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Business Financing

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A horse pulls a wagon with dollar coins for wheels. The cover of the wagon reads “Working Capital.”

Where to Find Working Capital Loans for Your Small Business Needs

Working capital loans options for small business financing can help you cover bills and expand your operations. Here’s our guide to how they work.

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How Hard Is It to Get a Business Loan?

How hard is it to get a business loan? Get your answer and see your options, from the least difficult to the most.

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Why Do Lenders Need Bank Statements for Business Loans?

What do underwriters look for in bank statements? Here’s what you need to apply and boost your small business’s borrowing power.

A pair of hands hold a document labeled “Loan Application.” On one side there is a hand with thumbs up and on the other side there is another hand with thumbs down.

How Do Lenders Determine the Creditworthiness of a Borrower?

How do lenders determine creditworthiness when evaluating loan applications? Learn which factors impact the approval process.

Car, house and bill balancing with bricks

What Is Business Collateral?

When applying for a loan for the first time, collateral is a must. Find out how much collateral your business needs, in the form of cash or other assets, in this how-to guide.

Apply to multiple lenders with just one application Learn More
Two people standing on a bridge with a hole in the middle, one on either side, both holding onto a keystone to close the gap. Bills are on the left; stacks of money are on the right.

How Commercial Bridge Loans Work (and How They Can Benefit Your Small Business)

Bridge financing serves as a “bridge” between your immediate need for capital and a long-term financing solution. With it, you can address cash flow emergencies and seize business opportunities.

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All About the SBA Form 1919 (Plus, How to Fill One Out)

Completing a SBA Form 1919 is required for business owners applying for an SBA 7(a) loan. Learn more about this form and how best to complete it.

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Facing an SBA Loan Default? Here’s What You Should Know

When you applied for a Small Business Administration (SBA) loan and signed on the dotted line, you had every intention of repaying your debt. Unfortunately, things happened that steered you off course and now you’re unable to meet the agreed-upon repayment terms. You aren’t alone. Defaulting on SBA loans is more common than you think. […]

DSCR equals Company’s Annual Net Operating Income divided by Company’s Annual Debt Service

How to Calculate the Debt Service Coverage Ratio for Your Business

In short, a debt service coverage ratio (DSCR) measures a business’s ability to pay its debts. Learn how to calculate it, and the steps you can take to improve it.

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