Speritas Articles & Blog Posts: Financing & SBA Lending
Speritas Commercial Financing Articles
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What is an Equity Injection and What Funding Sources Can You Use to Meet SBA Requirements for a Business Acquisition?
You need funding that helps, not hurts, your business. Here’s how to review and negotiate your loan covenants before you sign.
Look beyond traditional loans when buying a franchise. Here are three creative approaches to financing your new franchise.
Demand is huge, but market saturation and under-capitalization have led to some recent high profile closures in the craft brewing industry. Here’s how to finance strategically.
Green building is both good for the environment, and for increasing the financing options for your commercial real estate projects using PACE/C-PACE financing.
For lender discussions we advise our clients to focus on the "3 P's" of the loan pitch process - Prepare, Package and Present.
If you’re growing fast and lack of cash is hurting your business, consider asset based lending. Here’s a beginner’s guide to the pros and cons of ABL.
During a crisis like COVID 19 you should focus on 3 critical financing strategies to stay afloat: Cash flow Management | City, State & Federal Support | Lender Relationships.
Are you REALLY ready to start a Craft Brewery? Consider these 9 critical steps, and avoid costly mistakes.
If you are a high growth business and were recently turned down for a loan by your bank, here’s why an alternative lender or nonbank lender would fund your growth.
So how does a technology business prepare for scale up financing? Here are 5 key strategies for strong and controlled growth.
Finding the right lenders for your financing needs takes a lot of time and effort. That’s why many businesses consult a commercial loan broker to find funding.
How can strong liquidity forecasting and liquidity contingency planning help your business survive? Creating a cash flow forecast is critical for lenders, AND helps you plan for liquidity events.
There are many advantages to using Accounts Receivable financing to fund your company’s growth, but there are also some perceived cons. Let’s dig in!
Anchored by the Yale New Haven Health System, the medical school & entrepreneurial centers at Yale University, New Haven is a mecca of healthcare business innovation and growth center.
Big businesses may seem to form the bedrock of the US economy and wealth creation, but in reality small businesses are more important to the ‘very’ local economy.
When you’re acquiring a business or purchasing commercial real estate, a sources & uses table helps you organize all the cash inflows & outflows. Lenders (including the SBA) expect to see this.
Why should small businesses consider SBA 7a and 504 loans as an option for their equipment financing needs? SBA loans offer lower costs, longer maturities and higher leverage.
