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

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

When lenders evaluate a larger loan request (Usually over $250,000), two numbers often come up: EBITDA  (Earnings Before Interest, Taxes,...

When most business owners think about loans, they assume short-term loans come with lower rates and long-term loans cost more. But...

When it comes to buying equipment, the focus usually falls on the machine itself—features, cost, and how fast it can be delivered. But...

For many business owners, buying used equipment is a smart way to stretch budgets while still getting the tools you need to keep...

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...

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...

Every business has its ups and downs. For seasonal industries—like construction, landscaping, HVAC, or manufacturing—the slow months can...

Starting a new project inside your business is exciting. Maybe it’s launching a new product, adding a service line, or taking on a big...

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...

What business structure to choose isn't often discussed. More and more we see customers utilize online business formation platforms....