If you need help determining your small business tax rate, these tips can help you get organized and find the best approach to cover your taxes.
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Ways to Lower Your Debt to Income Ratio for a Loan
Improving your debt-to-income ratio (DTI) before applying for a business loan or other type of financing reduces the risk of underwriting delays or being denied because of your finances. Consumer and business lenders have their own requirements for what makes a “good” DTI, but common ranges include: Low-risk DTI being under 36% Medium-risk DTI at levels between… Read more »
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The Reason Why Business Loans Have Different Lengths
The length of a business loan often changes based on the usage of the funds. It should be tailored to the borrower whenever possible to make sure that their cash flow can cover payments over the term without defaulting. The longer the term length, the lower the monthly payment is on most loans, which frees up cash flow. A… Read more »
READ THE STORYImproving your debt-to-income ratio (DTI) before applying for a business loan or other type of financing reduces the risk of underwriting delays or being denied because of your finances. Consumer and business lenders have their own requirements for what makes a “good” DTI, but common ranges include: Low-risk DTI being under 36% Medium-risk DTI at levels between… Read more »
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Credit Utilization Ratios and How to Calculate Yours
A credit utilization ratio (CUR) is the total amount of revolving credit that you are using (your revolving debt) divided by the total amount of revolving credit that is available to you including credit cards, lines of credit, HELOCs, and more. A CUR can apply to both personal and business financing and is calculated using the following… Read more »
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What Being Creditworthy Means & How to Improve Yours
Creditworthy is a term used by lenders to evaluate the risk level associated with a person or a business applying for financing. Being more creditworthy means there is less of a risk of defaulting on the borrowed amount or that the lender has less risk in recovering their losses. Creditworthiness is for both personal and business borrowing… Read more »
READ THE STORYThe length of a business loan often changes based on the usage of the funds. It should be tailored to the borrower whenever possible to make sure that their cash flow can cover payments over the term without defaulting. The longer the term length, the lower the monthly payment is on most loans, which frees up cash flow. A… Read more »
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When to Choose Between Short-Term or Long-Term Loans
There are important differences between short-term and long-term business loans to keep in mind.
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What Loan Recasting Is and When it Makes Sense
Recasting a personal or small business loan is when a borrower makes a lump sum payment (curtailment) toward their loan’s principal balance. The lender then recalculates the monthly payments based on the new, lower balance while keeping the same interest rate and terms. By reducing the principal owed, the borrower frees up future cash to… Read more »
READ THE STORYWhat are capital expenditures for small businesses? Learn how these investments work and pick up tips on finding the right spending level for your company.
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How to Connect With Customers Online & Drive More Sales
Connecting with customers online can expand your market reach and boost sales if done effectively. Learn four ways to improve your online interactions.
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When Marketing and Advertising Loans Are a Good Idea
Using a small business loan to buy advertising doesn’t have to be high-risk when you know how to calculate the additional profit you’ll make to cover the interest payment and loan amount by using the return on ad spend (ROAS) formula. Advertising and marketing loans are not good for every situation, including industries where there… Read more »
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How Bracket Creep and Inflation Impact Taxes and Profit
Bracket creep is when bigger profits from your business move you into a higher tax bracket, causing you to pay a larger percentage and more total taxes. This happens because the IRS divides your income into segments and the tax rate increases for each segment as your small business profit grows. C-corporations and LLC’s taxed… Read more »
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Small Business Tax Rates as of 2025
If you need help determining your small business tax rate, these tips can help you get organized and find the best approach to cover your taxes.
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