All posts by Mariela Merino

Capital budgeting is the decision-making process that companies follow with capital-intensive projects they should pursue such as entering a new market or the research and development of new products. It is the most efficient method to feeling confident in the investment decisions of your company.

When you receive a business loan, it is a prime opportunity to build excellent credit history. In this post, we will go over how you can use your business loan to improve your credit score. Raising your credit score by just a few points will allow you to afford lower rates for future loans and will ensure that your business is in better financial standing.

Do you need additional business financing? If you have a poor business credit score, you might feel like securing a loan seems unfeasible. A lot of banks avoid loaning money to individuals with low credit scores, making it hard to find financing. There are bad credit business loan options available, but you should weigh your options prior to applying.

SBA loans are advantageous for American small business owners who are not able to get financing through other ways. With lending programs like the 7(a), the SBA acts a guarantor on loans provided through commercial lending partners.

The Small Business Administration is a great resource for business owners because of their diverse financing options. In this post, we will review each SBA loan option so that you can determine which one is right for your business.

Real estate is a lucrative investment that has many benefits. The asset values of your properties have low deprecation comparted to other investing in other sectors. There is a payback period that ranges between seven and ten years if it is well-managed. The asset becomes an eternal revenue-generating source. In this guide, we will help you understand the resources you available depending on your needs such as business lines of credit loans, term loans, or SBA loans.

One of the most important factors of running a small business is having enough money to operate. Sometimes you need a reliable financing source in order to grow and reach your small business goals. Many large businesses use equity markets to finance their operations, for most small businesses, going public is not realistic. However, acquiring a commercial loan is a viable option for many.

When securing a business line of credit, you will be able to borrow money without pre-approval. However, not all business lines of credit are the same. There are two types which are secured and unsecured line of credit. Prior to applying, you need to be aware of the advantages and disadvantages of both. Deciding on a secured or unsecured line of credit depends on your business which we will discuss more of this later on in this post.

You might be aware that the Small Business Administration offers help to business owners through services such as grants. They also have various lending programs which can be invaluable to business owners who have tried other financing options.

Being a small business owner is already challenging enough, but a minority owner faces other challenges. Despite these challenges, minority entrepreneurship is rising, and they have played a big role in the United States economy. However, since minority entrepreneurs face several challenges in the business community, we are going to share several tips for acquiring business financing.