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What a 50-Year Mortgage Teaches Us About Equipment Loans
Understanding how interest compounds (and what it means for your bottom line) I don't typically watch the news. I'll read articles here and there, track stories regarding the market and government moves, BUT when talk of 50-year mortgages hit the news, I really wanted to see what everyone was saying. Face value, it seems like it would help expand purchasing power without putting much downward pressure on home prices. Then you look at the numbers, and first thought was the
Jared Holmes
Nov 12, 20253 min read
Financing Maine’s Backbone: Why Supporting Local Trades Matters
Living and working in Maine changes the way you see business. Here, small businesses are not just economic drivers. They are family legacies, community staples, and the people who keep the state running during long winters, short seasons, and everything in between. When I started Brilliance Funding Partners, my goal was simple. I wanted to help business owners across the country access the tools and equipment they need to grow. But the longer I have been in this field, the
Jared Holmes
Nov 10, 20253 min read
Financing Complex CNC Acquisitions: Beyond the Sticker Price
Upgrading or adding a CNC machine isn’t like buying a pickup truck. These high-precision systems can cost six figures or more and often involve months of coordination between manufacturers, vendors, and installers. To finance them effectively you need a strategy that accounts for the full acquisition lifecycle, not just the purchase price. 1. Navigating Foreign Vendors and Distributors Many U.S. manufacturers source CNC machinery from overseas brands known for reliability
Jared Holmes
Nov 6, 20252 min read
Stop Waiting to Upgrade: How Recycling Equipment Financing Fuels Scalable Sustainability
Recycling businesses face a unique and unavoidable challenge: your equipment isn't optional—it is your revenue engine . It’s what keeps materials moving, waste minimized, and contracts profitably fulfilled. Whether you’re processing scrap metal, plastics, paper, or C&D waste, staying competitive and profitable demands you upgrade compactors, balers, shredders, or conveyors before they wear out and cause costly downtime. That’s precisely why equipment financing is no long
Jared Holmes
Nov 4, 20253 min read
What Underwriting Really Looks At in Equipment Financing Applications
When you apply for equipment financing, you’re not just being judged on your credit score. Lenders look at a full financial picture, one that includes your business performance, the asset you’re buying, and even your industry’s risk profile. Understanding what underwriting actually looks for can help you prepare stronger applications, avoid unnecessary declines, and negotiate better terms. 1. Personal Credit: The Foundation of Small Business Lending Even though equipmen
Jared Holmes
Oct 30, 20253 min read
How Equipment Financing Supports Growth Without Adding Investors
For many business owners, especially in the trades and manufacturing sectors, bringing on outside investors can mean giving up control over how the business runs. Equipment financing offers a way to scale operations, upgrade technology, and increase production without diluting ownership or handing over decision-making power. Let’s explore how equipment financing can help your business grow without taking on investors. 1. Expansion Without Equity Dilution Investors bring
Jared Holmes
Oct 28, 20253 min read
How Equipment Financing Impacts Your Business Credit Profile
When most business owners think about equipment financing , they focus on the immediate benefit — getting the machinery, vehicles, or tools they need without a massive cash outlay. But there’s another angle that often gets overlooked: how equipment financing impacts your business credit profile . Your business credit isn’t just a number; it’s your reputation with lenders. And the way you handle an equipment loan or lease can directly affect how future lenders view your
Jared Holmes
Oct 22, 20253 min read
Understanding Down Payments in Equipment Financing: When, Why, and How Much
If you’ve ever asked yourself, “Do I need a down payment to finance equipment?” —you’re not alone. It’s one of the first questions business owners bring up when looking at financing options. The short answer? It depends on the type of equipment, your business credit profile, and how the lender structures the deal. Let’s unpack when down payments are required, why they matter, and how much you can expect to put down. When a Down Payment Is Required Most equipment le
Jared Holmes
Oct 17, 20253 min read
What Happens to SBA Loans During a Government Shutdown?
When the federal government shuts down, many small business owners understandably panic—especially those pursuing SBA-backed financing. The truth is: yes, SBA loan processing is impacted during a shutdown, but there are steps you can take now to mitigate delays and keep your funding strategy moving forward. How SBA Lending Is Affected in a Government Shutdown 1. New SBA 7(a) & 504 Applications Are Paused During a shutdown, the Small Business Administration temporarily susp
Jared Holmes
Oct 10, 20253 min read
The Value of a Business Funding Partner: Why the Right Relationship Matters
When most business owners think about financing, they focus on rates, terms, and how quickly they can get approved. But those factors are...
Jared Holmes
Oct 7, 20253 min read
How to Minimize Pesky Sales Calls and Still Stay Open to the Right Opportunities
If you run a business, you’ve probably experienced it: the phone rings, you answer, and on the other end is someone trying to sell you...
Jared Holmes
Oct 1, 20253 min read
How to Calculate EBITDA and Global Cash Flow for Your Business
When lenders evaluate a larger loan request (Usually over $250,000), two numbers often come up: EBITDA (Earnings Before Interest, Taxes,...
Jared Holmes
Sep 30, 20252 min read
How to Get an Equipment Loan for a New Business
Starting a new business is exciting — but it often requires more tools, machinery, or vehicles than you can afford upfront. That’s where...
Jared Holmes
Sep 29, 20253 min read
Why Financing Equipment Can Be Smarter Than Saving When Inflation Is High
Business owners often wonder: Is it better to save cash for equipment, or finance the purchase? While saving may feel safer, in times of...
Jared Holmes
Sep 24, 20252 min read
Should You Choose a Shorter Loan Term in an Inverted Rate Environment?
When most business owners think about loans, they assume short-term loans come with lower rates and long-term loans cost more. But...
Jared Holmes
Sep 22, 20253 min read
Plan Your Financing Before Ordering Equipment: Why Timing Matters
When it comes to buying equipment, the focus usually falls on the machine itself—features, cost, and how fast it can be delivered. But...
Jared Holmes
Sep 18, 20252 min read
Can You Finance Used Equipment? What Businesses Need to Know
For many business owners, buying used equipment is a smart way to stretch budgets while still getting the tools you need to keep...
Jared Holmes
Sep 11, 20253 min read
How Do I Get Capital for My Business?
When you’re running a business, one question comes up again and again: How do I get capital for my business? Whether you’re just...
Jared Holmes
Sep 9, 20253 min read
Working Capital for Ads
Marketing is often one of the first expenses business owners trim when cash gets tight. But here’s the catch: cutting your ad spend...
Jared Holmes
Sep 4, 20253 min read
How to Analyze if a Working Capital Offer Will Work for You
Working capital loans can be a powerful tool for small and mid-sized businesses. But just because an offer is available doesn’t mean it’s...
Jared Holmes
Sep 2, 20252 min read
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