Recent Posts in SBA

  • 25-Sep-2018

    Small Business Growth And Profit Margins

    The US economy is growing, and Small businesses are reaping the benefits. Financial data shows revenue growth of 6% between 2016 and 2017. Small Businesses are getting more profitable too. Net profit margins of 8.4% were almost a full percent higher ...
  • 28-Aug-2018

    Pros and Cons of Financing Through SBA Loans

    Although the community advantage program is a welcome alternative for entrepreneurs seeking local business loans, this isn’t the best funding option for every business. Let’s take a look at the benefits and the drawbacks of applying for ...
  • 24-Jul-2017

    You Don't Need to Start A Business - Buy A Small Business From A Retiring Owner

    The California Association of Business Brokers estimated that retiring Baby Boomers will sell or leave to their beneficiaries $10 trillion worth of assets over the next two decades [1] . These assets are in more than 12 million privately owned ...
  • 25-May-2017

    FED Raising Interest Rates: How This Affects Small Businesses

    In March 2017, the Federal Reserve raised the key interest rate from 0.75% to 1.0%, the second rate increase within a three month time period. FED officials anticipate two more increases in the interest rate before the end of 2017, with the goal of ...
  • 10-Apr-2017

    How Much Financing Can Your Business Afford?

    When applying for small business financing, business owners should think about how much the business can afford to repay. It is important not to stress cash flow. The Cash Flow Coverage Ratio can help determine a responsible funding amount. Cash Flow ...
  • 8-Dec-2016

    Calculating Personal Credit Score

    Credit scores use data from an individual’s credit profile to classify the individual’s ability to pay back debt. Credit scores are used in almost every lending decision. This blog will look into what categories are used to calculate a ...
  • 29-Aug-2016

    How Lenders Evaluate Time In Business

    Statistics show that 50% of businesses fail before reaching the five-year mark. Traditional banks are risk averse and typically err on the side of caution, avoiding loans to businesses less than five years old. In the eyes of a lender, young ...
  • 24-Jun-2016

    What Small Business Lenders Look For.

    A General Guide to SBA Lenders Underwriting Criteria When applying for an SBA loan, there are a number of factors creditors look for to determine your companies’ ability to payback debt. Payment History and Cash Flow One of the most important ...