Ever heard of a home equity loan? A business equity loan works on a very similar principle, but instead of your house, the collateral is your company itself. You’re essentially borrowing against the value you’ve built in your business without having to sell off shares...
Invoice factoring with Xero creates a powerful combination for managing cash flow and accounting processes. This integration streamlines how businesses handle their receivables while maintaining accurate financial records. We at Silver Crest Finance see many companies...
If you've ever applied for a business loan, you've likely come across the term Debt Service Coverage Ratio (DSCR). In simple terms, DSCR is a quick financial health check that measures whether your business is bringing in enough cash to handle all of its debt...
Buying a business is a huge move, and it's about much more than just finding a company that looks good on paper. Before you even think about scrolling through listings, the real work begins with you. It's about getting brutally honest with yourself, assembling...
Waiting for customers to pay their invoices can feel like your own money is locked just out of reach. Loans on accounts receivable are essentially the key to that lock. This type of financing lets you borrow against the money your customers owe you, turning those...
The fundamental difference between leasing and purchasing comes down to this: leasing is all about operational flexibility and preserving cash, while purchasing is a play for long-term ownership and building equity. The right choice hinges on a simple question: does...
Cash flow challenges hit 82% of small businesses according to recent QuickBooks research. A working capital credit line provides the flexible financing solution most companies need to bridge these gaps. We at Silver Crest Finance see businesses struggle with timing...
When a lender looks at your business, they're searching for a quick, reliable way to gauge your financial stability. The most powerful number they'll see is your business credit score—a single figure that sums up your company's credit history and...
A business debt schedule is really just a detailed list of all your company's debts, all in one place. Think of it as your command center for debt, turning a jumble of liabilities into a clear roadmap for managing your finances and planning for growth. Why Your...
A merchant cash advance, or MCA, can be a bit confusing because it isn't actually a loan. Instead, it's a completely different kind of financing where a company gives you a lump sum of cash today in exchange for a piece of your future sales. You're...
Cash flow problems hit 82% of small businesses, with unpaid invoices being the primary cause. Invoice factoring offers immediate access to working capital by selling your receivables to a third party. We at Silver Crest Finance know that finding the best invoice...
Securing capital is the lifeblood of any growing business, but traditional bank loans are becoming harder to obtain, with lengthy applications and strict credit requirements. For many entrepreneurs, from landscaping companies to franchise operators, this path is often...
When you start looking into business loans, you'll quickly discover that the "average" terms can be all over the map. Repayment periods can run anywhere from 6 months to over 10 years, with Annual Percentage Rates (APRs) starting as low as 6% and...
When you start shopping for an equipment loan, you'll see rates that can swing from a low 4% all the way up to over 20%. This isn't just a random number; it's the price you pay to borrow money for that crucial piece of machinery, and it directly impacts...
When you're starting to build a business budget, the first step is to get a clear, honest look at your financials. This means digging into past income, projecting what you expect to earn, and getting a handle on every single expense—both the ones that stay the...
Indian businesses face significant cash flow challenges, with 73% of SMEs reporting payment delays exceeding 90 days. Invoice factoring companies in India offer immediate working capital by purchasing unpaid invoices at a discount. We at Silver Crest Finance...
Every small business owner knows the feeling. You're staring at a stack of unpaid invoices, money you've earned, but it's just sitting there. Waiting for that cash to hit your account is one of the biggest headaches in business. This is where factoring for...
Scaling a service business isn't just about getting bigger—it's about getting smarter. The real secret is to make your revenue grow much faster than your costs. You get there by building systems that run like clockwork, assembling a team that doesn't need...
In the world of small business, speed isn't just a goal—it's a lifeline. When a crucial piece of equipment suddenly dies or a once-in-a-lifetime inventory deal pops up, waiting weeks for a traditional bank to approve a loan simply isn't an option. Fast...
Cash flow challenges hit South African businesses hard, especially when waiting 30 to 90 days for customer payments. Invoice factoring South Africa offers a powerful solution that converts unpaid invoices into immediate working capital. We at Silver Crest Finance see...
