All posts by Mariela Merino

Venture capital (VC) funds have a gender and ethnic gap because venture capitalists are not making investments on women and multicultural entrepreneurs. Women who own a business receive less than 4 percent of venture capital money. Entrepreneurs of ethnic or racial minorities are also less likely to receive an investment. By leaving out women and minorities, firms are missing out on millions and profitable business opportunities. Most venture capitalists are men and angel investors are too. Fortunately, there are options out there that entrepreneurs can seek that will help them get access to funding.

There will most likely come a time where you want to take advantage of a new growth opportunity for your business or you just need some extra capital at some point. However, there are some challenges that many business owners face when trying to apply for funding. Fortunately, there are a few tips that will help you get funded when you are seeking your first business loan.

If your business sells a physical product, you need to know what the term cost of goods sold is (also known as COGS). Knowing how to calculate your cost of goods sold can help you deduct any business expenses you incurred while getting inventory you sold. COGS can help you track your profitability and guide decision making for your business.

When you are looking for getting financing for your business, there are many financial factors that lenders consider when determining to approve or deny your application. These include your personal credit and debt coverage, personal debt and business debt usage, business revenue trend, and more. Another important factor they look at is your debt-to-equity ratio. Today we will discuss what your debt-to-equity ratio is and how to calculate it so you can ensure you get the best rate and terms when applying for a business loan.

Equipment is necessary for any construction business. You need to have the latest machinery so that workers can do their jobs and do it effectively. Material and equipment costs are high, and they keep rising over the years so you will need financing. When you are seeking new or used equipment for your construction business, there are construction equipment financing solutions available.

Due to COVID-19, many small business owners have been financially struggling leaving many people needing to rebuild their business. It is important to consider what you need to do to recover your business once the economy returns to normalcy. Having a strategy will prepare you to rebuild and get your business back on track. In this article we will discuss some tips to start rebuilding with the financing options available as well as other factors to consider when rebuilding.

New equipment, machinery, and upgrades are an essential part of running a business. It is essential for company growth and productivity. However, equipment can be expensive and put a strain on business owners who own a small to medium sized business. Sometimes equipment requires a huge investment up front and the return on investment can take months or years to materialize.

Every business needs capital and when there is not enough it can harm your company or even run out of business. There are two main ways businesses can borrow the needed cash which is a business loan or a line of credit. A business loan and line of credit offer businesses the opportunity to leverage assets in exchange for capital and that capital can be spent on the operational needs of the business. There are some differences between business loans and lines of credit as well and it is important to understand them, so you know which decision is right for your business.

The word “debt” typically has a negative connotation and is seen as bad and even evil at times, especially in the business world. It can mean that you lack sufficient cash flow and are not able to fulfill your funding requirements. However, there are instances when it can be good. Good debt leaves your business better off in the long term without having a negative impact on your financial position. Many large corporations have debt, it is a great way for people to earn a return on investment and can provide benefits for small business owners too.

There are several challenges business owners face when running a small business. Although it can be rewarding, it can be a struggle as well especially when it comes to cash flow. Poor cash flow is one of the reasons businesses end up failing because business owners do not manage their finances effectively. In fact, 82% of small businesses in the United States fail because of poor cash flow management.