Form 4506-T and 4506-C: IRS Tax Transcripts for Mortgage and SBA Lending
A practical breakdown of Form 4506-T, Form 4506-C, Form 8821, and the five IRS transcript types — what mortgage and SBA lenders need before first disbursement, and how borrowers can avoid identity holds, name mismatches, and no-record errors that stall closings.
Coronavirus Relief Bills: A Small Business Guide to PPP, ERC, and EIDL Taxes
How the CARES Act, Consolidated Appropriations Act, and American Rescue Plan reshaped small business taxes—covering PPP forgiveness, the Employee Retention Credit, EIDL loans, deferred payroll taxes, and the April 15, 2025 deadline for 2021 ERC claims.
IRS Form 8821 Explained: How to Authorize Tax Information Access Without Giving Up Control
Form 8821 grants read-only access to your IRS tax information for lenders, accountants, and verifiers. Learn how it differs from Form 2848, when to use it, how to complete each of its six sections, the 120-day signature rule, and how to revoke it.
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.
Top Minority Small Business Loans to Consider in 2025
A founder-focused guide to nine financing options built for minority-owned businesses in 2025, complete with qualification tips and Beancount workflows to stay lender-ready.
The Very Best Small Business Loans [2025]
Navigating the small business loan landscape in 2025 requires understanding your specific needs and matching them to the right financing options. This guide outlines the best loans available, including SBA loans, lines of credit, and more, tailored to various business situations.