A merchant cash advance calculator is one of the most powerful tools you can have when exploring this type of funding. It takes the often-confusing terms of an MCA offer and translates them into numbers you can actually use for business planning. At its core, the...
Ever wondered how much of your business you actually own, versus how much is funded by the bank? The debt-to-equity ratio is the financial metric that gives you the straight answer. Think of it as a financial seesaw. On one side, you have everything you've borrowed...
Invoice factoring transforms unpaid invoices into immediate cash, but the devil lies in the details of your agreement. Most businesses focus on advance rates while overlooking contract terms that can cost thousands.We at Silver Crest Finance see companies make...
It's a scary but true fact: a business can be wildly profitable and still go under. The culprit isn't a lack of customers or a bad product. It’s a cash flow problem. At its heart, a cash crunch happens because of a timing mismatch—the gap between when money is due to...
A business credit line without a personal guarantee is a type of financing where your company borrows money based entirely on its own merit—its credit history, cash flow, and overall financial health. This setup draws a firm line between your business and personal...
If you’re in the construction business, you know the drill. You have to spend a ton of money on materials, equipment, and labor long before you see a single dollar from the client. That’s where construction business loans come in—they’re a specific type of financing...
Cash flow challenges hit sole traders harder than larger businesses. When clients delay payments for 30, 60, or even 90 days, your business operations can grind to a halt.Invoice factoring for sole traders offers a direct solution to this problem. We at Silver Crest...
Think of Net Working Capital (NWC) as your business's short-term financial breathing room. It's the cash and other liquid resources you have on hand to handle your immediate obligations, giving you a clear picture of your operational health. What Net Working Capital...
Ever tried to drive to a new place without GPS? You might have a general idea of the direction, but you’re mostly guessing, reacting to wrong turns and traffic jams as they happen. Running a small business without a forecast is a lot like that. Your Business Compass:...
Here’s a simple way to think about it: the cash conversion cycle (CCC) is the number of days it takes for the money you spend on your business (like buying inventory) to make its way back into your bank account as cash from a sale. It’s the round-trip journey your...
An equipment financing lease is a smart way for a business to get the tools it needs without having to pay a huge lump sum upfront. Think of it as a long-term rental agreement that lets you use everything from heavy machinery to high-tech servers for a fixed monthly...
Invoice factoring blockchain technology transforms how businesses access working capital by eliminating traditional intermediaries and reducing processing delays.We at Silver Crest Finance see smart contracts automating payment verification while providing complete...
Ever find yourself staring at a pile of unpaid invoices, knowing that's cash you've earned but can't yet use? Accounts receivable loans are designed to solve exactly that problem. Instead of waiting 30, 60, or even 90 days for clients to pay, this type of financing...
When you're running an HVAC business, financing is more than just getting a loan. It's about strategically using financial tools—like business loans and lines of credit—to manage your cash flow, buy the gear you need, and ultimately, grow your company. For a lot of...
Think of working capital as your business's day-to-day operating cash. It’s not just an accounting term; it's the financial fuel in the tank that keeps everything running smoothly—from paying your team and suppliers to covering rent and handling those surprise...
Cash flow challenges hit businesses hard when customers delay payments for 30, 60, or even 90 days. An invoice factoring arrangement can solve this problem by converting unpaid invoices into immediate cash.We at Silver Crest Finance see companies transform their...
Think of an equipment financing loan as a tool designed for a very specific job: buying the equipment your business needs to operate and grow. Unlike a general-purpose loan, the money is earmarked for a particular asset, and that asset—whether it’s a new truck, a...
Ever seen "Net 30" stamped on an invoice and wondered what it actually means? It’s pretty simple: it’s a signal to your client that they have 30 calendar days to pay the total amount owed, starting from the day you issue the invoice. You can think of it as giving your...
At its core, managing cash flow in a small business is simple: you need more money flowing in than you have flowing out. This sounds obvious, but it’s not just about turning a profit. It’s about having actual cash in your bank account to pay your bills, meet payroll,...
Ever heard of a business loan without collateral? It’s a way to get financing without having to pledge your company’s assets—like real estate or expensive equipment—as a guarantee. Instead of looking at what you own, lenders focus on the financial strength of your...
