Financial Guides

How to Fund your Small Business Now, Even if You Have Poor Credit

As businesses seek funding to weather the storm of COVID-19, there are many options to consider based on your credit, the interest rate you’re comfortable with, how fast you need the funds, and the amount you need to borrow. Although the PPP is a great loan option for business owners, we know that many that are still awaiting funds (or have been denied). For those who are looking for funds beyond the PPP, here is a breakdown of your options.

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How Personal Finance Can Affect Your Immigration Case

Learning to better manage your money can have a significant impact on your immigration case.

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The Importance of Building Credit for Immigrants

While in many countries using credit and banks is not a safe decision, in the U.S. holding on to cash and not taking steps to build a credit score and take out good debt may do more harm than good for your finances.

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A Recap of the Small Business Borrowers’ Bill of Rights

The small business borrower’s bill of rights is a document that outlines six fundamental rights that any small business owner who is seeking funding is entitled to.

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Understanding Business Risk and Debt Service Coverage Ratio

DSCR stands for Debt Service Coverage Ratio and is often a figure used by lenders to understand the risk associated with lending to their borrowers. If you’re able to calculate the DSCR for your business, you’ll be able to better understand the terms that some lenders offer you.

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Your Financial Terms Glossary

With so many new lending companies popping up left and right, how are you supposed to know which option is best? We’ve created a list of common terms that you’ll see on websites offering funding for small businesses.

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What does APR mean?

You’ve probably heard terms like APR, interest rate, and flat rate fee thrown around all from different lenders, but what does all of this really mean and how should it be applied most productively as you decide which loan options you’re going to apply for?

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Exploring What FICO Means to People

I wanted to explore FICO and what individuals associate it with just to get a sense of whether people think it’s a scary thing or not. When I went around and spoke to individuals about what a FICO score meant to them, I got a lot of similar responses.

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