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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 123 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 242 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
Revolving Credit Utilization: Why It Matters and How to Improve It Fast
Writing a business blog without discussing personal credit and the components that comprise your score feels like teaching someone to ride a bike without wheels. In my career in business finance I can't count the number of times a few tweaks to a client's personal credit score could have boosted the overall appeal of a request to either push it from a decline to an approval, or a good approval to a great approval.
Jared Holmes
Jun 112 min read
Why the Age of Your Credit Accounts Matters for Your Credit Score
In the lending world, we often start talking about credit after it’s already become an obstacle. But building a strong credit profile takes time—and that includes the age of your accounts. A good credit score boils down to good habits, disciplined budgeting, thoughtful forecasting, and consistent monitoring.
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Jun 92 min read
Is a Term Loan Right for Your Business?
If your business is ready for its next big move—whether that’s expanding, upgrading equipment, or managing larger contracts—a term loan might be exactly what you need.
Jared Holmes
May 122 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
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 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
SBA Loans vs. Traditional Business Loans—What’s the Right Fit for You?
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?”
Jared Holmes
Jan 22 min read
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