When you start looking into equipment financing, one of the first questions you'll ask is, "What's this going to cost me?" Right now, you can expect rates to fall somewhere between 5% and over 30% APR. That’s a massive range, and where your business...
Figuring out whether to get a business loan or a line of credit really boils down to one simple question. Are you making a single, big-ticket purchase, or do you need help managing day-to-day cash flow? Think of a business loan like a mortgage for your company. You...
Small businesses often struggle with cash flow gaps that traditional bank loans can’t address quickly enough. Asset-based lending for small business offers a faster, more flexible financing solution.We at Silver Crest Finance see how this funding method helps...
Trying to get your hands on essential business equipment when your credit score is less than stellar can feel like an uphill battle. I've been there, and I know it's easy to think it's impossible. But it’s not a dead end. It just means you need to be a bit...
The core difference between business loans and personal loans comes down to one simple thing: purpose. Lenders evaluate them in completely different ways because one is meant for commercial growth and the other is for your personal life. A business loan’s approval...
Think of your stack of unpaid invoices. Each one is like a locked box holding cash you've earned but can't touch yet. Selling accounts receivable is the key to unlocking that cash. You're essentially selling those invoices to a finance company that pays...
Cash flow is the lifeblood of any business. Yet, many companies struggle with delayed payments and unpredictable income streams.At Silver Crest Finance, we’ve seen firsthand how invoice factoring can transform a company’s financial health. This powerful...
Every business owner, from a restaurant operator to a SaaS founder, faces a fundamental question: at what point do you stop losing money and start making it? This critical threshold is the break-even point, and understanding it is the first step toward sustainable...
At its core, factoring is a financial tool that lets a business sell its unpaid invoices—its accounts receivable—to a third-party company. You get a large portion of the invoice value upfront, and the factoring company takes over the task of collecting the full amount...
To get a real handle on what you'll owe on a loan, you first need to know how the lender is running the numbers. Is it simple interest? Compound interest? Or is it an amortized loan? The three main methods are simple interest (think short-term personal loans),...
Invoice factoring is a surprisingly straightforward financial tool that lets your business sell its unpaid invoices to a third-party company in exchange for immediate cash. Instead of nervously waiting 30, 60, or even 90 days for a customer to pay, you can get a huge...
Invoice factoring can be a game-changer for businesses struggling with cash flow issues. At Silver Crest Finance, we’ve seen firsthand how this financial tool can help companies thrive.Building an invoice factoring business model requires careful planning and...
A short-term business loan is a quick injection of cash meant to solve an immediate financial problem, with a repayment timeline that's typically 18 months or less. Think of it as a financial bridge—a way to get over a temporary cash flow crunch or jump on a...
When a traditional bank loan isn't on the table, it doesn't mean your business is out of options. In fact, a whole world of non-bank financing has emerged, including things like invoice factoring, merchant cash advances, and lines of credit. These alternatives...
A business bridge loan is a short-term financing tool designed to get you from Point A to Point B when there’s a temporary cash gap in the road. It provides immediate capital to jump on urgent opportunities, with the full understanding that a larger, long-term funding...
At Silver Crest Finance, we’ve seen firsthand how invoice factoring referral programs can supercharge business growth.These programs not only boost your client base but also create mutually beneficial partnerships.In this post, we’ll guide you through the...
Getting your first cash flow statement together is actually pretty simple. At its core, you're just tracking all the money that comes in and goes out, then sorting it into three main buckets: operating, investing, and financing activities. Doing this gives you a...
Managing your small business's cash flow is all about keeping a close eye on the money coming in and going out. It’s the practical, day-to-day discipline of making sure you have the funds to cover expenses, pay your team, and seize growth opportunities—even when...
Finding the right lender for your small business loan can feel like navigating a maze. On one hand, you have the big, traditional banks becoming more cautious with their lending. On the other, a whole new world of online lenders is popping up, offering speed and...
At its core, payroll funding is a way for businesses to make sure their team gets paid on time, every time—even when cash flow is unpredictable. It’s a financial tool that closes the all-too-common gap between when you owe your employees and when your customers...
