The Bottom Line by National Funding

Buying a small business, even a profitable one, comes with surprises in almost all situations. It could be machinery that is currently operating nicely, but only because the owner knows how to fix and repair it and that skill leaves when their contractual term is done. If you haven’t talked to suppliers and vendors to fully learn a...

Business loan payback periods and ROI are related because the payback period influences the total cost of the loan and how much the monthly payment is, which impacts a company’s cash flows.  

The ROI from a business loan comes from this equation: 

With this said, a full and detailed analysis will be a...

A cash flow analysis is done by mapping out incoming money versus outgoing expenses on a calendar, then identifying where there are gaps so a business owner or manager is not caught off guard with a $0 bank balance.  

This gives the decision-makers in a business the confidence they can handle upcoming problems including equipment breaking ...

Running a retail business from your home is not as complicated as it sounds, plus you don’t have to commute to a brick-and-mortar location or your warehouse for inventory management.  Once it takes off, you can decide the right move for your business and go the ecommerce route with warehousing and virtual staff,...

Most lenders will require a company to be in business for at least two years before they can get a small business loan as the lender wants to make sure the company will still be around when the loan comes to term, so the lender can recoup their funds. The risk with a company that hasn’t reached two years is that there may not be enough history to...