small business Archives - Intrepid Private Capital Group Financial News Blog

The Growing Trend of Accelerators and Incubators: What You Should Know

More and more entrepreneurs are leveraging accelerators and incubators. They enroll in one of these two programs to turn their vision of a profitable business into a reality. There are hundreds of accelerator and incubator programs throughout the world. While their features vary, they all focus on assisting and nurturing entrepreneurs. What are accelerators and…

The Beginner’s Guide to Working Capital Financing

Running a business requires capital. Regardless of what goods or services you intend to sell, you’ll need to secure capital. Research shows that small businesses spend around $40,000 during their first year of operations. With working capital financing, however, you can keep your business afloat. Working capital financing will provide you with the capital needed…

Short-Term vs Long-Term Capital Gains: What’s the Difference?

When buying and selling assets for a profit, you should be conscious of how long you hold those assets. You’ll incur capital gains on all profitable asset transactions. Not to be confused with capital losses, capital gains involve the sale of an asset for a profit. There are short-term capital gains and long-term capital gains,…

Don’t Forget Your Financial Statements When Applying for a Business Loan

Many entrepreneurs apply for a business loan, only for the lender to reject their application. Statistics, in fact, show that the approval rate for business loans offered by big banks is just 15%. Alternative lenders have a higher approval rate of 27%. Regardless, not all business loan applications are approved. If you’re planning to apply…

5 Common Myths About Factoring

Factoring has become a popular form of alternative financing for businesses. Rather than seeking a traditional business loan — or equity financing — some businesses tap into their outstanding invoices. Factoring allows businesses to turn their outstanding invoices into cash. While factoring may sound like a simple enough form of financing, though, there are a…

What’s the Difference Between a Term Loan and Demand Loan?

Millions of entrepreneurs use loans to finance their businesses. A form of debt financing, it provides entrepreneurs with the necessary capital to turn their ideas for a profitable business into a reality. All loans involve borrowing money from a lender. You’ll have to pay back the borrowed amount, typically with interest. But there are different…

Beware of Variable-Rate Loans and Rising Interest Rates

If you’re thinking about financing your business with a loan, you may want to avoid variable-rate loans. Loans have become a popular financing solution for businesses. Research shows that approximately half of all small business owners in the United States have applied for a loan. While a variable-rate loan can provide your business with capital,…

Is an Equipment Loan Right for Your Business?

If you’re planning to purchase new business-related equipment in the near future, you might be wondering whether an equipment loan is a smart financing solution. Nearly all businesses use some type of equipment to facilitate their operations. Whether your business sells tangible goods or services, it will likely require equipment. New equipment, of course, can…

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…

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…

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…