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Dennis Shirshikov

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Dennis Shirshikov

Dennis Shirshikov is Fit Small Business’s authority on small business financing. His work has been featured in USA Today, the Wall Street Journal, Huffington Post, Business Insider, and Bloomberg. He has a master's degree in risk management with an emphasis on financial modeling. When not working with small businesses, Dennis teaches Economics at Queens College.

5 Best Professional Loan Options for Your Business

By Dennis Shirshikov on September 1, 2020 | Business Loans, Financing, Ultimate Guide

Business professionals like certified public accountants (CPAs) and consultants bill their clients hourly or by project. While waiting for payment, working capital can be scarce. Professional loans offer financing for short-term expenses and long-term projects. The best professional business loans offer quick funding, long repayment terms, and easy to meet qualifications. Top 5 Professional Business…

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Home Care Loans: Costs, Terms & Requirements

By Dennis Shirshikov on August 28, 2020 | Business Loans, Financing, Ultimate Guide

A home healthcare loan can help small businesses fund a territory expansion, new business acquisition, or finance immediate working capital needs. Because of the speed of growth in the home healthcare industry, the best home healthcare business funding options are quick and inexpensive. These loans can help you get quick access to growth capital. Best…

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Retail Business Loans: Costs, Terms & Requirements

By Dennis Shirshikov on August 28, 2020 | Business Loans, Financing, Ultimate Guide

Retailers often get financing to grow their business or to purchase inventory and ramp up for busy times of the year. Retail business loans come in various forms, such as a short-term business loan that can be used to cover expenses in preparation for the busy season, or a Small Business Administration (SBA) loan to…

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Beauty Salon Loans: Costs, Terms & Requirements

By Dennis Shirshikov on July 10, 2020 | Business Loans, Financing, Ultimate Guide

Barbers and stylists who own their salon may need financing for short-term working capital to expand the number of chairs and invest in retail products for added revenue. The best beauty salon loans provide quick access to financing for owners who have been in business for at least one year. Best Beauty Salon Loans at…

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Contractor Loans: Costs, Terms & Requirements

By Dennis Shirshikov on July 10, 2020 | Business Loans, Financing, Ultimate Guide

business loans for contractors

Contractors needing to invest in materials and supplies for new jobs can get contractor loans. A good business loan for contractors is a line of credit, which you can use repeatedly and funds in just one to three days. Other loans for contractors include longer-term Small Business Administration (SBA) working capital loans for large, capital…

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Auto Repair Shop Loans: Costs, Terms & Requirements

By Dennis Shirshikov on July 10, 2020 | Business Loans, Financing, Ultimate Guide

auto repair shop loans

Auto repair shop loans can provide mechanics and shop owners with cash to offer new services, buyout another shop, or expand the current facility to increase revenue. The best auto body shop financing options are short-term loans or business lines of credit because of their minimum qualifications, low fees, and quick funding speed. Best Auto…

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Restaurant Loans: Costs, Terms & Requirements

By Dennis Shirshikov on July 9, 2020 | Business Loans, Financing, What is

restaurant loans & restaurant financing

Restaurant loans are offered by both traditional and online lenders and often are used for working capital expenses like payroll, utilities, and inventory. Restaurant financing can also be used for large projects like new locations, equipment, and renovations. Average rates range from 6% to 50%, with repayment terms ranging from three months to 10 years….

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Trucking Business Loans: Costs, Terms & Requirements

By Dennis Shirshikov on July 9, 2020 | Business Loans, Financing, Ultimate Guide

Trucking business loans are typically short-term loans for working capital growth or lines of credit (LOC) to help truckers overcome unforeseen cash flow gaps. The best working capital loans from trucking companies have short repayment terms and fast funding because truckers sometimes need to make quick repairs or get owner-operator startup loans quickly. Types of…

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Medical Practice Loans: Costs, Terms & Requirements

By Dennis Shirshikov on July 1, 2020 | Business Loans, Financing, What is

medical practice loans

Doctors who own their own practice can generally qualify for most medical practice loans because of their high earning potential, strong net worth, and stable revenue. A Small Business Administration (SBA) loan typically will give a doctor the lowest monthly payment of most term loans. However, alternative lenders offer quicker business loans for doctors with…

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6 Best Construction Factoring Companies 2020

By Dennis Shirshikov on June 18, 2020 | Business Loans, Buyer's Guide, Financing

Construction factoring is a financing option for businesses in the construction industry. Instead of delaying work because of slow-paying clients, factoring allows your business to forge ahead, taking on more and larger projects. We examined eight construction invoice factoring companies and compiled our list of the six best for small business owners. Top 6 Construction…

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Debt Service Coverage Ratio – What It Is and How to Calculate It

By Dennis Shirshikov on June 17, 2020 | Financing, What is

When you apply for a small business loan, numbers can mean everything. For example, the lender will want to know your income, your credit score, and your debt service coverage ratio (or DSCR). Debt service coverage ratio (DSCR) measures your business’s ability to repay debt by dividing your net operating income by your total debt…

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10 Ways to Solve Business Cash Flow Problems

By Dennis Shirshikov on June 17, 2020 | Financing, How To

Cash flow problems arise when businesses cannot cover debt payments, payroll expenses, or inventory restocking. Many of these problems are temporary and only pose a serious threat if they become chronic. The first four solutions are types of financing that can be used for quick, and the remaining six are long-term managerial adjustments you can…

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