Business Funding Insights & Tips

In this economy, banks have grown cautious about granting loans, focusing on managing risk rather than capturing market share. Small business owners (earning less than $1-2 million) have been hit hardest. For them, the simplest and best source of capital is the merchant cash advance.

When determining how to fund a small business, it's important to understand the differences in pricing between business loans and merchant cash advances. With a business loan, the repayment is based on an annual interest rate or APR. This means there is a rate charged each year on the remaining loan balance.

When you're seeking financing for your small business, is it better to seek a short term business loan or long-term financing? Knowing the answers to a few simple questions can help you decide. What's Your Debt-to-Asset Ratio? The first thing to consider is debt load and its relationship to the assets that the financing will help fund.

Math was my worst subject at school. I would dread math class as I had absolutely zero interest in the subject. This all changed when it came to my first statistics course. Right off the bat I could see how statistics could be used for my future businesses.

Operating any business is a satisfying yet difficult endeavor. Successful small business owners get all the glory and freedom associated with a business, yet have all the headaches, heartaches, and stresses at the same time. This is particularly true in the bakery business.

Pizza is a huge business in the United States. It's said that over 90% of the population eats pizza at least once a week. Not only is pizza extremely popular, it is highly profitable. This makes pizza restaurants a great business to own. The downside to owning a pizza restaurant is the high start up costs.

When financing your business, the first vital decision is whether to utilize equity or debt financing. Equity financing involves an exchange of money for a stake in the company. On the other hand, debt financing is borrowing money from a financial institution, like a bank, to be repaid upon a set date.

Have you ever applied for small business funding? If so, chances are good that your experience went something like this: after you assembled reams of information about your company, you went to a bank and sat down with someone who would rather be talking to a larger business.