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Business Planning

Fixed vs Variable Rates for Small Business Loans in 2026: Pros, Cons & Risk 

Choosing between a fixed interest rate and a variable interest rate is one of the most consequential decisions a small business owner can make when evaluating business financing rates. The rate type you choose doesn’t just affect how much interest you pay—it shapes cash flow stability, risk exposure, and long-term planning.  This guide breaks down fixed vs…

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Loan-Ready in 90 Days: A Step-by-Step Business Funding Readiness Plan

Getting your business ready for funding doesn’t have to be overwhelming. With a clear plan and consistent effort, most small businesses can achieve business loan readiness in just 90 days. This guide walks you through a structured approach to prepare for a business loan, improve approval odds, and position your company for long-term financing success.  For step-by-step guidance on preparing…

Fast Funding Without the Trap: Alternatives to Merchant Cash Advance

Why Small Businesses Seek Quick Funding Options When cash flow tightens, payroll is due, or a new opportunity can’t wait, small business owners often turn to quick business loans to bridge the gap. In moments like these, speed matters, but so does sustainability. While there are many options for fast funding for small businesses, not…

How to Prepare for Underwriting: Documents & Tips to Speed Your Term Loan Decision

Whether you’re expanding operations, purchasing equipment, or strengthening cash flow, applying for a small business loan is an exciting step toward growth. But between submitting your application and receiving funds lies a crucial step that can make or break your approval timeline: underwriting. At its core, underwriting is how lenders assess the risk and readiness…