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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
Cash Management
6 min read

What Is Debt Coverage Ratio and Why Is It Important for Your Business?

So, you're here with one very specific question to ask: "What is debt coverage ratio?" The answers to that question may differ, depending on whether you're applying for yourself or a business. It may even be more important to ask yourself other questions entirely. Questions like "How does this ratio

Austin Moss
Capital Collab
Growth Strategy
4 min read

The 5 Pieces of Business Equipment You Need for Your IT Startup

In today's tech-centric world, IT experts are more in demand than ever before. Considering that our reliance on technology is only going to grow in the years to come, now is an excellent time to start an IT business. As with any business, successful IT startups require a specific set of tools to be

Austin Moss
Capital Collab
Business Lending
3 min read

Top 4 Ways Staffing Agencies Can Leverage Invoice Factoring

Waiting for employers to pay staffing agency invoices can hold up business operations, especially for agencies that are trying to [expand quickly](https://capitalcollab.com/when-your-business-needs-a-growth-loan-where-do-you-start/). What if an employer expects 90 days to pay, but your agency needs

Austin Moss
Capital Collab
Cash Management
6 min read

How to Craft an Outstanding Invoice Email to Get Paid on Time

Did you know that American small businesses were collectively owed [825 billion dollars](https://www.entrepreneur.com/article/285233) in unpaid invoices in 2016? When you operate as an independent contractor or a small business, delayed or unpaid invoices can put you at a financial loss. Considerin

Austin Moss
Capital Collab
Business Lending
6 min read

8 Reasons to Acquire a Quick Equipment Loan for Your Construction Business

If you own a construction business, you know how crucial high-quality equipment is to your success. Sometimes, obtaining the equipment you need can be a challenge, especially when it comes to financing. Read on to learn eight reasons why getting a quick equipment loan will help you watch your busi

Austin Moss
Capital Collab
Business Lending
6 min read

How Property-Based Lending Can Help You Grow Your Business

You decided to purchase a rundown home to fix and flip it. You and your spouse are entering the fix-and-flip business as partners. The house will need many repairs, including plumbing and wiring replacements. The project is going well for the first few weeks. As time goes by, however, you notice th

Austin Moss
Capital Collab
Business Lending
3 min read

When Your Business Needs a Growth Loan, Where Do You Start?

Microsoft, Apple, Amazon. All of the [biggest businesses in the world](https://www.statista.com/statistics/263264/top-companies-in-the-world-by-market-value/) started out as small businesses. How did they become so big? They grew. Making a small business grow isn't easy. It takes time, hard work,

Austin Moss
Capital Collab
Business Lending
6 min read

How to Acquire a Machinery Loan to Grow Your Manufacturing Business

You own a manufacturing plant that manufactures computer chips. However, your current equipment is old and outdated. Your maintenance department is spending more money on repairs and upgrades.  The new parts are placing more stress on the old ones, causing the older parts to break down as the machi

Austin Moss
Capital Collab
Growth Strategy
6 min read

Retail Expansion Strategy: How to Capitalize on Your Store's Success

Small and medium-sized retail businesses have an average [monthly revenue of around $22,341](https://www.score.org/resource/infographic-small-retailers-can-compete-and-win). Shoppers spend about 69% of their discretionary income in a retail store each month. If your business has beaten the odds to

Austin Moss
Capital Collab
Business Lending
6 min read

Why Equipment Loans Are Important for Startup Businesses

You started a bakery business, but you need more equipment. You apply for a bank loan, but the rep denies your application. You opt for loan companies, but they also reject your application. You become frustrated as you keep applying for loans, ruining your credit in the process. You wonder about as

Austin Moss
Capital Collab
Business Lending
6 min read

What is the Definition of a Factoring Loan?

In the United States, more than [1 million small businesses](https://advocacy.sba.gov/2019/08/29/small-business-facts-establishment-dynamics/) open each year.  These businesses cover the entire spectrum from restaurants to professional services. One thing that they all need is operating capital. Yo

Austin Moss
Capital Collab
Company Leadership
4 min read

Why Employee Morale is Important: It Can Make or Break Your Business

Do your employees love their jobs? Are they happy to contribute to your business, and do they feel valued? A recent survey shows that [25 percent of Americans](https://www.stress.org/workplace-stress) say their job is their number one stressor. Hopefully, your employees are a much happier and more

Austin Moss