Insights into the world of small business lending and development

Venturize's blog

The True Cost of Traditional Financing Products

Small business owners seeking funding to start, operate, or expand their businesses often fall prey to banks and lenders who are deceiving about the costs associated with borrowing. Monthly interest rates alone are not an indicator of the overall cost of a loan. Predatory lenders may hide additional costs, such as the annual percentage rate (APR), closings costs, service fees, and other fees or penalties. If you are a small business owner looking for financing, it is essential that you do your research not only to calculate cost accurately, but also to become aware of all lending options available to you.

9 Little-Known Business Loan Fees Hidden in the Fine Print

Getting approved for a small business loan is an exciting moment. You finally have the capital you need to move the needle for your business—whether it’s capital to purchase a new piece of equipment, to finance a second store opening, or simply to cover your regular business expenses. After putting hours and effort into searching for and applying for a business loan, you might be tempted to just quickly review your offer, check the rates and terms, and sign on the dotted line.

Is Your Cash Flow Ready for the Holiday Season?

You may not be trimming the tree just yet, but it’s definitely time to make sure your business is ready for the biggest shopping season of the year. From retailers to restaurants, the majority of small businesses will significantly boost their bottom line in Q4. According to a recent survey from Vistaprint, 75% of consumers indicated that they’re likely to do at least some of their holiday shopping with small businesses this year.

Got Bad Credit? Don't Apply for a Loan Before You Ask a Few Hard Questions.

If you have bad credit, your financing options may be limited and expensive. If you hope to start or a grow a business, you'll need to learn how to judge the status of your credit score and why it matters to your lender. Even more important, you must explore realistic avenues to fix the problems with your credit history.

Women Entrepreneurs May Have More Obstacles to Endure, but There Are a Few Ways to Ensure Success

Entrepreneurship is rarely easy, especially as a female in a typically male-dominated business world. I recently had an opportunity to interview two highly successful business masterminds: Rachel Braun Scherl of SPARK Solutions for Growth, who has nabbed the title of "Vagipreneur" for her success in the female sexual health market, and Sarah Beane Ricca, VP and financial advisor for Morgan Stanley Wealth Management. Both women have sage advice about the practices and philosophies they live by to overcome female-related obstacles and obtain true success.

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