Skip to main content
Beancount.io Logo

#financing

Financing

Business financing options and funding strategies

96 postsView all tagsBack to All Posts

Turned Down for a Bank Loan? Your State Might Guarantee It Through SSBCI

The State Small Business Credit Initiative routes nearly $10 billion in federal money into state loan guarantee, collateral support, loan participation, capital access and venture programs delivered through local banks, with a $20 million loan cap and a 750-employee ceiling. This guide covers who qualifies, how SSBCI differs from SBA 7(a), the no-stacking rule, and the five steps to get a participating lender to enroll your loan.

mike

small-business-loansfinancingsba-loans

Revenue-Based Financing vs. Merchant Cash Advance: What You're Really Paying and How to Keep the Books Clean

A $50,000 advance at 1.30x costs $15,000 either way — but repaid over 20 months at 8% of revenue it annualizes near 18%, while the same fee via $400 daily debits over 7 months behaves like 80%+ APR. Learn how to convert factor rates to comparable APRs, when RBF vs. MCA fits, and the liability and processor-reconciliation entries that keep your books honest.

mike

revenue-based-financingmerchant-cash-advancefinancing

DSCR Loans, Explained: Qualify for Rental Property Financing on the Property's Cash Flow, Not Your W-2

A DSCR loan approves an investment property on its rental income instead of the borrower's tax returns — monthly rent divided by PITIA, with approvals typically near a 1.0 ratio, rates around 6.5%–8%, 20–30% down, and 3–6 months of reserves. Here is the math lenders run, what the loan costs, and the per-property records that decide the refinance.

mike

loansreal-estatefinancing
Start Free→Documentation