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 small...
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 biggest...
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 they...
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 loans, helping...
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...
Here's a simple, hard-earned truth I've seen play out countless times: businesses don't usually fail because they aren't profitable. They fail because they run out of cash. Actively managing the cash flow for your small business isn't just a "best practice"—it's the...
In the world of business, cash flow is king. Yet, many entrepreneurs and small business owners overlook one of the most powerful tools for managing it: their payment terms. The right terms can accelerate payments, reduce financial risk, and even attract better, more...
So, you're ready to jump into franchising. Fantastic. The first big hurdle, and often the most intimidating, is figuring out how to pay for it all. Securing the capital to launch your franchise is a major step, and your success hinges on a few key things: a deep dive...
Invoice factoring in the UAE is transforming how businesses manage their cash flow. This financial tool allows companies to convert unpaid invoices into immediate working capital, fueling growth and stability.At Silver Crest Finance, we’ve seen firsthand how invoice...
Are you looking at a profit and loss statement that shows you're making money, but your bank account is nearly empty? It's a common and deeply frustrating situation for so many small business owners. This isn't just a numbers game on a spreadsheet; it's about the...
Improving your working capital really boils down to three core moves: getting cash in the door faster, paying bills a bit slower, and making sure your inventory isn't just sitting around collecting dust. When you get these three things right, you have the cash you...
Ever thought about getting funding for your business based purely on its performance and potential, without having to put your property or equipment on the line? That's the essence of an unsecured business loan. It’s a way to get the capital you need without pledging...
The construction industry faces unique financial challenges. Cash flow issues can hinder growth and project completion.At Silver Crest Finance, we’ve seen how invoice factoring in the construction industry can transform businesses. This financial tool offers a...
If you want your small business to survive and thrive, you need to get a handle on your money from the very beginning. This isn't just about crunching numbers; it's about building a solid, organized system to manage your finances. A strong financial foundation gives...
When you start looking into financing new equipment, you’ll quickly find that interest rates can be all over the map. For a business with a stellar financial history, rates can dip as low as 5%. On the other hand, a newer or higher-risk company might see rates north...
For a small business owner, cash flow management is less about complex accounting and more about a simple, powerful truth: knowing exactly where your money is going and when it's coming in. It's the hands-on process of tracking, analyzing, and ultimately controlling...
