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  <title>Business News 7</title>
  <subtitle>Business News 7 publishes independent coverage of Entrepreneurship / Small Business.</subtitle>
  <link href="https://businessnews7.com" rel="alternate" type="text/html" />
  <link href="https://businessnews7.com/atom.xml" rel="self" type="application/atom+xml" />
  <id>https://businessnews7.com/</id>
  <updated>2026-08-22T23:50:48.795Z</updated>
  <entry>
    <title>How Does an SBA 7(a) Loan Actually Work?</title>
    <link href="https://businessnews7.com/entrepreneurship/how-does-an-sba-7-a-loan-actually-work.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/entrepreneurship/how-does-an-sba-7-a-loan-actually-work.html</id>
    <summary><![CDATA[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]]></summary>
    <published>2026-08-20T12:00:00.000Z</published>
    <updated>2026-08-21T03:36:11.415Z</updated>
    <author>
      <name>Priya Vaithilingam</name>
    </author>
  </entry>
  <entry>
    <title>What an SBA 7(a) Loan Costs: Rate Caps, Fees and 25-Year Terms</title>
    <link href="https://businessnews7.com/business-news/what-an-sba-7-a-loan-costs-rate-caps-fees-and-25-year-terms.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/business-news/what-an-sba-7-a-loan-costs-rate-caps-fees-and-25-year-terms.html</id>
    <summary><![CDATA[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.]]></summary>
    <published>2026-08-20T12:00:00.000Z</published>
    <updated>2026-08-22T02:23:02.234Z</updated>
    <author>
      <name>Priya Vaithilingam</name>
    </author>
  </entry>
  <entry>
    <title>How the SBA&apos;s $5 Million 7(a) Loan Actually Works</title>
    <link href="https://businessnews7.com/finance/how-the-sba-s-5-million-7-a-loan-actually-works.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/finance/how-the-sba-s-5-million-7-a-loan-actually-works.html</id>
    <summary><![CDATA[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.]]></summary>
    <published>2026-08-20T12:00:00.000Z</published>
    <updated>2026-08-22T02:23:02.240Z</updated>
    <author>
      <name>Lena Fischer</name>
    </author>
  </entry>
  <entry>
    <title>Half of New US Businesses Reach Year Five, Federal Data Shows</title>
    <link href="https://businessnews7.com/founders/half-of-new-us-businesses-reach-year-five-federal-data-shows.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/founders/half-of-new-us-businesses-reach-year-five-federal-data-shows.html</id>
    <summary><![CDATA[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.]]></summary>
    <published>2026-08-20T12:00:00.000Z</published>
    <updated>2026-08-22T02:23:02.243Z</updated>
    <author>
      <name>Owen Blackwood</name>
    </author>
  </entry>
  <entry>
    <title>What an SBA 7(a) Loan Really Costs Small Business Owners</title>
    <link href="https://businessnews7.com/small-business/what-an-sba-7-a-loan-really-costs-small-business-owners.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/small-business/what-an-sba-7-a-loan-really-costs-small-business-owners.html</id>
    <summary><![CDATA[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.]]></summary>
    <published>2026-08-20T12:00:00.000Z</published>
    <updated>2026-08-22T02:23:02.246Z</updated>
    <author>
      <name>Tanya Brooks</name>
    </author>
  </entry>
  <entry>
    <title>How the SBA Microloan Program Actually Works for Founders</title>
    <link href="https://businessnews7.com/startup-news/how-the-sba-microloan-program-actually-works-for-founders.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/startup-news/how-the-sba-microloan-program-actually-works-for-founders.html</id>
    <summary><![CDATA[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.]]></summary>
    <published>2026-08-20T12:00:00.000Z</published>
    <updated>2026-08-22T02:23:02.249Z</updated>
    <author>
      <name>Isabel Duarte</name>
    </author>
  </entry>
  <entry>
    <title>What Small Importers Now Owe After the $800 De Minimis Exemption Ends</title>
    <link href="https://businessnews7.com/trade/what-small-importers-now-owe-after-the-800-de-minimis-exemption-ends.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/trade/what-small-importers-now-owe-after-the-800-de-minimis-exemption-ends.html</id>
    <summary><![CDATA[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.]]></summary>
    <published>2026-08-20T12:00:00.000Z</published>
    <updated>2026-08-22T02:23:02.252Z</updated>
    <author>
      <name>Priya Vaithilingam</name>
    </author>
  </entry>
  <entry>
    <title>How Does an SBA 7(a) Loan Actually Work? — Entrepreneurship</title>
    <link href="https://businessnews7.com/entrepreneurship/how-does-an-sba-7-a-loan-actually-work-entrepreneurship.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/entrepreneurship/how-does-an-sba-7-a-loan-actually-work-entrepreneurship.html</id>
    <summary><![CDATA[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.]]></summary>
    <published>2026-08-21T12:00:00.000Z</published>
    <updated>2026-08-22T02:23:02.255Z</updated>
    <author>
      <name>Isabel Duarte</name>
    </author>
  </entry>
  <entry>
    <title>New Overtime Rule Reversal Leaves Small Employers Rewriting Payrolls Again</title>
    <link href="https://businessnews7.com/business-news/new-overtime-rule-reversal-leaves-small-employers-rewriting-payrolls.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/business-news/new-overtime-rule-reversal-leaves-small-employers-rewriting-payrolls.html</id>
    <summary><![CDATA[The 2024 overtime expansion was vacated, returning the exemption threshold to $35,568. What small employers should audit now.]]></summary>
    <published>2026-07-04T12:00:00.000Z</published>
    <updated>2026-08-22T16:35:16.688Z</updated>
    <author>
      <name>Priya Vaithilingam</name>
    </author>
  </entry>
  <entry>
    <title>What Does an SBA Loan Actually Cost a Small Business?</title>
    <link href="https://businessnews7.com/finance/what-does-an-sba-loan-actually-cost-a-small-business.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/finance/what-does-an-sba-loan-actually-cost-a-small-business.html</id>
    <summary><![CDATA[SBA 7(a) rate caps, guarantee fees, and the personal guarantee — the arithmetic a small-business owner should run before applying.]]></summary>
    <published>2026-07-04T12:00:00.000Z</published>
    <updated>2026-08-22T16:35:16.695Z</updated>
    <author>
      <name>Lena Fischer</name>
    </author>
  </entry>
  <entry>
    <title>Why Profitable Small Businesses Still Run Out of Cash</title>
    <link href="https://businessnews7.com/small-business/why-profitable-small-businesses-still-run-out-of-cash.html" rel="alternate" type="text/html" />
    <id>https://businessnews7.com/small-business/why-profitable-small-businesses-still-run-out-of-cash.html</id>
    <summary><![CDATA[Profit counts when earned, cash counts when collected — the timing gap that sinks sound businesses, and the weekly habits that close it.]]></summary>
    <published>2026-07-04T12:00:00.000Z</published>
    <updated>2026-08-22T16:35:16.700Z</updated>
    <author>
      <name>Tanya Brooks</name>
    </author>
  </entry>
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