#funding
Funding options and financial planning for growth
As of July 4, 2026, the SBA has decoupled its 7(a) and 504 loan programs, replacing their shared $5 million cap with independent $5 million limits each — giving qualifying small businesses access to up to $10 million in combined SBA-guaranteed financing.
The 43-day 2025 federal shutdown froze $5.3 billion in SBA-guaranteed loans for roughly 10,000 small businesses; pre-arranged bridge financing and a 30/45/60-day cash forecast are the practical ways to keep operating while an SBA closing sits in the queue.
Purchase order financing pays your supplier directly to fulfill a large customer order, typically costing 1-6% of supplier costs per 30-day period (roughly 20-60% effective APR), and is best suited for resellers with 20%+ gross margins and orders above $100,000.
SBIR and STTR awards are cost-reimbursable federal funding governed by FAR 31.205 and 2 CFR 200 — DOE now caps indirect costs at 15% of total award value, NIH has tightened its F&A allowance, and undocumented labor costs are the most common clawback trigger.
Black-owned businesses face a 39% loan denial rate versus 18% for white-owned firms. This guide covers every major minority business loan program—SBA 7(a), Community Advantage, CDFIs, MBDA, and more—plus eligibility requirements and strategies to improve your approval odds.
Learn what burn rate is, how to calculate gross and net burn rate, and why this metric is critical for startups and small businesses. Includes formulas, stage-by-stage benchmarks, common mistakes, and strategies to extend your cash runway.
Understanding the various financing options available for small businesses is crucial for entrepreneurs. This guide covers everything from bootstrapping to venture capital, helping you make informed decisions about funding your business.
Navigate the complex landscape of small business financing with this comprehensive guide. Learn about various funding options, how to select the best one for your needs, and avoid common pitfalls that lead to loan application rejections.
Learn the essentials of raising angel investment for your startup, including how angel investors operate and the impact of their funding on early-stage companies.
Navigate the complex landscape of small business funding with this comprehensive guide, detailing various options like grants, loans, and crowdfunding, and helping entrepreneurs choose the best path for their financial needs.
Learn the essential methods for accurately calculating your PPP loan amount to ensure you maximize your relief funds and prepare for future audits. This guide covers calculation basics, common pitfalls, and best practices for small business owners.
Learn how to convert your Paycheck Protection Program (PPP) loan into a grant with this comprehensive guide. Understand eligibility requirements and avoid common pitfalls to ensure your loan is forgiven.
