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Opportunities for growth arise, equipment breaks, inventory goes on sale, business slows, and operational expenses grow. Sometimes, all of those things happen at once. Regardless of what circumstance matches your experience, chances are you’ll need working capital to make things happen. While the ideal solution may be to tap into reserve funds to manage costs, that’s not always possible. In fact, four out of ten business owners sought out some type of business funding in 2018. If you’re thinking about Read More

As a small business owner, finding the right financing is crucial. But not every form of business financing is inexpensive. In fact, some can charge interest rates in the triple digits. The average business loan interest rate in 2019 can vary by loan type, so it’s important to know what options are available and how much they’ll cost you. Here’s what you need to know about what interest rates to expect, how interest rates are determined, and how a loan’s Read More

Small Business Administration (SBA) loans are among the most popular and reliable ways for small businesses to secure funding. As with any financial product, however, loan rates change. What are the rates for business owners looking to get financing? It depends on the specific SBA loan: SBA 504 current rate is 4.65 – 4.94% SBA 7(a) current rate ranges from Prime + 2.75% to Prime + 4.75% SBA Microloan current rate is 7.75 – 8.5% Remember, prime rate changes all Read More

No matter how smart you are or how great your product may be, your business needs one very important ingredient if it’s going to thrive — the right equipment. The right equipment can help optimize performance and take your business to the next level, but it might be out of reach. Thankfully, an equipment lease may be able to help you get the specialized machinery or technology your company needs now, even if you don’t have all the money you Read More

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Fans of the popular  have another reason to keep flying. Chase launched another Southwest-branded business credit card, called the . What does it offer? How is it different from previous cards? Is it worth it if you don’t fly all the time? Here’s the scoop on earning Rapid Rewards and getting big bonuses during the card’s initial launch period. Big Bonuses for Business Card Holders Small businesses have a buffet of credit card options available to them. If you fly Read More

The decision to purchase a commercial real estate property, as opposed to leasing one, can come with numerous advantages. The right investment can be particularly financially beneficial, especially since buying property typically allows you to build equity and take advantage of additional tax benefits. And, since some commercial real estate loan rates are as low as 3.9%, purchasing property can lead to long-term savings. Choosing the right commercial real estate loan If you’re thinking about purchasing or renovating an income-earning Read More

A long-term installment loan can provide valuable capital to help you run or expand your small business. If you’re looking for long-term installment loans with no credit check, though, you may end up disappointed — that is, if you haven’t already been pre-approved. However, there is financing available, primarily online, even if you don’t have good credit or high income. The key is to know where to look and how to improve your chances of approval. Long-term installment lenders we’ll Read More

While startup companies are technically a particular type of small businesses, they operate very differently. From how they launch, to how they are funded, they have a unique aspect to them that not everyone understands. High-growth tech startups, for example, have a significantly different funding strategy that may not even include outside money. Learn why startups are different, and see the top sources of startup funding offered by the finance market today. Startups vs. Small Businesses As we mentioned, startups Read More

No matter what stage of growth your small business is in, there’s going to come a time when a little extra cash could come in handy. Perhaps you want to refinance debt, expand your operations, get equipment financing, or pay for a product launch. Whatever the need, a small business loan is one of the most sought-after methods of funding. How to get a business loan in six simple steps Learn how banks assess you. Know the factors to creditworthiness, Read More

Eigthy-two percent of small and medium-sized businesses fail because of cash flow problems. And while there are many factors that can impact cash flow, invoices or accounts receivable account for a fair share. Invoice, or more specifically, unpaid invoices, can be a big problem for small business owners.   Fortunately, many small business owners can manage gaps in cash flow. From small business loans and lines of credit to purchase order financing and cash advances, there are many ways you Read More