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Business Finance Intelligence

Expert insights on business financing, capital strategy, and growth — written for business owners who want to make smarter decisions.

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Capital Collab
Business Lending5 min read

Where the Capital Comes From Doesn’t Matter—What Matters Is Knowing How to Access It

One of the biggest mistakes business owners make when it comes to financing is assuming there is only one right way to raise capital. They think they have to go to a bank. Or that private credit is only for struggling businesses. Or that venture capital is the only way to scale a startup. The truth

Austin Moss·
Capital Collab
Business Lending
5 min read

Unlocking Business Growth in 2025: Accessing & Leveraging Capital for Maximum Scale

Business success in 2025 isn’t just about securing capital—it’s about knowing how to use it strategically to scale faster, increase profitability, and outmaneuver the competition. With traditional bank lending tightening, alternative funding sources, private credit, and revenue-based financing are

Austin Moss
Capital Collab
Cash Management
3 min read

Quick Guide: Financial Forecasting Before Taking on a Large Project

Taking on and investing in a large project can be risky, which is why financial forecasting is pivotal in making decisions in the face of uncertainty.  From asset pricing [to risk management](https://rady.ucsd.edu/docs/faculty/Forecasting-methods-in-finance.pdf), there are many ways to forecast wha

Austin Moss
Capital Collab
Business Lending
8 min read

Best Business Loans for Those with Bad Credit

Almost 10 years ago, the approval rate for business loan applications was less than 10%. Today, the approval rate is significantly higher, at [just over 25%](https://www.forbes.com/sites/rohitarora/2018/06/13/loan-approvals-hit-new-heights-for-small-business-borrowers-with-good-credit/#166dea02f17d)

Austin Moss
Capital Collab
Growth Strategy
8 min read

Top 8 Tips in Researching Franchise Opportunities

Do you dream of entrepreneurship, but don't know where to start? Are you nervous about the risks associated with starting a new business? Then, becoming a franchisee represents your best ticket.  Owning a franchise lets you be your own boss. Yet, franchises provide greater stability because of thei

Austin Moss
Capital Collab
Business Lending
7 min read

Did You Receive an Unknown Hard Credit Inquiry? A Guide to Get it Resolved

Your business is taking off, so you decide to seek preapproval for a loan to launch a new location. You’re unconcerned with the result because you know you have excellent credit. Yet, to your surprise, the request is denied.   How can this be? When you scan the letter explaining the denial, you’re

Austin Moss
Capital Collab
Business Lending
7 min read

A Guide to Small Business Disaster Relief Financing

The COVID-19 Pandemic has put unprecedented pressure on small businesses throughout the United States. To help mitigate the financial pain of dealing with the crisis, the federal government recently signed the Coronavirus Aid, Relief and Economic Security (CARES) Act into law to provide $2 trillion

Austin Moss
Capital Collab
Company Leadership
15 min read

Navigating the Coronavirus Outbreak as a Small Business Owner

There are now more than 245,000 cases of coronavirus (COVID-19) in the United States and new cases are being reported every day. The virus has caused panic and disruption throughout the country, causing grocery store shelves to empty and stock markets to plummet. For small business owners, the coro

Austin Moss
Capital Collab
Cash Management
3 min read

Distinguishing Gross Sales vs Net Sales: What You Need to Know

Your new business needs [the right equipment](https://capitalcollab.com/the-5-pieces-of-business-equipment-you-need-for-your-it-startup/) to get the job done. You also need to equip yourself with knowledge about how gross sales work and what they mean to your bottom line. When reviewing your monthl

Austin Moss
Capital Collab
Sales
5 min read

How to Offer Financing to Customers: A Step-by-Step Guide

In the US, [around 78.6% of small businesses](https://www.sba.gov/sites/default/files/advocacy/Frequently-Asked-Questions-Small-Business-2018.pdf) make it past 1 year. And at the 5-year mark, only about 50% are still around. As you can see, it's difficult to keep things going after a while. This ma

Austin Moss
Capital Collab
Marketing
11 min read

Direct to Consumer Marketing: Is Your Business Ready?

Direct to consumer marketing is popular with brands trying to [leverage their marketing](https://capitalcollab.com/how-to-rearrange-your-etsy-shop-to-drive-more-sales%EF%BB%BF/). A big part of that growth has to do with the fact that it allows brands to enter the market directly, without needing an

Austin Moss
Capital Collab
Business Lending
4 min read

Waiting on Outstanding Invoices, But Need to Make Payroll? 5 Ways Payroll Financing Can Help

As a business owner, when your clients take longer to pay you than expected, your business can quickly start worrying about financial problems. Not only can you struggle about how to pay employees, but paying your rent, utilities, and other operating expenses can become a challenge. In these situat

Austin Moss