Knowing which questions to ask when buying a business will help you pay the right price for the business, and help you prepare to run the business after you close on the transaction. Typically, this means going through a five-step process that will help you determine which questions to ask when buying a business and…
All Financing Articles - Page 22
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Hotel Financing: Loans to Build, Buy, Renovate, or Refinance
Hotel financing can be used to build, buy, renovate, or refinance a hotel or motel. The four main types of hotel loans are SBA 7a loans, SBA 504 loans, USDA B&I loans, and conventional bank loans. You can typically see rates for hotel financing between 5-9%, with repayment terms up to 25 years. SmartBiz is…
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Self Storage Loans: The Ultimate Guide to Self Storage Financing
Self storage loans are typically used to finance the purchase, renovation, or new construction of self storage units and commercial real estate buildings. The three most popular self storage loans are conventional bank loans, SBA 7a loans for commercial real estate, and SBA 504 loans. Other alternative loan options exist, but typically are more short…
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Mixed Use Loans: The Ultimate Guide on Financing a Mixed Use Building
Mixed use loans help business owners and real estate investors finance mixed use buildings. Mixed use buildings that qualify for financing typically have multiple units zoned for different uses, such as residential, commercial, industrial, cultural or institutional. Mixed use loans can be both short-term and permanent with terms that range from 6 months to 30…
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Small Business Debt Relief: Consolidation Loans and 5 Other Option
Small business debt relief can come from loan consolidation, expense reduction, or from renegotiating your current terms. Obtaining a consolidation loan may be your best long term debt relief option if you can wait long enough for the right loan. Consolidating or refinancing your business debt can result in lower APR, longer repayment terms, and…
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Business Line of Credit: What It Is, Where to Get One, & More
A small business line of credit (LOC) allows you to draw against a predetermined credit limit, as you need it, instead of receiving the full loan amount at one time like a term loan. The biggest advantage of a business credit line is that you only pay interest on the funds you actually draw. OnDeck,…
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Owner Financing: The Ultimate Guide to Seller Financing
Owner financing is a financing arrangement in which the seller agrees to accept installment payments directly from the buyer rather than having the buyer obtain a loan from a bank. Owner financing is a useful tool that provides buyers with easier qualification and repayment terms than a traditional mortgage while providing sellers with monthly income….
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….
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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….
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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….
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The Quick Ratio: Formula, What It Is, and How to Calculate It
The quick ratio, also known as acid test ratio, measures the liquidity of a company. It calculates the proportion of a company’s current assets to its current liabilities. The quick ratio is used to determine a company’s ability to meet short-term obligations with liquid assets that can be easily converted into cash. The quick ratio…
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Cryptocurrency & How It’s Impacting Small Businesses
Cryptocurrency is a digital currency or asset that relies on encryption technology to transfer value over the Internet. Cryptocurrencies like Bitcoin operate independently of a banking system and can be used in many countries as a store or exchange of value like cash. The most common use of cryptocurrency is buying and selling goods and…
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