BlueVine is an online alternative lender that provides capital to small business owners. It offers a short-term loan, small business line of credit, and an invoice factoring facility. While the line of credit and invoice factoring facilities are great financing options, its short-term loan stands out for its same-day funding and low starting rates. BlueVine…
All Financing Articles - Page 3
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Rapid Finance Business Loans & Top Alternatives 2020
Rapid Finance offers a small business loan and merchant cash advance to borrowers with poor credit. While it has many merchant cash advance solutions, its most popular product is the short-term loan, which offers up to $500,000 in funding to small business owners. Rapid Finance is part of Quicken Loans and offers loan brokering for…
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Quick Ratio: Formula, What It Is, and How to Calculate It
The quick ratio, also known as acid test ratio, measures whether a company’s current assets are sufficient to cover its current liabilities. A quick ratio of one-to-one or higher indicates that a company can meet its current obligations without selling fixed assets or inventory, indicating positive short-term financial health. How the Quick Ratio Works The…
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FSA Loans: The Ultimate Guide
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…
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12 Best Small Business Lines of Credit 2020
Business owners use small business lines of credit (LOCs) for short-term working capital needs because they can borrow funds repeatedly. The best small business lines of credit are unsecured, meaning there is no collateral like inventory or real estate. Some of the best business LOC providers can fund up to $250,000 the same day. 12…
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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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25 Ways to Improve Cash Flow Management
Managing cash flow allows a business to have the right amount of cash at any given time. Too much cash is a lost opportunity, because the money isn’t being invested, but insufficient cash can cause major issues for a business. We consulted the top experts in cash flow management to get their tips for small…
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6 Best Invoice Factoring Companies 2020
With invoice factoring, a business can convert unpaid invoices into immediate cash through an advance of 80% to 90% of the total amount owed. We reviewed more than 25 invoice factoring companies based on 18 factors to select the six best invoice factoring providers. Each company selected earns stellar reviews from small business owners. Best…
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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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