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Business Financing 101: Venture Debt vs Traditional Bank Loans

Business Financing 101: Venture Debt vs Traditional Bank Loans

September 26, 2023

Raising funds for a small to medium-sized business is challenging. Traditional banks show little interest in servicing newer companies. Their interest rates and loan approval criteria are dependent on unrealistic revenue requirements. Venture capital firms don’t charge interest, but they want equity that cuts into other shareholders’ profits. Neither option is all that appealing.

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IPO Failure Rates Show Why Venture Debt Funding is a Better Option

IPO Failure Rates Show Why Venture Debt Funding is a Better Option

October 3, 2023

Funding is the lifeblood that companies need to grow and scale their operations. You can’t always rely solely on revenue. Other options include borrowing the money you need or finding investors willing to give you a cash infusion. Going public via IPO or SPAC funding is another alternative, but the numbers suggest it might not be a good one.

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Business Funding Requirements Increase as Global Economy Deteriorates

Business Funding Requirements Increase as Global Economy Deteriorates

October 18, 2023

Media reports about consumer price increases have been plentiful this year. Most of them focus on the prices of goods and services. Few mention how provider costs for those are also going up. Those costs are driving the price increases. They’re also the reason why small business owners are searching for new funding sources. Traditional sources are too expensive.

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Your Business Structure is a Key Variable in the Financial Success of Your Company

Your Business Structure is a Key Variable in the Financial Success of Your Company

October 30, 2023

Running a business is hard. Each day brings new challenges. Employees underperform. Equipment breaks down. Technology doesn’t work the way you thought it would. These are examples of operational dysfunction that can be easily corrected. Financial dysfunction is more difficult to fix, particularly if it’s connected to your business structure.

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How to Manage Corporate Debt During Fed’s “Higher for Longer” Interest Rate Policy

How to Manage Corporate Debt During Fed’s “Higher for Longer” Interest Rate Policy

November 10, 2023

The Fed is done hiking interest rates for now. That doesn’t mean the cost of debt is coming down any time soon. The “higher for longer” stance that Jerome Powell has taken means that managing corporate debt in 2024 will be challenging. This is particularly true for companies with a maturity wall in the near future. Things could get a bit sticky.

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How To Protect Your Company from a Bank Failure

How To Protect Your Company from a Bank Failure

November 21, 2023

The collapse of Silicon Valley Bank has been described as “devastating for fintech” and a “sign of things to come” by financial sector naysayers. It’s neither. SVB’s failure was caused by poor investment management at the bank and reduced venture capital investments in the tech sector. Both are factors you cannot control, but you can plan for them.

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What is Alternative Business Funding and Why is it Important Right Now?

What is Alternative Business Funding and Why is it Important Right Now?

December 5, 2023

Alternative business funding is a topic you’ll want to pay attention to right now if you’re a small business owner. Banks have historically been the “primary” source of funding for SMBs, but the failure of SVB and the Fed’s manipulation of interest rates have shown us that the system needs to change. There are better ways to acquire capital for your business.

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Cost Cutting and Growth Strategies to Prepare Your Business for 2024

Cost Cutting and Growth Strategies to Prepare Your Business for 2024

December 22, 2023

The increased cost of capital caused by the Fed’s (failed) monetary policy in 2023 has created a dilemma for small business owners. Materials and equipment costs are historically high. Rent and mortgage rates make physical expansion cost-prohibitive. Growth seems impossible in this environment. To achieve it, SMBs need to get creative with their finances.

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