Business Capital Articles and Tools

How the SBA’s New MARC Program Helps U.S. Manufacturers

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Is a Fractional CFO Right for Your Business?

Typically, when a business reaches approximately $10 million in revenue, it can comfortably afford a full-time CFO. Until then, hiring a Fractional CFO is a way to access high-level financial support without paying a full-time officer.

ERC Tax Return Amendment Rules Change

On March 20, 2025, the IRS issued updated FAQs clarifying that taxpayers no longer need to file protective claims for amended tax returns related to the Employee Retention Credit (ERC).

Safe Financial Instruments Guide

Our SAFE Financial Instruments Guide is intended to help entrepreneurs understand the key benefits of a SAFE, why they may want to use one, the differences between a SAFE and a Convertible Note, potential SAFE drawbacks, the types of SAFE investors, and the resources available.

Understanding the Accredited Investor Rule 501 of Regulation D

When seeking money for your business, it is necessary only to approach accredited investors because regulations restrict the types of investors allowed to participate in such private placements. By limiting investments to accredited investors, regulators aim to protect less sophisticated investors from the higher risks associated with certain types of investments, such as private placements or hedge funds.
To qualify as an accredited investor, an individual must typically meet one or more of the following criteria:

Employee Retention Tax Credit Guide January 2023 Update

The Employee Retention Tax Credit (ERTC aka the ERC) applicable to the Covid-19 pandemic has been evolving from its initial congressional act in March of 2020, was enhanced by the Consolidated Appropriations Act passed in January 2021, updated by the American Rescue Plan in March of 2021, and most recently updated by the Infrastructure Investment and Jobs Act.
If your head is spinning as you try to unravel the ERC rules, you are not alone. The ERC or Employee Retention Credit offers a viable and alternative way to recover payroll costs for any type of employer, except state and local government entities, regardless of their size.

Understanding the Accredited Investor Rule 501 of Regulation D

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Employee Retention Tax Credit Guide January 2023 Update

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EIDL Round 2 — SBA Expands Covid-19 Loans Again

NOTE -- THIS POST HAS BEEN UPDATED BASED ON SBA UPDATES...

Business Lending

Whether you’re a Main Street small business, an Entrepreneur growing a business from start-up, or a Middle Market Business about to embark on an Initial Public Offering (IPO), chances are you’ve had to turn to your local or regional bank or credit union to borrow business capital. And chances are you’ve learned these business lending institutions make their decisions based on what is known in the industry as the three C’s of lending: Cash Flow, Collateral, Credit History (or Credit Score)

Growth Capital vs Working Capital

Sufficient cash, otherwise known as business capital, is necessary for any business to pay vendors and employees on time and to invest in real and intangible assets that enable growth. That’s why, as a business owner, it’s critical to understand what business capital is, and the differences between growth capital vs working capital. Business capital is available in two main forms: debt and equity. Debt instruments include term loans and other types of financing which require repayment in the future, usually with interest. Conversely, equity is normally in the form of stock and members or partners’ equity. Equity typically does not require a direct repayment of funds. In this post, we’ll go into greater detail by discussing growth capital vs working capital, and how each form of business capital may be used most effectively to help a business thrive.

Capital Sources For Your Business

Whether you’re growing a business organically or searching for ways to jump start business growth with a large cash infusion, don’t allow the large number of capital sources for your business become overwhelming. This post identifies several non-traditional (i.e. non-bank) sources of capital for your business.

Loan Covenants Examples

A covenant is simply a fancy term for the word ‘promise’. Banks include covenants in their loan agreements to preserve their position as the lender and to improve the likelihood a loan will be paid back by the business owner/borrower on time, in full, and in accordance with the loan’s terms and conditions. Loan Covenants spell out exactly what the business owner agrees to do with respect to the business’ capital structure during the term of the loan or business line of credit.