Short-term business loans are a relatively recent addition to a merchant’s arsenal of business loan options. Introduced in the last decade or so, short-term loans are similar to traditional installment loans, but fees are calculated a little differently.
Online loans make it fast and easy to fund your small business. For business owners with bad credit or who haven’t been in operation very long, obtaining a loan from a traditional bank is very difficult; non-traditional lending institutions can be a godsend for these borrowers. Unfortunately, certain online loan companies take advantage of cash-strapped startups […]
The Small Business Administration (SBA) provides a number of loan programs designed to help small businesses grow. SBA loans are known for having some of the lowest interest rates available. We’ll explain the rates for three of the SBA’s most popular loan programs: 7(a) Loans (business loans for most general business purposes), CDC/504 Loans (business loans to finance real estate and other fixed assets), and Disaster Loans (loans to rebuild following a disaster).
Business credit cards offer a variety of enticing perks to companies that use them skillfully. But with those tempting rewards come a unique battery of risks that can catch unprepared businesses off guard. Here are some of the risks that come with using business credit cards… Interest Rates The most obvious risk you take when […]
If you need business financing, an installment loan is probably the first type of loan you think of. As some of the most common and straightforward type of loans available, installment loans are a popular type of business financing. Also commonly referred to as term loans, installment loans can be useful for many business financing needs—from […]
A merchant cash advance is a sales agreement where the merchant (the “seller”) is selling their future revenue at a discount to the merchant cash advance company (the “buyer”). Because merchant cash advances are sales agreements, they generally aren’t covered by usury laws that govern loans. This is where they get their dubious reputation. The effective APRs of merchant cash advances can easily crawl into the triple digits.
One of the biggest perks offered by business credit cards, other than convenience, is rewards. Gamed correctly, business credit card rewards can be a way to save money on your biggest expenses. Not sure which rewards are right for your business? Wondering what kinds of expenses to use your card on? Not even sure what’s […]
Business credit cards offer one of the most convenient ways for your company to borrow money for goods and services without having to have your purchases scrutinized by a lending institution. Best of all, the revolving credit offered by your card means that as long as you pay off your card on a regular basis, […]
Monetizing your work online has long been a challenge. Let’s look at the several other good options for raising money from the public to support what you do.
Affirm boasts that it can boost the average order value (AOV) customers spend when they’re shopping at your store by giving them a way to purchase your products with credit, but at a (potentially) lower cost than they would with a credit card. Affirm lets business customers to design a custom program, allowing you to influence the APR (0%-30%) and term lengths (up to 36 months) of the loan your customers will be offered at the point of sale. Payment is settled within one business day. Read on for more information about using Affirm.
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