Why Profitable Small Businesses Still Run Out of Cash
Profit is an opinion settled at year-end; cash is a fact settled every Friday — here is how the gap kills otherwise sound businesses.
Tanya Brooks
What Does an SBA Loan Actually Cost a Small Business?
The 7(a) program's rates and fees are published and calculable — here is the arithmetic owners should run before applying.
Lena Fischer
What an SBA 7(a) Loan Costs: Rate Caps, Fees and 25-Year Terms
Federal rules cap the spread a lender may add — 6.5 points on the smallest loans, 3.0 above $350,000 — but leave the rate, the fee notice and the maturity for owners to check themselves.
Priya VaithilingamAnalysis & Opinion
What an SBA 7(a) Loan Really Costs Small Business Owners
Beyond the interest rate, the SBA's most popular loan program comes with an upfront guaranty fee and a separate annual service fee, and the agency — not the bank — sets the ceiling on both.
Half of New US Businesses Reach Year Five, Federal Data Shows
Bureau of Labor Statistics cohort tracking puts five-year survival at 50.6 percent for the March 2013 class of establishments — and shows the first twelve months carry most of the risk.
How the SBA's $5 Million 7(a) Loan Actually Works
The federal government does not lend the money directly — it guarantees a slice of it, which is why the fine print on rates, fees, and eligibility matters more than the headline number.
How Does an SBA 7(a) Loan Actually Work?
The federal government doesn't lend the money directly — it guarantees part of a bank loan, and the guarantee percentage, not the program's advertised $5 million ceiling, is what actually decides who gets funded.
Trade
More in Trade →What Small Importers Now Owe After the $800 De Minimis Exemption Ends
A CBP rule that took effect June 24, 2026 ends duty-free entry for most low-value shipments, forcing small importers into formal customs procedures.
Priya VaithilingamStartup News
More in Startup News →How the SBA Microloan Program Actually Works for Founders
The federal program caps loans at $50,000 and routes every dollar through nonprofit lenders. Here is what it covers, what it costs, and what disqualifies an application.
Isabel DuarteBusiness News
More in Business News →New Overtime Rule Reversal Leaves Small Employers Rewriting Payrolls Again
A 2024 expansion of overtime eligibility was vacated nationwide in late 2024 — here is what the rollback changes for owners now.
Priya Vaithilingam