#financing
Business financing options and funding strategies
The June 2026 dot plot moved the median end-of-year Fed funds projection from 3.4% to 3.8%, erasing the cut many borrowers were waiting for. Here is how prime at 6.75% flows into SBA 7(a), term loan, and line-of-credit pricing, when to lock fixed versus float variable, and the debt-schedule bookkeeping that gets you quoted 0.5%-1.0% lower.
Build business credit from scratch with net-30 vendor accounts that report to Dun & Bradstreet, Experian Business, and Equifax. Get your free D-U-N-S Number, enforce NAP consistency, and follow a 90-day plan to a scorable PAYDEX and Intelliscore.
About $875 billion in CRE loans mature in 2026. Learn what the maturity wall means for small landlords, how higher rates and lower valuations create an equity gap, and a 9-to-12-month checklist to prepare your refinance.
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.
On July 4, 2026, the SBA doubled its combined 7(a)/504 borrowing ceiling from $5 million to $10 million. This guide explains how the stacking works, which limits stayed in place, and the loan-tracking bookkeeping a $10 million capital structure demands.
Business credit is not one score but three bureaus plus FICO SBSS. Learn how PAYDEX, Intelliscore Plus, and Equifax Risk scores work, why the SBA sunset the mandatory SBSS for 7(a) small loans on March 1, 2026, and how to build all three profiles before you apply.
FOMC voted 12–0 June 17 2026 to hold fed funds at 3.5–3.75% and IORB at 3.65% — no 2026 cuts projected, five reform task forces launched.
77% of small business bank loan applications are rejected — 5 nonbank alternatives (Accion, fintech, CDFIs) with faster funding but higher disclosure and cost trade-offs.
California, New York, Utah, Florida and more now require cost disclosures for commercial loans, MCA and factoring — what triggers disclosure and how to comply.
The SBA retired FICO SBSS for 7(a) loans under $350K as of March 2026, making Debt Service Coverage Ratio the primary approval metric—learn how to prepare with accurate financials and bookkeeping.
The SBA's new Made in America Loan Guarantee offers eligible small manufacturers up to $5 million with a 90% federal guarantee and waived fees in FY 2026—the highest guarantee rate ever extended to small manufacturers.
As of March 1, 2026, SBA 7(a), 504, and microloan applicants must be 100% owned by U.S. citizens or nationals — green card holders are excluded from any direct or indirect ownership stake. Existing loans are grandfathered; new applicants with a permanent resident anywhere in the ownership chain must turn to CDFIs, state loan programs, or USDA B&I financing instead.
