INSIGHTS

Banks Set to Tighten Small Business Lending in 2019

Fed survey cites economy, legislative changes and competition as key reasons.

Small businesses were largely shut out from the economic recovery over the past decade when it comes to business lending. Unfortunately, the most recent Senior Loan...

Preparing for a Recession: Working Capital Now, Not Later

All signs point to slowing growth in the U.S. economy in 2019. Many economists believe that indicators such as lower new home construction and the yield curve inversion (the difference between short-term and long-term interest rates) indicate a...

Small Businesses Impacted by Government Shutdown

As the partial government shutdown enters a fourth full week, the economy is beginning to feel the pinch. Democrats and Republicans in Washington, D.C., are at a standstill over proposed funding for President Trump’s border wall and security plan,...

The Merchant Cash Advance Industry is Maturing but Obstacles Remain

The United States is now nine years into one of the longest continuous stretches of economic recovery and yet access to working capital remains stubbornly out of reach for the majority of small businesses. Though repeatedly referred to as the...

Can You Get a Debt Consolidation Loan With Bad Credit?

Originally published Apr 19, 2017. Republished September 28, 2018.

It's hard enough to get business credit when you have zero debt and perfect credit. If you're struggling with high-interest debt and your credit score has taken a hit, getting...

Three Reasons Why 100% Financing on Hard Money Loans Does Not Exist

Originally published Sep 30, 2016. Republished August 13, 2018.

Hard money lenders are very reluctant to provide 100% financing on a deal. When prospective borrowers say they need 100% financing, they're raising questions about how much skin they...

Women-Owned Business Loans

Originally published November 1, 2015. Republished August 2, 2018.

Women-owned small businesses are making huge strides in the U.S. economy.

With over eight million U.S. small businesses owned by females, business-minded women generate over $1.5...

The Different Types of Personal Guarantees

Originally published April 19, 2017. Republished May 25, 2018.

As a small business owner, it’s likely there will come a time when you seek a loan.

As you go through the borrowing process, you might find yourself pausing on a section of the...

Merchant Cash Advances (MCA): Everything You Need to Know

Originally published Jan 18, 2017. Republished May 29, 2018.

Let’s begin with the formal explanation of a merchant cash advance (MCA) and a brief history. A merchant cash advance is simply a lump sum advance of funds from one party to another with a...

What is Hard Money Lending? Borrowing Against Real Property

Originally published on Jun 27, 2016. Updated May 25, 2018.

Even borrowers well-versed in hard money loans often still harbor questions about securing this type of financing. For the novice, these inquiries can become near-insurmountable challenges,...