The Farm Service Agency (FSA) provides loans to farmers for working capital and acquisition-related farm expenses. Many FSA loans are funded directly by the government, with the exception of the Guaranteed Farm Loan program, which is originated by lenders and backed by the FSA. There are six primary types of FSA farm loans. How FSA…
All Business Loans Articles - Page 5
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5 Best Merchant Cash Advance Companies 2020
A merchant cash advance (MCA) provides a lump sum cash advance for a percentage of daily credit card receipts. An MCA provider buys future credit card sales from a business to make the advance. We ranked the top five MCA providers by comparing over 50 lenders across 15 features and speaking to 15 business owners….
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Kabbage vs OnDeck: Which Offers the Best Business Loans?
Deciding between Kabbage vs OnDeck depends on the needs of a business. OnDeck offers short-term loans up to $500,000 with a 10% starting APR and repayment terms up to three years, which are ideal for large projects. Kabbage’s lines of credit up to $250,000 with prepayment discounts are better for revolving credit needs. OnDeck Summary…
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SBA Loan Calculator: Payments & Amortization
A loan backed by the U.S. Small Business Administration (SBA) can be the least expensive way to get capital for many small businesses. They typically offer small businesses lower interest rates and longer terms than other financing options. Our SBA loan calculator will help you see just how affordable your SBA loan can be. How…
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SBA Loan Requirements & Qualifications 2020
Small Business Administration (SBA) loan requirements determine your eligibility to qualify for funding and are focused on the characteristics of you and your business. Borrowers need to have excellent credit and strong financials that demonstrate their ability to repay the loan. Other SBA loan qualifications include having adequate collateral and providing a personal guarantee. If…
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SBA Line of Credit: CAPLine Rates, Terms & Qualifications
Small Business Administration (SBA) CAPLines provide businesses up to $5 million for recurring cash flow needs. With an SBA CAPLine, or SBA line of credit, interest rates are typically 5% to 10%. An SBA line of credit allows you to use the funds repeatedly as they are repaid. Funding generally takes 45 to 90 days….
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Best Equipment Loans for a Startup Business
An equipment loan for a startup business allows that business to borrow money to purchase necessary equipment. They can be difficult to obtain for startups as most lenders require at least two years in business. However, equipment loans are available from some lenders for borrowers with at least 650 credit with rates starting around 6%….
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What Is a Merchant Cash Advance: The Small Business Owner’s Guide
A merchant cash advance (MCA) is a financing product wherein businesses receive funds upfront in exchange for a fixed percentage of their daily credit card receipts. MCA providers charge a cost of capital of 1.1x to 1.5x the amount advanced (35% to 150% APR), and lenders take payments directly from credit card sales. What Is…
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Types of Invoice Financing for Small Businesses
Invoice financing is the process business owners rely on to borrow against unpaid invoices and receivables. The industry offers small business owners multiple options that include factoring, discounting, selective financing, spot factoring, and invoice auctioning. These types of invoice financing for small businesses have varying costs, terms, and requirements. Invoice financing is part of a…
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SnapCap Business Loans & Top Alternatives 2020
SnapCap is a loan marketplace owned by LendingTree that matches borrowers with lenders. While SnapCap loans include short-term loans, merchant cash advances, and equipment financing, it charges a fee unlike LendingTree to match borrowers to lenders. We selected the top six direct lender alternatives based on costs, terms, and qualifications. SnapCap Business Loans vs Top…
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What Is Invoice Financing?
Invoice financing is a type of working capital loan for small businesses that invoice customers. By using invoice financing, business owners can borrow against the value of money they’re owed by customers. Invoice financing allows businesses to borrow 85% to 100% of invoice values at a starting rate of 0.25% per week. What Is Invoice…
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How to Refinance a Merchant Cash Advance
Merchant cash advances are an expensive form of small business financing, which is why many owners want to know how to refinance a merchant cash advance. To refinance a merchant cash advance, you need to determine how much you owe, check your credit, and find another loan product for which you qualify. 1. Determine the…
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