Click Here For Our Business Borrowing Guide. Your Business Loan Checklist! “Know your credit score for sure before you apply” Get you Credit Scores before you apply Know where you stand to get the best loan Make file corrections before lenders see See what to do improve all your scores Click here to know your credit scores “Start A Business – Where To Begin and How To Grow” Getting your business started Buying a [...]

What is Peer to Peer Online Lending? Peer to peer lending, also known as social network lending, allows borrower members to borrow money through personal loans, and lenders fund these loans by investing in notes. Each note corresponds to a portion of a borrower’s loan. With the combined forces of a contracting credit market and the power of the internet, peer to peer lending has gained alot of momentum. It has proven to be an effective alternative to conventional bank lending, [...]

The Oldest Business Funding Question: Debt Versus Equity There is a constant debate over the use of the two main types of business loans and which is more useful. In truth they both have their place, and rather than argue over the attributes of each, businesses are wise to use a combination of both at opportune times during their growth. Small, or new business owners may not fully understand what the differences are, and some, new to the business financing realm may not even know what equity financing [...]

Technology finance gives your business access to technology needed to stay ahead of the competition. Technology finance is used by businesses everyday to obtain the necessary technology needed to ensure maximum productivity and success. Improved software programs call for new computers that are equipped to handle the new programs, thus businesses have to upgrade or they get left in the dust. Technology finance helps businesses finance technology such as computers, new software programs, networking [...]

Finding capital for your business can be quite a task these days especially amid the ruins of the 2007-2008 financial crises. After the crisis, many lenders shut off or reduced credit lines, increased interest rates on credit, employed tougher restrictions, denied credit to certain industries or stopped lending altogether. Since 1995, BusinessFinance.com has been matching small to medium-sized businesses with funding sources and business services providers free of charge. We are the first matching [...]

Search for Working Capital Financing & Loans and Get a Free Matched List Working capital is the lifeblood of all businesses—it provides the ability to support and grow a healthy cash flow. However, what many business owners don’t realize is that working capital is all around them. So, let’s take a look at a few easy sources of working capital. First off, did you know that your credit card receipts are a source of working capital? Many small business lenders purchase an amount of your [...]

Starting a small business and keeping one running can often require large amounts of capital. Because most owners cannot finance all the business expenses themselves, there are several avenues for securing funding for small firms, each with its benefits and drawbacks. Personal Assets While it’s true that most small businesses require more cash than owners can supply themselves, some of their personal funds are generally necessary to get started. If you have already tapped your savings, credit cards [...]

These Business Credit Cards provide a cash line and build business credit. A major benefit of the Business Credit Cards below is that they DO NOT report on your personal credit reports but they DO report on your business credit reports. So if you pay them on time they will help build your business credit scores. Your chances of approval are greatly improved by providing your business federdal tax ID number (EIN #) instead of a social security number when applying. Even [...]

Acquisition financing is funding to acquire or merge with another business. It is the means of providing capital to acquire control of a company by stock purchase, stock exchange, cash, or any combination thereof. Qualifying and credit related decisions are often based upon such factors as: Previous cash flow history of the business The credit history and experience of borrower The management experience of the purchaser The quality and condition of the acquired assets Typical terms for [...]

Bank rate is the interest rate charged by a bank for making a loan. Bank rates are generally quite low but that is because banks will only lend to only the most proven businesses with the best credit. They tend to judge businesses base on the 5 C’s: Character, capacity, cash flow, capital, collateral, and conditions. Character refers to whether or not you have been a good borrower in the past. Capacity is the amount of experience you have in the industry. Capital is the amount of money [...]