or applied for a credit card, the chances are strong that you’ve been asked for your personal credit score or had your personal credit report pulled. The detail contained within your personal credit...

How to Negotiate a Personal Guarantee

Personal Guarantees are a part of doing business. You need a loan, you seek a loan, and the lender requires a guarantor to sign the loan agreement. There are no ways around this. However, there are ways to negotiate a deal so that your personal assets are not entirely at risk of being liquidated given the case that the loan is not repaid on time.

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