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Erica Seppala

Editor & Senior Staff Writer

Expertise: Accounting, QuickBooks, Payroll, Business Funding, POS

Education: AA Liberal Studies, Limestone University

Erica began writing on small business topics in 2008. She joined Merchant Maverick in 2018 and focuses on loans, accounting, and POS. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll. She has been cited in MSN, Reader’s Digest, Vox, U.S. News & World Report, and Real Simple. She is a graduate of Limestone University and resides in Greenville, South Carolina.

Merchant Maverick Archives for Erica Seppala | Page 10

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American Express Working Capital Terms Review

American Express Working Capital Terms provide short-term and medium-term loans to American Express Business cardholders. It is a convenient and affordable way for businesses to defer payments to vendors for up to three months. If you’re not careful, the lump sum transaction at the end of your term could wreak some havoc on your finances.

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Sep 27, 2023 Filed under: Small Business Loan Reviews

How To Apply For An SBA Loan: A Complete Guide

If you have questions about completing your loan application, you can always ask your SBA-approved lender. If you haven’t yet found a lender to work with, SCORE is a great resource. This nonprofit organization provides resources and services including free business mentors that can help you through every step of the process.

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May 2, 2023 Filed under: Business Loans, Small Business

The 3 Types Of SBA Loans Business Owners Should Know About

Small businesses represent the American Dream. A successful small business doesn’t translate to success for just one person — small businesses fuel local economies and provide jobs. When small businesses have the chance to grow and thrive, everybody wins. And that’s why organizations like the Small Business Administration exist. The Small Business Administration, or SBA, […]

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Feb 27, 2020 Filed under: Business Loans, Small Business

The Ultimate Guide to SBA 504 Loans

Getting an SBA 504 loan can be a lengthy and difficult process. Borrowers must find a CDC and private lender willing to fund their loans, as well as meet the requirements of the SBA and lenders. This includes having enough revenue to repay the loan, a solid credit score, and an eligible project to be funded.

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May 22, 2023 Filed under: Business Loans

SBA Loans Explained: Everything You Need To Know

The SBA offers a variety of loan programs that vary according to business needs. Its flagship program is the 7(a) loan program, which offers loans for most general business purposes. However, it also offers special programs such as microloans and disaster loans. Find out more about SBA loans, including who qualifies.

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May 4, 2023 Filed under: Business Loans
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The Ultimate Guide To SBA Microloans

As a small business owner, you know the importance of financing to expand your business or start your next project. While there are many options available to provide you with the capital you need to start a new business or grow an existing business, one of the best options is a loan through the Small Business Administration.

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Jun 5, 2023 Filed under: Business Loans