A community development financial institution (CDFI) is a private sector financial institution aimed at fostering community economic development in underserved areas. In general, CDFI lenders provide financing in low-income areas and to minority borrowers. We’ve compiled a state-by-state CDFI list to help you locate a lender near you. What a CDFI Is A CDFI is…
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What Accounts Receivable Financing Is & Who It’s Right For
Accounts receivable financing is a tool businesses can use to overcome short-term cash flow gaps by borrowing against their unpaid invoices. Unlike invoice factoring, businesses don’t assign or sell their invoices to A/R financing lenders. Invoice financing costs as little as 0.25% of the invoice value per week that the invoice is outstanding. FundThrough, our…
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Fundbox vs Kabbage: Cost, Qualifications & Which Is Best in 2020
When comparing Kabbage versus Fundbox, we considered the line of credit terms, costs, and requirements. Both offer a line of credit to businesses, but Kabbage is better overall for large funding amounts up to $250,000 and monthly payments. Fundbox offers less funding, up to $100,000, weekly payments, and a lower 10% starting APR. Fundbox vs…
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Business Loans vs Personal Loans: A Comparison Guide
Business owners who need financing may wonder whether they are better off getting a personal loan or a business loan. The truth is, there isn’t a simple answer to the business loan vs personal loan conundrum. Both can be used to fund small business needs, though there are reasons why you may want to choose…
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6 Best Small Business Loans for Veterans 2020
You’ve served our country, and now you need a loan for your small business. We’ve identified the six best small business loans for veterans. Whether you need seed money for a startup or a short-term loan for working capital, these loans are set up with features and benefits specifically for veteran-owned businesses. Top 6 Small…
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What Is a Small Business Grant & How Does It Work?
Small business grants are sums of money given to a small business by another entity without an expectation of repayment. Qualification requirements vary by the grant opportunity, and the application process is competitive. So while a grant can be very beneficial to your business, it’s not guaranteed you will be selected to receive funding. How…
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Rancher & Farm Loans for Beginners
There are a number of different financing options available for farmers and ranchers who are new to the agricultural industry. Farm Service Agency (FSA) loans are the most common financing option for new farmers. However, there are other lenders that provide farm loans such as Farm Credit Services, local banks, and seller financing. How Farm…
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Staffing & Payroll Factoring: How It Works & Top Companies
Staffing factoring, also known as payroll factoring, is a financing tool for staffing agencies that converts unpaid invoices into immediate working capital. Staffing factoring companies will typically advance 85% to 90% of an invoice’s value immediately. The remaining balance will be given to the staffing agency, minus the factor’s fees after the client has paid…
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6 Best Payroll Loans for Small Businesses 2020
Payroll loans are short-term loans that small businesses can use to cover employee wages. Lines of credit are the most common solution; however, business owners can also use invoice financing, short-term loans, and merchant cash advances as a last resort. Each option has trade-offs, and the best one is accessible and affordable to the business….
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What is Equipment Financing?
Equipment financing is used by business owners to enable them to acquire equipment—like machinery or vehicles—for their business. Small business equipment financing may be in the form of a loan or a lease. This type of funding allows businesses access to expensive hard assets they would not otherwise be able to afford. What Equipment Financing…
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Commercial Real Estate Loan Rates 2020
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…
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SBA Loan Rates 2020 – Current Interest Rates and How They Work
The affordability of Small Business Administration (SBA) loan rates attracts many small businesses that may not otherwise be able to obtain affordable financing. Whether you are considering SBA 7(a) loans, Express loans, microloans, or Community Development Company (CDC)/504 loans, the SBA loan rates you receive will likely be more affordable than most other financing options….
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