When your business needs new equipment, you're immediately faced with a critical choice: equipment financing vs. leasing. The right answer really hinges on what you want to achieve in the long run. If you're looking for ownership and want to build equity in an...
Working capital is the lifeblood of any business, fueling day-to-day operations and growth. However, many companies struggle to maintain adequate cash flow, especially during periods of expansion or economic uncertainty.At Silver Crest Finance, we understand the...
So, what exactly is a franchise business loan? It's a specific type of funding built to handle the unique expenses that come with buying into a franchise—things like the big initial fee or the custom build-out that has to match the brand's look and feel. It’s...
A business expansion loan is exactly what it sounds like: a specific chunk of capital meant for a major growth project, like opening a new storefront or investing in game-changing equipment. This isn't money for covering payroll or paying the electricity...
Before you can really dig into a balance sheet and get the full story, you have to learn its language. It’s a two-part process. First, you need a solid grasp of its three main pillars: Assets, Liabilities, and Equity. Then, you can use financial ratios to connect the...
Think of supply chain finance, or SCF, as the ultimate win-win for managing cash flow between a business and its suppliers. It's not a loan in the traditional sense. Instead, it’s a smart financial arrangement where a buyer helps its suppliers get paid much...
Cash flow is the lifeblood of any small business. But what happens when your invoices are piling up and you’re waiting weeks or months for payment?At Silver Crest Finance, we know that small business invoice factoring can be a game-changer for many...
Ever had that sinking feeling in your gut when payroll is due, but the bank account is looking dangerously low? That's a cash flow problem in a nutshell. It's not about whether your business is profitable on paper; it's about having actual, spendable cash...
When your business needs a new piece of equipment, paying the full price upfront can feel like a massive hit to your cash flow. That’s where equipment financing comes in. It’s a specific type of loan or lease designed to help you buy business equipment, letting you...
Invoice factoring bookkeeping is a critical aspect of financial management for businesses that use this financing method. At Silver Crest Finance, we’ve seen how proper accounting practices can make or break a company’s financial health when dealing with...
Financial projections are where your business plan gets real. They take your big ideas and translate them into the language every investor, lender, and partner understands: numbers. This section is often the most heavily scrutinized part of any plan because it tells...
The debt service coverage ratio, or DSCR, is one of the most important numbers a lender will look at. It's a simple calculation that gets right to the heart of a loan application by answering one crucial question: does your business or property actually generate...
Picture this: you've just landed and completed a massive job for a great client. The only problem? Their payment terms are net 60, meaning you won't see that cash for two whole months. This is a classic cash flow crunch that can bring even the most promising...
Getting a business loan isn't just about having a great idea. It's a strategic process that hinges on having your financial house in order, a convincing business plan, and connecting with the right lender. Honestly, the prep work you do upfront is the single...
Working capital adjustment is a critical aspect of business transactions that often goes overlooked. This process can significantly impact the final purchase price in mergers and acquisitions, as well as influence cash flow and financial statements.At Silver Crest...
Navigating the world of small business financing can feel overwhelming. With a multitude of lenders, loan types, and grant opportunities available, finding the right fit is a critical step for sustainable growth. This guide demystifies the process by providing a...
Think of your budget as more than just a spreadsheet of numbers; it's the financial roadmap that guides your business toward stability and growth. It’s a living document that helps you track your cash flow, make smarter decisions, and spot opportunities before...
When it comes to qualifying for a merchant cash advance, it really boils down to three core things: your monthly sales volume, how long you’ve been in business, and your credit history. Unlike a traditional bank loan, the real star of the show here is your daily...
Choosing between SBA loans and bank loans can be a game-changer for your business. At Silver Crest Finance, we’ve helped countless entrepreneurs navigate this crucial decision.In this post, we’ll break down the key differences between SBA loans vs bank...
The choice between leasing and buying equipment boils down to a fundamental trade-off. Leasing gives you financial flexibility and keeps you current with the latest technology, while buying builds long-term equity and puts you in complete control. Your decision really...
