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Business Financing Tips
What 100% Bonus Depreciation Means for Your Business in 2025
If you've been thinking about buying new equipment, vehicles, or even certain types of software for your business—now might be one of the...

Jared Holmes
Jul 223 min read
What Can You Actually Use Working Capital For?
When business owners hear “working capital,” it can feel vague—like a catch-all for extra cash. But it’s much more than that. It is...

Jared Holmes
Jul 102 min read
Understanding Simple Interest vs. Rate vs. APR in Equipment Financing
When you're evaluating equipment financing offers, terms like simple interest , rate , and APR get thrown around a lot. And if you've...

Jared Holmes
Jul 33 min read
What Are Soft Costs in Equipment Financing—and Can You Finance Them?
More often than not equipment finance deals have extra costs, the sticker price is only part of the equation. You have delivery fees,...

Jared Holmes
Jul 12 min read
The Relationship Between Time in Business and Credit Strength
Longevity is a sign of stability. Businesses with longer operational histories often have stronger credit profiles.
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Jun 201 min read
What to Expect With Working Capital Loans — From Application to Funding
The loan process for the various commercial loan options can vary drastically, and let’s be honest — the process isn’t always what business owners expect.

Jared Holmes
Jun 53 min read
What to Expect with Equipment Financing: From Application to Funding
I spent some time this week breaking down a common question from business owners: “How long does equipment financing take, and what do I need to get approved?”

Jared Holmes
May 283 min read


Alternative Financing Options Every Business Owner Should Know
Traditional bank loans aren’t the only way to fund your business. In fact, many small and midsize businesses turn to alternative financing to access capital more quickly, with more flexibility, and fewer roadblocks.
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May 72 min read
What Rising Interest Rates Mean for Business Owners
Interest rates are climbing—and if you're a business owner, that can mean more than just higher monthly payments. From the cost of borrowing to the value of your cash reserves, rising rates can affect nearly every part of your financial strategy.
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May 21 min read
How Past Defaults and Delinquencies Impact Your PayNet Score
PayNet tracks serious credit issues like defaults, collections, and major delinquencies. These negative marks have a significant effect on your score.
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Apr 221 min read
The Role of Industry Comparisons in PayNet Scoring
Your business doesn’t operate in a vacuum. PayNet benchmarks your performance against others in your industry to help lenders assess relative risk.
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Apr 171 min read
How Payment Trends Affect Your PayNet Credit Profile
Over the years, I’ve seen credit reporting in the commercial lending world grow more complex and confusing for business owners. By diving into specific areas of each credit eport my hope is I can bring some clarity and actionable items to help business owners acquire business loans with more confidence and less uncertainty.
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Apr 142 min read
Understanding Trade Credit History in Your PayNet Report
Trade credit history plays a vital role in how lenders view your business's financial behavior. In your PayNet report, this section outlines how reliably you pay back vendors and suppliers who extend credit terms.
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Apr 111 min read
Should You Choose a Shorter Loan Term in an Inverted Rate Environment?
In today’s unusual interest rate landscape, short-term loans might seem more appealing than ever. We’re in an inverted yield curve environment—where short-term interest rates are higher than long-term rates. That’s the opposite of what we usually see, and it has important implications for your financing strategy.
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Apr 102 min read
Understanding UCC Filings: What Business Owners Need to Know
When applying for business financing, you may come across the term UCC filing—but what exactly does it mean, and how does it impact your business? Understanding UCC filings is essential for business owners who want to navigate commercial loans and protect their assets effectively.
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Apr 42 min read
Understanding EBITDA: A Key Metric for Business Loans
When applying for a business loan, lenders analyze several financial metrics to assess your company’s ability to repay debt. One of the most important figures they consider is EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization). But what exactly does EBITDA mean, and why does it matter for your business financing?

Jared Holmes
Feb 182 min read
Understanding Comparable Debt
Securing a commercial loan requires lenders to assess multiple financial factors, one of which is comparable debt. Understanding how comparable debt is evaluated can help business owners better prepare for loan applications and improve their chances of approval.

Jared Holmes
Feb 102 min read
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