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.

When your business needs cash for day-to-day operations, you have a few great financing options—but two of the most common are working capital loans and lines of credit. While both provide access to funds, they serve different needs.

When your business needs new equipment, vehicles, or other high-cost assets, you generally have two options: lease or finance. Each has its advantages depending on your goals, cash flow, and how long you plan to use the asset.

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.

If you're looking to understand your business’s credit profile and borrowing history, obtaining a PayNet report is a smart move. PayNet, a division of Equifax, tracks business loan and lease payment history, helping lenders assess creditworthiness.

If you’re looking to build business credit, apply for financing, or secure government contracts, you’ll need a Dun & Bradstreet (D-U-N-S) Number. This unique 9-digit identifier helps lenders, vendors, and suppliers assess your business’s creditworthiness.

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.

Your personal credit score plays a crucial role in your financial health, affecting your ability to secure loans, credit cards, and even housing or job opportunities.

When it comes to securing funding, building partnerships, or expanding your business, your company’s financial reputation plays a significant role. One of the key tools used by lenders and potential business partners to evaluate your company’s financial health is a Dun & Bradstreet (D&B) report.

As a business owner, access to financing can be a pivotal part of your growth strategy. Whether you're seeking capital for expansion, equipment, or working capital, lenders want to understand your financial health before extending credit. That’s where Paynet reports come into play

I spent some time this week untangling one of the most common questions I get from business owners:“Should I go for an SBA loan or a traditional business loan?”