Get funding for your business. Understand SBA loans, lines of credit, grants, and alternative funding options for your small business.
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Model total cost beyond the factor rate Merchant cash advances quote a payback multiple, such as 1.35x the advance, rather than an interest rate. Convert the multiple into an annualized rate based on …
Pull full credit files from all bureaus Lenders often check personal credit when underwriting small business debt. Order reports from Experian, …
Define the structure before uploading Create a folder hierarchy that mirrors lender requests: corporate, financials, tax, customers, suppliers, legal, …
Start with economic development priorities States design grants to drive specific outcomes: job creation, downtown revitalization, manufacturing …
Clarify objectives and constraints Start by defining whether the priority is cash speed, total cost, or relationship impact. Factoring sells invoices …
Clean the chart of accounts A lender will scan your chart of accounts to see whether income and expenses are categorized consistently. Consolidate …
Define the strategic purpose Venture debt can extend runway, finance equipment, or provide cushion between equity rounds. Clarify the purpose before …
Start with cash flow volatility mapping Owners with uneven cash flow need funding that matches revenue timing. Start by charting twelve months of …
Understand the cost math Revenue based financing promises fast access to capital with payments tied to revenue. The headline multiple often looks …
Map cash conversion cycles Working capital is a timing exercise: how long cash leaves the business before it returns. Start by mapping the cash …
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