Author: BusinessMoney.broker

Advantages of deliberately building business credit (PAYDEX, Experian Business, FICO SBSS) instead of relying on personal credit: Bottom line: business credit turns your company into a borrowable asset—you get lower cost capital, higher limits, zero PG, and faster growth, all while shielding your personal balance sheet.

Short answer: It’s hard, but not impossible—expect higher rates, more paperwork, and personal guarantees, unless you build bankability signals first. 1. Bank reality check 2. Fast-money lane 3. Fintech hybrid 4. Free/low-cost boost 5. Practical path BusinessMoney.broker Bottom line: expect expensive or slow money at first; treat early facilities as credit-building tools, not permanent solutions.…

Hard-numbers snapshot: why running out of cash / working capital knocks companies flat Statistic Source Year 82% of small-business failures trace back to poor cash-flow management or working-capital shortfalls. U.S. Bank / SCORE meta-study 2024 38% of start-ups that die explicitly say “we ran out of cash” in post-mortem surveys. CB Insights 2025 One in…

Adequate working capital is the cash buffer that lets you survive the lag between spending cash and getting cash back.When it’s big enough you don’t trip the two land-mines that kill 82 % of small-business bankruptcies: Here in is an example of business failure due to lack of working capital: Scenario – “Tri-State Promotions” (custom…

DSCR = Net Operating Income ÷ Total Debt Service(Debt Service = principal + interest + lease payments due in the period) Why lenders obsess over it Keep DSCR ≥1.25 and you keep cheap, covenant-light, scale-able capital in your hip pocket; let it drift below 1.0 and every door except expensive rescue capital slams shut.

Pick BusinessMoney.broker when you want AI-matched, pre-approved offers AND a built-in credit-upgrade roadmap; stick with Lendio if you merely want to window-shop 75+ lenders and handle the paperwork yourself. What you get BusinessMoney.broker Lendio Credit building engine YES – platform shows exact steps (trade-lines, utilization, reporting gaps) to move from “fundable” to bankable tier; updates…

“Fundable” means you can convince someone to cut a check—friends, angels, crowdfunding, factoring, whatever.“Bankable” means a regulated lender will give you low-cost, long-term, covenant-light money while you sleep. Bankable beats fundable because: Stay fundable for seed; become bankable for scale.

Because leverage lets you own the upside of more assets than you could buy with cash alone, while the downside is capped at the equity you put in.In one sentence: you control 100 % of the growth on someone else’s dime. Key math: Extra kicker: the interest is tax-deductible, so the after-cost spread is even…

Use the loan to buy or build income-producing assets that grow faster than the interest you pay—then sweep the spread into personal equity.Five moves, zero fluff: Do these five in order and every loan dollar becomes a mini-employee that works twice—once inside the business, once inside your net-worth column.