The Debt-to-Income (DTI) ratio measures how much of a borrower’s gross monthly income remains after paying down debt. Lenders use this ratio to gauge whether the borrower has enough disposable income to take on new debt obligations and still maintain their lifestyle. The ratio measures a borrower’s total required monthly debt payments on consumer credit… Read more »
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The loan to value ratio or LTV is a measurement of the risk level for the lender based on the amount of money being borrowed compared to the asset being purchased. It is most often used for assets that serve as loan collateral. When the risk is lower, the lender may be open to offering… Read more »
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How can I borrow money from my LLC and not be subject to tax penalties? We break it down.
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Invoice factoring is when a business sells the invoices owed to them at a discount to a third party called a factoring company, and the factor company collects from the business’s customer directly. The business selling their invoices is not required to tell the customer, but the customer will receive a notification of assignment from… Read more »
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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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5 Offline Marketing Strategies That Support Small Businesses
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Using the six “C’s” of credit analysis as a guide for when they apply for a loan, small-business owners can greatly increase their chances of finding success.
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Having a strong net profit margin in your business does not mean you’re going to make more money as it represents how much cash you have on hand to keep — not how much your company’s revenue has increased by. It is also a measure of financial stability when economic fluctuations happen and a measure… Read more »
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