Foro Perspectives

Interest rates haven’t been this high since 2007 when Apple released the first iPhone. That’s mostly due to inflation, which hasn’t been this high since 1981 when IBM released the first PC (and Kool & The Gang topped the charts). Not a great time to launch a new construction project, you might assume. But if that’s the case, why are so many contractors fully booked? And why are so many city...

What does an architectural feature have to do with financing? From its name to how it's structured, it’s easy to see why so many business owners are confused about mezzanine financing and how it works.  In this article, we’ll guide you through everything you need to know about mezzanine financing — and when it might be a good option for your financing needs.  

You’re probably familiar with the cash crunch dilemma: Business is going great, you’ve soared over your sales goals, and you know your clients are reliable and will pay on time. The problem? You've got bills coming due soon. And your suppliers aren't particularly interested in hearing what an outstanding month you've had or how good you look on paper. So now you’re investigating your options and...

It may not have grabbed the limelight like ChatGPT and rotisserie air fryers, but debt capacity was one of the hot topics of the past year. The reason? Soaring interest rates, which caused many business leaders to take a fresh look at the amount of debt on their balance sheets. Companies with high debt levels found that interest expenses were devouring their cash flow.  Loans come in many forms,...

Thinking about taking the next step towards expanding your business with a loan? Financial Institutions require a certain amount of information to evaluate and determine your ability to successfully borrow and repay a commercial loan.

The larger the loan request, the more information you will need to get a commercial loan. In all cases, however, you must provide sufficient information so that the...

Whether you’re planning to sell your company, explore financing options or simply chart its progress, it’s essential to know its true value. These ideas could help you attach an accurate, useful dollar figure to your business.

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What is your business really worth? That’s a crucial question if you’re considering a sale of your company, and it can also be important if you’re seeking financing...

Borrowing can be a smart move for your business, especially when you're in the early stages of growth. Lending partners can support you by providing fast access to capital, and in most cases, you won't have to give up any equity in your company.  But borrowing can also be a challenge! There are thousands of commercial lenders in the United States and many of them offer a diverse suite of...

If you’ve been in business for any length of time, you know profitability is key to success. But if you’re not managing your working capital effectively, your business could sink before profitability can give it a chance to swim. So when your working capital falls short, is it time to consider a working capital loan?

Economic factors beyond your control may make access to loans harder for your business at some times than others. These tips could help ensure you have the capital you need to cover operating costs and power growth through every economic climate.

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Sometimes, it’s not you. It’s the economy.

Even companies with solid track records and strong growth potential may find financing harder to come...

It’s been a tough few years for small business owners. You survived a global pandemic, and now you’re facing high inflation, interest rates that have risen sharply and the prospect of a slowdown that may tip over into a recession.In such an economic climate, many small businesses are struggling to secure the financing they need. In itself, this is nothing new. Access to funding has been a thorn...