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Standard loans (bank, SBA) are foundational, but California offers loan guarantee programs, microloan initiatives, CDFIs, and matching / grant schemes that reduce risk for lenders, making capital more accessible—especially for underserved or early-stage businesses.
When you apply for a small business loan, most lenders require one thing that many entrepreneurs don’t love: a personal guarantee (PG). It’s a legal agreement that puts your personal assets — like your home, savings, or car — on the line if your business can’t repay the loan.
When you apply for a small business loan, most lenders require one thing that many entrepreneurs don’t love: a personal guarantee (PG). It’s a legal agreement that puts your personal assets — like your home, savings, or car — on the line if your business can’t repay the loan.
There’s nothing more frustrating than applying for a business loan — only to get a rejection email. Unfortunately, you’re not alone. Roughly 60% of small business loan applications are denied each year, often for reasons entrepreneurs don’t fully understand.
There’s nothing more frustrating than applying for a business loan — only to get a rejection email. Unfortunately, you’re not alone. Roughly 60% of small business loan applications are denied each year, often for reasons entrepreneurs don’t fully understand.
When applying for a business loan, one number can make or break your approval chances: your Debt Service Coverage Ratio (DSCR). Lenders use this key metric to measure your ability to repay debt — and if it’s too low, you could face higher interest rates, smaller loan amounts, or outright rejection.
Choosing how to fund your small business is one of the most important financial decisions you’ll make. And one of the biggest questions entrepreneurs face is: Should I apply for a grant or take out a loan?
If you need small business financing quickly, waiting weeks or months for approval isn’t an option. That’s where the SBA Express Loan comes in — a streamlined version of the traditional SBA 7(a) program designed to deliver fast funding with less paperwork and quicker decisions.
When your business needs new equipment — whether it’s machinery, vehicles, or technology — one big question comes up: Should you finance it or lease it?
Choosing the right business loan term length can make or break your financing strategy. It affects everything from your monthly payments and total interest costs to your business’s cash flow and long-term growth. Yet, many entrepreneurs rush through this step — and end up with terms that don’t align with their goals.
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