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The Most Popular Federal, State and Local Small Business Grants

There’s no point in denying it: small business “grants” are just another word for “free money.” You don’t have to pay them back, or worry about fees, terms, and the various other disadvantages of traditional business loans. It’s actually quite simple: you just see if you qualify, gather the paperwork for the application, and that’s […]

Trade Credit: What It Means And How To Use It To Your Advantage

After figuring out your general strategy and business model, it’s time for the least fun part of starting your own business: calculating startup costs. There’s equipment, marketing, and office space, but these expenses pale in comparison to the cost of your initial supplies of inventory. New businesses must provide exemplary customer satisfaction in order to […]

How To Calculate Cost Of Debt For Business Loans

When shopping for business loans, it’s extremely important to know each option’s true cost. At first, that seems pretty easy: you just calculate the loan’s APR, right? This might help you determine the cheapest option available. But when you think of the big picture, it becomes clear that APR does not account for numerous other […]

What Is An Excellent Credit Score And How Do You Get It?

Credit score is the number one factor for obtaining a small business loan. It’s the first thing most financial institutions look at when determining approval. Other factors, like annual revenue and time in business, are also very important but won’t play as big of a role as personal credit score. Without excellent credit, it is […]

Where To Find The Best Short-Term Business Loans In 2019

When banks were the only source of business funding, small business owners had just a few products to choose from. There was the traditional business term loan, a business line of credit, and that was about it. Today, however, there are many more options, such as the short-term business loan. Like any other business financing […]

4 Common Mistakes People Make When Shopping For Small Business Loans

The process of obtaining a small business loan is often categorized as “daunting” or “intimidating.” This is largely because there are so many things someone can do wrong before applying for funding. One mistake can result in rejection, a hazardous partnership, or default. But if you can avoid these mistakes, you should have no trouble […]

What Is The Difference Between Bookkeeping And Accounting?

The terms bookkeeping and accounting are often used interchangeably. This is confusing but understandable. The jobs of a bookkeeper and an accountant are very similar. Both of them help small business owners manage their finances. Both of them tend to work together towards the same goal. But it’s important for small business owners to know […]

What Are The Best Business Loan Options For Auto Repair Shops?

Auto repair shops are among the very few businesses with almost no risk of becoming irrelevant or losing traction. People will always need to get around, which creates a steady stream of demand. You can reap the full benefit of this demand as long as you have enough cash to serve your customers and cover […]

Where To Find The Best SBA Loans In 2019

SBA Loans are among the most coveted types of small business loans on the market. Much like a traditional bank loan, the borrowing limits are high, the terms are convenient, and the interest rates are on the lower side. But only certain businesses can qualify and some widespread notions about SBA Loans may actually be […]

Small Business Loan Rates And Fees: Everything You Need To Know

Arguably the most confusing part of shopping for small business loans is comparing numbers. You can only make a decision after understanding the rates and fees for each option. This process becomes much less stressful when you are aware of every numerical figure that affects the cost of the business loan. It’s crucial to know […]