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The Best Collateral Options for Securing a Business Loan
This article explains the most common business loan collateral options and offers practical guidance to help small business owners choose and document collateral when seeking financing.
How to Use a Term Loan for Business Expansion
Using a term loan for business expansion requires careful planning—this guide walks you through assessing costs, forecasting ROI, aligning repayment with cash flow, and managing risk along the way.
Understanding UCC Filings: What Small Business Owners Need to Know
Learn what a UCC filing is, how it works in small business lending, and why tracking these public records is crucial for your company’s credit and funding options.
What Is a Blanket Lien and How Does It Affect Small Business Financing?
A blanket lien is a lender's claim on all of a business's present and future assets, from inventory and equipment to receivables, as collateral for a loan. It is common in term loans and lines of credit, can make additional financing more difficult to get, and is recorded publicly through a UCC filing.
Essential Financial Metrics Every Small Business Owner Should Track
Small business owners should track cash flow, EBITDA, gross and net profit margins, the debt-to-equity ratio, accounts receivable turnover, inventory turnover where relevant, and the quick and current ratios. Together they show profitability, risk and liquidity, help you spot problems early, and let you present a clear financial picture when you seek funding.
Understanding the Business Debt Service Coverage Ratio (DSCR) and Its Importance
The business debt service coverage ratio (DSCR) shows how comfortably your business can cover its debt payments from earnings: net operating income divided by total debt service. Lenders weigh it with credit, collateral and other factors to judge repayment capacity, so calculating and improving your ratio before you apply helps you prepare for funding.
How to Avoid the Most Common Business Loan Application Mistakes
Avoid the most common business loan application mistakes by submitting complete documents, checking every figure against your records, understanding the terms and fees before you sign, and comparing more than one provider. Give full business details, review your credit reports early, show realistic cash flow, and leave enough time to review everything before you apply.
Choosing the Right Business Structure for Funding: What Small Businesses Need to Know
The right business structure for funding is usually one that separates business and personal finances, such as an LLC or corporation, because lenders often see registered entities as more credible and lower risk. Sole proprietorships and partnerships can still find funding, but options are narrower. Match the structure to your funding goals, liability and paperwork.
Step-by-Step Guide to Refinancing Business Debt with a Term Loan
Refinancing business debt with a term loan means using a new lump-sum loan to pay off existing debts and replace several payments with one predictable schedule. List your current debts, compare term loan offers on fees and total cost, gather your documents, apply, then use the proceeds to pay off the old debts.
How to Negotiate Repayment Terms with Your Business Lender
To negotiate repayment terms with your business lender, review your financials and loan agreement first, contact the lender before any payment is late, explain your situation with clear numbers, and propose specific changes such as a different payment schedule, temporary relief or fee waivers. The lender decides, so get any agreed change in writing.
How to Improve Your Chances of Loan Approval: Actionable Strategies for Small Businesses
To improve your chances of small business loan approval, strengthen your business credit and fix report errors, organize accurate financial documents, show steady revenue and cash flow, and pay down existing debt before applying. A clear business plan, a lender type that fits your profile and advice from a CPA or SBA resource partner can also help.
25 Business Terms Small Business Owners Should Know
The business terms small business owners should know cover financing, money management and compliance: SBA loans, lines of credit, equipment and invoice financing, merchant cash advances, term loans and collateral; cash flow, fixed and variable costs, profit margin and ROI; and credit scores, personal guarantees, financial statements, tax rules and licenses.
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