#debt-management
Debt Management
Debt management strategies and payoff planning
Медицински дълг и вашият кредитен отчет през 2026 г.: Какво означава отменената федерална забрана и какви защити все още важат
Националната забрана за отчитане на медицински дълг на CFPB беше отменена през юли 2025 г., но реформите на трите бюра все още премахват платени колекции, неплатен дълг под 500 долара и дълг, по-малък от година, а поне 15 щата запазват свои собствени ограничения.
Повишаването на лихвите от Фед отново е на масата: Какво трябва да направят собствениците на малък бизнес с кредити с променлива лихва и SBA финансиране преди следващото заседание на FOMC
Потенциално повишение на лихвите от Фед през 2026 г. би повишило първичната лихва и SOFR в рамките на дни, увеличавайки плащанията по кредитни линии, карти и SBA 7(a) заеми с променлива лихва. Научете кои кредити се оскъпяват първи, как да направите стрес тест при +50 базисни пункта и какво да фиксирате преди следващото заседание на FOMC.
Фалитите на малкия бизнес достигнаха десетилетен връх: защо заявленията по Подглава V скочиха със 67% и какво означава битката за лимита на дълга от $7,5 милиона за вас
Бизнес фалитите достигнаха 24 737 заявления за годината до декември 2025 г., а случаите по Подглава V скочиха с около 67% на годишна база през януари 2026 г. Това ръководство обяснява защо заявленията растат, как Подглава V се различава от традиционната Глава 11, какво означава битката за лимита на дълга от $7,5 милиона срещу $3 милиона за допустимостта и петцифреното табло, което разкрива проблеми месеци преди подаване на заявление.
The $875 Billion Maturity Wall: A Small Business Guide to Refinancing Commercial Real Estate in 2026
Roughly $875 billion in commercial real estate loans mature in 2026 — about 17% of all outstanding commercial mortgage debt — with rates 150-250 basis points above origination. A practical guide for owner-occupiers and tenants, covering the financing gap, DSCR targets of 1.20x-1.35x, SBA 504/7(a) options, and a nine-month refinancing timeline.
Asset Coverage Ratio: The Solvency Number Lenders Check Before You Ever See a Term Sheet
The asset coverage ratio measures whether tangible assets could repay total debt in a liquidation — [(total assets − intangibles) − (current liabilities − short-term debt)] ÷ total debt. Below 1.0 is a red flag, 2.0 is a common healthy benchmark, and lenders often write a minimum ACR into loan covenants that can trigger technical default.
Net Debt to EBITDA: The Leverage Ratio That Decides Your Business Loan
Net debt to EBITDA measures how many years of operating cash flow it would take to repay your debt. Lenders typically cap leverage covenants at 3.0x–4.5x, read below 2.0x as strong, and flag anything above 6.0x — here's how to calculate yours in ten minutes and avoid the mistakes that distort it.
Panacea Financial and the Rise of Physician Banking: What Doctor-Focused Lending Teaches Anyone With Unusual Income
84% of medical student borrowers owe $100,000+ and residents earn $60,000–$70,000 while their debt suggests far more — a gap Panacea Financial, a physician-founded division of Primis Bank, underwrites around with no-cosigner PRN loans, refinancing, and practice financing. What niche banking gains, what it gives up, and why the 2026 Grad PLUS elimination changes the math.
The Yellowstone Capital Settlement: What $534 Million in Canceled MCA Debt Teaches Small Businesses
New York's $1.065 billion settlement with Yellowstone Capital canceled $534 million in small-business MCA debt for over 18,000 merchants — but canceled debt is generally taxable income unless you can claim an exclusion like insolvency, so here's how to spot an illegal MCA and get your books ready.
The Rule of 72: The Mental-Math Shortcut Every Business Owner Should Use Before Investing Retained Earnings
Divide 72 by an annual rate and you get the approximate years for money to double: $50,000 at 9% doubles in 8 years, while a 24% credit card balance doubles what you owe in 3. How business owners can use the Rule of 72 to compare investments, price debt, and gauge inflation's drag on idle cash.
Debt Service Coverage Ratio (DSCR) Explained: The Number That Decides Your Business Loan
DSCR equals net operating income divided by total debt service. Most conventional lenders require at least 1.25, SBA programs 1.1 to 1.25, and a ratio below 1.0 is an automatic decline. Here is how to calculate yours, the mistakes that sink applications, and how to improve a weak ratio before you apply.
The Rule of 78: Why Paying Off an Equipment Loan Early Saves Less Than You Think
The Rule of 78 front-loads loan interest so a lender on a 48-month, $8,000-interest equipment loan has earned about 74% of that interest by month 24 — gutting the savings from early payoff. Here's how precomputed loans work, where they're still legal under 15 U.S.C. § 1615, and how to spot one before you sign.
Times Interest Earned Ratio Explained: The Number Lenders Check First
The times interest earned (TIE) ratio — EBIT divided by interest expense — tells lenders how many times over your operating earnings cover your interest bill. Most lenders want at least 2.5–3.0; below 1.5 signals high default risk. Here's how to calculate it, where it falls short, and how to improve it before a loan application.