Business Financing Tips

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...

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...

When you're evaluating equipment financing offers, terms like simple interest , rate , and APR  get thrown around a lot. And if you've...

More often than not equipment finance deals have extra costs, the sticker price is only part of the equation. You have delivery fees,...

Longevity is a sign of stability. Businesses with longer operational histories often have stronger credit profiles.

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.

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?”

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.

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.

PayNet tracks serious credit issues like defaults, collections, and major delinquencies. These negative marks have a significant effect on your score.

Your business doesn’t operate in a vacuum. PayNet benchmarks your performance against others in your industry to help lenders assess relative risk.

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.

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.

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.

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.

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?

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.