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VA Small Business Loan Options: The Essential Guide
What is a VA Small Business Loan? The term “VA Small Business Loan” is often used as a catch-all for various small business...
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How to Get a Commercial Auto Loan: The Essential Guide
What is a Commercial Auto Loan? Commercial vehicle loans are financing products that allow businesses to acquire needed vehicles on credit....
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Understanding Commercial Loans: The Essential Guide
What is a Commercial Loan? A commercial loan refers to a form of debt financing where a company receives funding to cover expenses,...
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Business Loans with No Personal Guarantee: The Essential Guide
What is a Personal Guarantee for Business Loans? A personal guarantee (sometimes abbreviated as “PG”) is a legally binding...
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Equipment Financing Lenders: The Essential Guide
What is Equipment Financing? Equipment financing is when a business acquires needed equipment on credit. Business owners usually have the...
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How to Use Payroll Factoring: The Essential Guide
What is Payroll Factoring? Payroll factoring is a form of invoice factoring specifically to cover payroll costs. You may see the service...
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Small Business Tax Planning: The Essential Guide
What is Small Business Tax Planning? As a small business owner, you’re likely aware that taxes are one of your company’s most...
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Understanding Business Loan Interest Rates: The Essential Guide
What are Business Loan Interest Rates? A business loan interest rate is the financing charge for a loan. It’s the cost of the lending...
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MCA Loans for Small Businesses: The Essential Guide
What is an MCA Loan? An MCA loan refers to an alternative business funding product called a merchant cash advance (MCA). It’s sometimes...
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Best No Credit Check Business Loans: The Essential Guide
What are No Credit Check Business Loans? Business lenders review your personal and business credit score when you apply for financing....
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How to Use a Credit-Builder Loan: The Essential Guide
What is a Credit-Builder Loan? Credit-builder loans are unique financing products designed to help build or repair credit. Getting...
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Credit Utilization Ratio & Its Impact on Credit Scores: The Essential Guide
What is the Credit Utilization Ratio? The credit utilization ratio is the percentage of your available revolving credit you’re...
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Will One Late Payment Affect Credit? – The Essential Guide
What happens if I Miss a Payment? Missing a loan or credit card payment has several negative consequences. Getting caught up on any...
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How to Get a Charge-Off Removed: The Essential Guide
What is a Charge Off? A charge-off refers to when a creditor determines an account is too overdue (delinquent) to continue attempting to...
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How to Remove Negative Items from Credit Report: The Essential Guide
Can I Erase Bad Credit Overnight ? Unfortunately, there is no overnight cure for bad credit. Improving poor credit requires at least...
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Is a Credit Score of 600 Good or Bad? – The Essential Guide
Is a FICO Score of 600 Good or Bad Credit? A FICO score of 600 is in the fair credit score range but on the lower end. That makes it a...
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Understanding the Cash Conversion Cycle: The Essential Guide
What is the Cash Conversion Cycle? The cash conversion cycle (CCC) is a metric that measures how efficient a company is at converting cash...
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Opening a Business Banking Account for Bad Credit: The Essential Guide
What is a Business Bank Account? A business bank account is similar to a personal bank account but in the business’s name....
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Does Debt Settlement Hurt Your Credit? – The Essential Guide
What is Debt Settlement? Debt settlement is a form of debt relief. The process involves negotiating with a creditor (or creditors) where...
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Marrying Someone with Bad Credit: The Essential Guide
Does Marriage Affect Credit Scores? The short answer is no. Tying the knot does not affect credit history or credit scores. In fact, the...
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What Causes a Credit Score to Go Down?: The Essential Guide
Why are Credit Scores important? Credit scores determine what loans or credit cards are available to you and largely dictate what...
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How Long Does Bad Credit Stay on Your Credit Report? – The Essential Guide
What is a Credit Report? Your credit report is a record of your credit activity that lenders and credit card issuers use to determine your...
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No Credit vs. Bad Credit: Which is Worse?
What does it mean to have No Credit? No credit means there isn’t enough information in your credit report to generate a credit...
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What is Considered Bad Credit?: The Essential Guide
What is a Bad Credit Score? There’s no dividing line between a good credit score and a bad credit score, also called a subprime...
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How to Get the Highest Credit Score: The Essential Guide
What is a Perfect Credit Score? The two most widely used credit scoring models, FICO® credit scores and VantageScores® use a credit score...