Business Loan & Real Estate Financing Articles
Updating, Replacing and Maintaining Business Equipment: A Financial Perspective
Regardless of your business, there’s a good chance that you rely on equipment of some sort to do your job. If you’re in construction, you need cranes and trucks. If you’re a dentist you need X-ray machines. If you own a restaurant, you need commercial ovens and refrigerators. If you own a gas station, you need gas pumps and coolers for drinks and snacks.
Does Uneven Cash Flow Stymie Your Business Growth?
For most businesses, cash flow is not always a sure thing. You have months of surplus where it seems like the profits are rolling in, and then you’ll have a whole season where you can’t seem to get in the black no matter how hard you try. This might not seem like the...
Solve Over Reliance on Credit Cards: A Primer for Small Business Owners
As an entrepreneur, you want to be able to run your business smoothly and efficiently. However, for many people this, unfortunately, means floating on credit when money is tight. While having a company credit card can be essential, it’s never a good idea to rely on credit cards too often to balance your books.
Cash Flow: Achieve Balance While Planning For Profit
There are very few businesses out there that are able to stay profitable every part of the year. Most businesses experience a season or two of profit and success, and then have to use the money they made during that time to make it through the rest of the year, when earnings drop off.
A Commercial Loan Broker’s Insider Tips for Getting the Best Business Loan Possible
As an entrepreneur, you know that you have to spend money to make money. Whether you’re just starting, trying to expand, or you need a cash infusion to manage some unexpected expenses, getting a business loan is a necessary part of the enterprise process.
5 Things to Consider When Looking for Commercial Financing
If you’ve decided to start looking for financing opportunities to purchase new equipment, meet payroll during a slow month or quarter, upgrade stores or offices, or buy land, there are important things to consider before choosing and applying for a loan.
Waiting for a SBA loan? These tips can help.
The government shutdown in January had an impact on many facets of small business operations. One direct impact comes from the SBA, where a backlog of loan applications occurred and will take time to approve or deny.
How the Small Business Lending Fairness Act may affect your loan
In December Senators Sherrod Brown and Senator Marco Rubio introduced the Small Business Lending Fairness Act, which is dedicated to helping prevent predatory lending to small businesses. This is a different lending act than the one recently passed in California,...
Business credit scores: what are they and how will they affect your loan.
Anyone that runs a business knows that cash flow is one of the most challenging components of keeping your business running smoothly. On paper, the balance sheet might look great, but the asset you need to tap to pay employees is a big line item called “accounts payable.”
Four questions about how CA SB 1235 may impact your loan
Last fall California legislators passed CA SB 1235, a first of its kind law which aims to add transparency to the lending process for small business borrowers. If you operate a business in California the law will certainly affect your future loan applications. However, even if you are located outside of the Golden State, it may still have an impact on business.