You can use your 401k or IRA to start or buy a business in three main ways: cash out the funds, borrow against them, or use a rollover for business startups (ROBS). The only 401k business funding option that doesn’t result in penalties, taxes, or interest charges is a ROBS, making it an excellent way…
Startup Financing
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Have a great business idea and need some additional capital to get it off the ground? In this section you'll find all our startup financing articles from using personal funds to start a business to the 9 best small business startup financing options.
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SBA & Bank Loans
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If you have a good personal credit score, have been in business for more than 2 years profitably, and can wait several months for funds, SBA loans or other types of bank loans are generally your lowest cost option.
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Alternative Business Loans
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Don't meet the strict requirements, or need money faster without all the paperwork? An alternative business loan may be the right option for you. Learn about all the different types of alternative business loans here.
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Commercial Real Estate Loans
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Need funds to purchase an office building, retail location, or investment property? Here you can learn about all your commercial real estate loan options.
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How to Refinance Your Business Loans in 3 Steps
Refinancing debt in your small business can lower your APR, reduce the frequency of payments, and even unlock additional working capital. The most common loans used for business refinancing are SBA loans and small business term loans. In this article, we’ll show you how to refinance business loans in three easy steps. When refinancing your…
Small Business Debt Consolidation Calculator
Small businesses struggling with short term debt and high interest rates can significantly reduce their monthly payments by consolidating. Our small business debt consolidation calculator helps businesses estimate how much they could potentially save with a consolidation loan. The calculator will show your potential savings through our recommended consolidation option, a 10 year SBA loan.…
Small Business Debt Consolidation Loan: When to Consolidate Business Debt
A small business debt consolidation loan can lower your interest rates and reduce the size of your monthly payments. They may even enable you to borrow additional working capital. Knowing when it’s the right time to consolidate business debt depends on the terms of your existing debt, your business’s current finances, and your personal credit.…
The Current Ratio: Formula, What It Is, & How to Calculate It
The current ratio, also known as the working capital ratio, is a liquidity ratio that measures the proportion of a company’s current assets to its current liabilities. It is used to measure a company’s short-term financial health. The current ratio indicates whether or not a company has enough short-term assets to cover its short-term financial obligations.…
Best Hard Money Lenders 2017: LendingHome vs. Patch of Land vs. Lima One Capital
Hard money lenders offer short-term loans to quickly facilitate the purchase and renovation of residential and commercial properties. With more than 600 hard money lenders in the U.S., it’s hard to find a reputable lender that’s right for you. To help, we looked at a range of hard money lenders and found that LendingHome, Patch…
SBA Loan Rates – Current Interest Rates and How They Work
There are three primary types of SBA loans: SBA 7A Loans, SBA Express Loans, and CDC/504 Loans. SBA 7A loans and SBA Express loans can be used for a wide variety of purposes, including growth capital and refinancing. CDC/504 loans, on the other hand, are specifically for the purchase of fixed assets like real estate…
Commercial Real Estate Loan Rates
Commercial real estate loan rates remain at near all time lows, making now a great time for small business owners to purchase or refinance commercial property. A variety of different lenders make commercial real estate loans. This article covers how commercial real estate loan rates work and the interest rates that different types of lenders…
Business Loans With No Credit Check: The Ultimate Guide
Business loans with no credit check are short-term financing options that don’t require personal or business credit scores for approval. These loans are typically used by business owners with less than perfect credit, who want to avoid personal credit inquiries and/or separate their business and personal expenses, or who need quick capital. Fundbox, who sponsored…
How to Open a Business Bank Account: Requirements, Fees, & More
When opening a business bank account, it’s important that you pick the right banking institution and bank account as well as prepare the correct documents before applying. Opening a business bank account can help separate business and personal expenses. It also makes it easier to budget and manage business cash flow and working capital. Bank…
Blockchain Technology & What it Means for Small Businesses
The blockchain is a new and innovative way that people and companies can create, verify, and enforce transactions without a middleman or central authority. It’s essentially a decentralized ledger that records transactions chronologically. Transactions recorded on the blockchain can include the exchange of money, property, or anything that requires an enforceable contract or authorized access.…
What Is A UCC Filing & How A UCC Lien Works
A UCC lien, or UCC filing, is a notice that a lender has a security interest in one or more of your assets. The term comes from a collection of established rules that govern how commercial transactions work in the United States, called the Uniform Commercial Code (UCC). UCC liens can be filed against businesses…
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