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...

Marketing is often one of the first expenses business owners trim when cash gets tight. But here’s the catch: cutting your ad spend...

When most business owners think of equipment financing, they picture tangible items — machinery, vehicles, or tools. But in today’s...

For many businesses, owning commercial property is more than a milestone—it’s a strategy. It creates equity, adds financial stability, and can even reduce operating costs. But how do you finance that next big move?

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

Each time you apply for new credit, it can generate a hard inquiry. And while one or two isn’t a big deal, too many in a short time can raise red flags.

Up next on our personal credit series... Number of accounts! Your credit score takes into account how many open accounts you have—but it’s not just about quantity. Lenders want to see that you can responsibly manage multiple accounts

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.

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.

When you’re applying for business financing, one of the first things underwriters want to know is: Can this business actually afford the loan they’re asking for? That’s where your Debt Service Coverage Ratio (DSCR) comes in.

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.

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.

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.

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?

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.

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?”