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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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…

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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…

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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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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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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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Business Loan vs Credit Card: Which Financing Method Is Best?

Is lack of capital restricting your business’s growth? All businesses need capital to grow. When seeking capital, though, you might be wondering whether to choose a loan or credit card. Loans and credit cards are financing solutions. While you can use either of them to grow your business, they aren’t the same Business Loan vs…

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What Is Follow-On Funding? Here’s What You Should Know

A single round of funding probably won’t suffice. Most businesses go through multiple rounds of funding. Startups, for instance, typically go through four rounds of funding, including Seed, Series A, Series B and Series C. While you can seek funding from a variety of different sources, you may want to look at your business’s existing…

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5 Benefits of Using a Bridge Loan to Finance Your Business

Bridge loans have become a popular financing solution for businesses. Also known as a “bridging loan” in the United Kingdom, it’s a short-term loan that’s designed to finance a business’s operations until the business secured long-term finances or generates a sufficient amount of capital. Bridge loans live up to their namesake by bridging gaps in…

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Promissory Note vs Personal Guarantee: What’s the Difference?

Starting, as well as growing, a business requires capital. Depending on the size of your business, you may need anywhere from $50,000 to over $1 million. While you can finance your business with a loan, you may encounter some otherwise confusing terms, such as promissory notes and personal guarantees. All lenders will require you to…

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