4 tagged with "Business Loans"
Explore business loan options, rates, and financing strategies
Loan Covenants for Small Business Borrowers: How DSCR, FCCR, and Tangible Net Worth Decide When a Performing Loan Can Be Called
Loan covenants—DSCR, fixed charge coverage, tangible net worth, and leverage limits—can put a small business borrower in default while every payment is current. A practical breakdown of affirmative, negative, and financial covenants, cure periods, waiver requests, and what to negotiate before signing a credit agreement.
Customer Concentration Risk: The 10% Rule That Quietly Drains Valuation, Credit, and Leverage
Customer concentration above 10% triggers GAAP disclosure, and concentrations above 30% can knock 20–35% off a sale price and shrink bank advance rates. Where the danger thresholds sit, how lenders and acquirers price the risk, and how to diversify revenue before it costs you.
UCC Filings Explained: How Stale Liens Block Your Next Business Loan
A UCC-1 financing statement lasts five years and can block future financing if a lender forgets to file a UCC-3 termination after payoff. This guide covers specific vs. blanket liens, how to search your state's records, and how to force a termination under Article 9.
Understanding Loan Amortization: How to Calculate and Track Your Business Loan Payments
Learn how loan amortization works, how to calculate your monthly payments, read an amortization schedule, and choose the right loan structure for your small business. Includes current 2026 rates and practical examples.