Can't Make Your Loan Payments? How Business Loan Forbearance Works (and What It Costs You)
Business loan forbearance pauses payments for 3–6 months, but interest accrues and skipped amounts come due after — ask your lender before you miss one.
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Sba Loans
SBA loan programs, requirements, and applications
Business Line of Credit vs. Term Loan: How to Choose the Right Financing in 2026
A line of credit charges interest only on what you draw; a term loan charges it on the full sum from day one. Use lines for cash gaps, loans for assets.
Business Loan Prepayment Penalties: Why Paying Off Early Can Still Cost You Thousands
SBA 7(a) loans charge 5/3/1% only on 15-year-plus terms prepaid within 3 years, while 504 penalties run 10 years — run the breakeven before paying off early.
Surf School Off-Season Financing: Loans, Lines of Credit, and Cash-Flow Tactics
A surf school's closed months still cost $3,000–$8,000 each. Size the trough first, then cover it with a revolving line or SBA Seasonal CAPLine, not an MCA.
Can You Sell a Business With an SBA Loan? Payoff, Short Sale, or Assumption
Yes — with lender approval. Pay off your SBA loan from sale proceeds, negotiate a short sale, or transfer it via buyer assumption.
Compilation, Review, or Audit: Which Financial Statement Service Does Your Bank Loan Actually Require?
Compilations format numbers with zero assurance, reviews add limited assurance, audits test them — match the service to your loan covenant before you pay.
The IRS Is Comparing Your PPP and EIDL Applications to Your Tax Returns: What the $200 Billion Referral Means for Legitimate Borrowers
The IRS is matching PPP and EIDL applications against filed tax returns. Reconcile 941s, amendments and revenue now — the fraud window runs ten years.
SBA SOP 50 10 8.1 Takes Effect October 1: What the New Change-of-Ownership Rules Mean for Buyers and Sellers
SBA SOP 50 10 8.1 raises acquisition DSCR to 1.25x on historical cash flow, mandates QoE at $3M+, and caps minority equity—effective October 1, 2026.
SBA Express Loans, Explained: $500,000 With a 36-Hour SBA Turnaround
SBA Express lends up to $500,000 with a 36-hour SBA response and a 50% guarantee — faster than standard 7(a), but lenders set a higher credit bar.
The Fed Just Hiked Rates for the First Time Since 2023: What 3.75–4% Means for Your Business Borrowing
The Fed raised rates to 3.75–4% on Sept 16, 2026 and prime hit 7.00% the next day: every prime-plus business line, SBA 7(a) loan and card reprices now.
The SBA Wants to Rewrite Who Counts as "Small" — and You Have Until September 21 to Weigh In
SBA's proposed rule cuts 995 size standards to 338, raises some thresholds tenfold and makes ~114,000 more firms 'small'; comments close September 21, 2026.
The Three Liquidity Ratios Lenders Check Before Approving Your Loan
Lenders judge a loan application on three numbers — current ratio (1.5+ adequate, under 1.0 a red flag), quick ratio above 1.0, and a DSCR of at least 1.15x for SBA 7(a) and 504 loans.