funds Archives - Intrepid Private Capital Group Financial News Blog

Personal vs Business Lines of Credit: What’s the Difference?

Are you thinking about applying for a line of credit? Many entrepreneurs use them to finance their businesses. It’s a form of debt financing that’s offered by banks and alternative lenders. With a line of credit, you’ll essentially have access to a revolving credit account with a fixed borrowing limit. There are personal and business…

5 Mistakes to Avoid When Seeking Private Equity Financing

Private equity financing offers an attractive alternative to debt financing. A subset of equity financing, it involves the sale of equity in a private, non-publically traded business to an investment firm. You don’t need to perform an Initial Public Offering (IPO). Even if your business is private, you can sell equity in it to an…

Do SBA Loans Require a Personal Guarantee?

Research shows that nearly one-third of all small businesses fail due to insufficient capital. If your business is running low on funds, you may want to consider a Small Business Administration (SBA) loan. Available at participating lenders, they are partially guaranteed by the SBA. They offer a convenient form of debt financing. Rather than jumping…

Understanding After Repair Value (ARV) When Investing in Real Estate

As a real estate investor, you can’t ignore the importance of after repair value (ARV). You’ll need capital to purchase homes or other properties so that you can flip them. While there are plenty of lenders out there, they may look at your ARV. Lenders often use ARV to calculate loan amounts for real estate…

Short-Term vs Long-Term Business Loans: What’s the Difference?

When seeking debt financing for your business, you may encounter short-term and long-term business loans. Business loans are often classified as short term or long term, depending on their term length. They are offered by banks as well as alternative lenders. Short-term and long-term business loans both involve borrowing money from a bank or alternative…

5 Tips on Dealing With Gatekeepers

When seeking financing for your business, you may encounter gatekeepers. Gatekeepers are advisors who work for institutional investors. If an institutional investor has little or no experience, he or she may partner with a gatekeeper. The gatekeeper will offer advice regarding which businesses are worth investing in and which ones aren’t. While you can always…

What Is Preapproved Business Loan?

Have you been offered a preapproved business loan? Many banks and other lenders offer them to their clients. Like all loans, preapproved business loans involve borrowing money. You’ll have to repay the bank or lender from which you borrowed the money. Preapproved business loans, however, are typically faster and easier to obtain than many other…

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…

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…

Public Equity vs Private Equity Financing: What’s the Difference?

You don’t have to take on debt to finance your business. While debt financing is always an option, many entrepreneurs prefer equity financing. With public equity or private equity financing, you can raise capital for your business without taking on debt. As their name suggests, they are forms of equity financing. While debt financing involves…

An Introduction to SBA Express Loans

The U.S. Small Business Administration (SBA) has an extending lending program. According to a spokesperson for the SBA, it has provided over 1.6 million loans. Not all SBA loans are the same, however. There are many different types of SBA loans, including Express. An Introduction to SBA Express Loans What Are SBA Express Loans? SBA…

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…