All posts by Mariela Merino

If you are looking to analyze how profitable your business is, you may have come across the term’s EBIT and EBITDA. Although these two terms share some similarities, there are differences in their calculations that leads to different results. Here is what you need to know about EBIT vs. EBITDA.

So, you have applied for financing and have received a pre-approval or an offer letter but how do you know if that funding option is right for you? Taking out a small business loan is a big decision that should be taken seriously. Today we will go over how to evaluate a loan offer, so you make the best decision for your business.

When you apply for a loan, you will see there are a wide variety of rates. Prime rates are the lowest rates you can pay. If you have several years in business and a high credit score, you will receive one of the lowest rates. The current prime rate is 3.25%.

If you are a business owner, it is critical that you understand the concept of a business cycle. No matter what industry you are in, all businesses operate around business cycles. The business cycle, also called the economic cycle, the “boom-bust” cycle or the trade cycle, refers to the cycle of fluctuations in the GDP (Gross Domestic Product) around its long-term natural growth rate.

At some point on your journey, you will need to get a business loan and apply for financing. However, it is no secret that applying for financing can be difficult and getting denied is common. It is disappointing when you find that your loan application has been denied but there are things you can do to ensure that your next business loan application results in getting approved.

Businesses face risks every day. The purpose of business insurance is to help companies protect their financial assets, physical property, and intellectual ideas. A business that does not have insurance may be unable to continue its operations after a loss occurs. Every business model and industry have its own risks, so companies need to tailor their insurance coverage to serve their needs. Before you decide which business insurance to buy, there are some facts you need to know beforehand.

When it is time for you to apply for a business loan for your small business, you need to understand what underwriting is so you can improve your chances of approval. Although it may seem overwhelming at first, here we will help you understand how the process works for lenders underwriting small business loans.

Return on Investment (ROI) is a valuable tool for businesses and individuals. It is a measure of performance used to evaluate how efficient an investment is or to help compare the efficiency of different investments.

Having a credit card for your business can help you cover certain expenses; however, you have two credit card options to choose from: business credit card or personal credit card. On the surface, they both may seem the same, but they are quite different. So, what are those differences between the two credit cards? Here is what you need to know.

Many businesses have to make not only operational decisions but capital decisions too to determine the best projects to invest in to ensure the business grows and is profitable in the future. This is where capital budgeting comes into play. Read on to understand the basics of capital budgeting and why it is important for businesses.