Starting June 1, 2025, the U.S. Small Business Administration (SBA) implemented sweeping changes to its lending standards with the release of SOP 50 10 8. These revisions mark a return to more conservative underwriting practices, significantly impacting how businesses—especially startups and those seeking acquisition financing—access SBA-backed loans. Here’s what commercial...
Stop reacting to cash flow crises—start planning for growth. When it comes to funding, most business owners don’t plan to succeed—they plan to survive. They wait until they’re in a crunch, scramble for cash, and settle for whatever financing they can get. That approach isn’t just stressful—it’s costly. At US Capital Lenders,...
What’s a Bridge Loan? A Quick Fix for Cash Crunches Sometimes, businesses need money fast—like, really fast. Maybe they want to grab a great opportunity, buy equipment, or just keep things running while waiting for bigger funding to come through. That’s where a bridge loan comes in! Let’s break it down in...
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The economy is a complex machine, with many interconnected parts influencing its overall health. One key indicator of economic well-being is the employment rate. But did you know that employment rates also play a significant role in determining lending conditions? Understanding this connection can be crucial for businesses seeking financing. Low...
For many businesses, cash flow management is a persistent challenge, and when not handled well, it can impact a company’s long-term growth and stability. Even when your financial metrics are positive, you might still struggle to maintain sufficient cash flow—often due to reasons like delayed payments from large clients or...
Tips for a Successful Business Loan Application Securing a business loan can be a crucial step in your company's growth. However, the application process can be complex and competitive. Here are some key tips to increase your chances of success: 1. Prepare a Comprehensive Business Plan: A well-written business plan is essential. It...
Small businesses are the backbone of the economy, and access to capital is crucial for their growth and sustainability. SBA Express Loans stand out as a versatile and efficient choice among the many funding options available. Here's why your business should consider an SBA Express Loan, its benefits, and how...
Navigating the complexities of working capital is critical for small businesses, especially in today’s economic environment. Whether you need new equipment, financing for accounts receivable and inventory, working capital, or are planning an acquisition, understanding the challenges of accessing capital is vital.
