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How can I get a small business loan for a startup

Starting a new business is difficult at the best of times. But if you’re short of cash, it can be almost impossible. Unfortunately, this is a catch-22 for many entrepreneurs. You can’t get financing without assets or an established business, and you can’t start a business without a small business loan for startups. Thankfully, there is an option out there [...]

Understanding Gross Income vs Net Income

Understanding gross income vs net income is a fundamental principle of running a successful business. Stated simply, gross income refers to revenues before you deduct expenses. Net income is your revenue minus costs and expenses. Differentiating gross income vs net income is crucial if you want to grow your business and maintain healthy profit levels over the long-term. These two [...]

Cash vs. Accrual Accounting For Small Businesses

The first few years of any business are volatile. According to the U.S. Small Business Administration (SBA), 25% of new businesses don’t survive the first two years while 50% don’t live past the first five years. In an environment made worse by the global coronavirus pandemic, small businesses face an even more uncertain future. One of the major reasons for [...]

Everything You Need to Know About Business Loans for Women

Women business owners face significant odds in starting and financing their businesses. Ironically, women are the majority of small business owners, with current statistics showing that women own 38% of SMBs. Data from the National Association of Women Business Owners indicate that women-owned businesses have a significant impact on the business landscape. Precisely, women-owned businesses generate annual revenues in excess [...]

A Small Business Revolving Line of Credit

Did you know that getting a revolving line of credit improves your liquidity month after month? The resultant flexibility helps you to run your small business smoothly thus making the most out of it. What do you need to know about the revolving credit? What is revolving line of credit? A revolving line of credit refers to an always-available credit [...]

What You Need to Know About Collateral Loans

The ebb and flow of modern business is difficult to predict. Small businesses, in particular, can struggle to react to fast-changing market conditions. There may be times when short-term cash injections are needed to cover temporary cash flow problems or capitalize on opportunities for expansion. And at times like these, collateral loans are very useful financing options. Whether you need funds [...]

What Is Working Capital?

Positive cash flow is extremely important for a small business to thrive, and while your business may be making more than it spends every month, you may not be seeing the full picture. Sure, staying “in the green” on a month-to-month basis is great, but it’s only a short-term glimpse into your small business’s financial well-being. The long-term health of [...]

What Is A Business Line Of Credit?

A business line of credit offers a convenient form of business financing. If your company has ever been on the hunt for additional working capital, you may inevitably have asked yourself: What is a business line of credit? That’s understandable, as the short answer is that it’s a set amount of funds that you draw on and use those funds [...]

What to Know About Unsecured Business Loans

As a small-business owner, you may need financing at some point. You might need help purchasing an asset, expanding your business and more. No matter the reason, an unsecured business loan can help. Whether you’re struggling due to the COVID-19 pandemic or looking for help with business needs to expand, there are unsecured business loan options out there. Let’s take [...]



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