Intrepid Private Capital Group Financial News Blog

Intrepid Private Capital Group

Why You Shouldn’t Use a Home Equity Line of Credit (HELOC) for Business Financing

If your business needs additional capital to cover its operational costs, you may assume that a home equity line of credit (HELOC) is a smart choice. After all, it will allow you to tap into your home’s equity. You can use your home’s equity to secure a HELOC. You can then use this line of…

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The Beginner’s Guide to Invoice Discounting

If your business uses invoices to collect payments from customers, you may want to use invoice discounting as a financing solution. It’s not the same as a traditional loan. While invoice discounting does, in fact, involve borrowing money from a lender, it leverages unpaid invoices. You can tap into your business’s unpaid invoices to raise…

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An Introduction to Management Buyouts: What You Should Know

Ownership in business often changes. Even if a business was originally founded by a single person, it may have a dozen or more owners later down the road. Managers, in fact, can become owners. Management buyout allows managers to become owners. If you’re the manager of a business, you may want to execute a management…

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Asset-Based vs Cash-Based Lending: What’s the Difference?

There are different types of loans that you can use to finance your business, most of which fall under the category of asset-based or cash-based lending. Whether you’re looking to launch a new line of products, open a new branch, upgrade equipment or simply cover operational expenses, you may need capital. Fortunately, there are lenders…

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5 Benefits of Accounts Receivable Financing

Accounts receivable financing has become a popular alternative to traditional business loans. It allows businesses to leverage their outstanding invoices for financing. You can use your business’s outstanding invoices to secure accounts receivable financing. The lender will loan you money based on the value of these invoices, and you can use this money to grow…

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What Is a Balloon Loan and How Does it Work?

Not all business loans are fully amortized in equal payments. Whether you obtain a loan from a bank or alternative lender, you’ll typically have to make monthly payments on it. Some loans, though, support small payments initially, followed by a large payment at the end of the term. Known as balloon loans, they are commonly…

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The Dos and Don’ts of Creating a Pitch Deck

Financing can make or break your startup. It takes new businesses several years on average to turn a profit. With financing, you can keep your startup afloat while allowing it to grow into a successful, profitable business. Financing, of course, often requires pitching your startup to an investor. Rather than performing an elevator pitch, you…

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The Importance of Financing for Startups

When starting a business, you can’t ignore the importance of financing. Research shows that nearly one-third of all startups will fail within two years. As time progresses, the failure rate increases. You can lower your startup’s chance of failure, though, by securing financing. All businesses can benefit from financing, but financing is particularly important for…

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The Beginner’s Guide to Debt-to-Equity Ratio

Have you heard of debt-to-equity ratio? Not to be confused with loan-to-value (LTV) ratio, it represents financing sources. You can finance your business, of course, with debt and equity. Assuming you use both types of financing, you may want to calculate your business’s debt-to-equity ratio. It will provide you with a better understanding of how…

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What Affects Interest Rates for Business Loans?

You can’t choose the right business loan for your venture without considering the interest rate. When lending money, banks and other financial institutions will typically charge interest. The annual percentage rate (APR) represents the cost of this interest per year. Some business loans have an APR of 10%, whereas others have an APR of 20%…

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5 Common Mistakes to Avoid When Pitching Your Startup to Investors

Coming up with an idea for a successful business is only the beginning of your journey. To turn this vision into a reality, you’ll need to secure capital. While there are venture capitalists and angel investors who specifically seek to invest in startups, you’ll need to have a compelling pitch. If you make any of…

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Merchant Cash Advance vs Factoring: What’s the Difference?

There are other ways to finance your business besides taking out a loan. A few alternative forms of financing, for instance, include a merchant cash advance and factoring. Whether you need extra capital to expand your business into a new market or simply continue its operations, you may want to choose one of these alternative…

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