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      <title>How Does an SBA 7(a) Loan Actually Work?</title>
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      <description><![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]]></description>
      <pubDate>Thu, 20 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
      <category>entrepreneurship</category>
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      <title>What an SBA 7(a) Loan Costs: Rate Caps, Fees and 25-Year Terms</title>
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      <description><![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.]]></description>
      <pubDate>Thu, 20 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
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      <title>How the SBA&apos;s $5 Million 7(a) Loan Actually Works</title>
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      <description><![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.]]></description>
      <pubDate>Thu, 20 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Lena Fischer</dc:creator>
      <category>finance</category>
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      <title>Half of New US Businesses Reach Year Five, Federal Data Shows</title>
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      <description><![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.]]></description>
      <pubDate>Thu, 20 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Owen Blackwood</dc:creator>
      <category>founders</category>
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      <title>What an SBA 7(a) Loan Really Costs Small Business Owners</title>
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      <description><![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.]]></description>
      <pubDate>Thu, 20 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>small-business</category>
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      <title>How the SBA Microloan Program Actually Works for Founders</title>
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      <description><![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.]]></description>
      <pubDate>Thu, 20 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>startup-news</category>
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      <title>What Small Importers Now Owe After the $800 De Minimis Exemption Ends</title>
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      <description><![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.]]></description>
      <pubDate>Thu, 20 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
      <category>trade</category>
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      <title>How Does an SBA 7(a) Loan Actually Work? — Entrepreneurship</title>
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      <description><![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.]]></description>
      <pubDate>Fri, 21 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>entrepreneurship</category>
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      <title>New Overtime Rule Reversal Leaves Small Employers Rewriting Payrolls Again</title>
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      <description><![CDATA[The 2024 overtime expansion was vacated, returning the exemption threshold to $35,568. What small employers should audit now.]]></description>
      <pubDate>Sat, 04 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
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      <title>What Does an SBA Loan Actually Cost a Small Business?</title>
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      <description><![CDATA[SBA 7(a) rate caps, guarantee fees, and the personal guarantee — the arithmetic a small-business owner should run before applying.]]></description>
      <pubDate>Sat, 04 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Lena Fischer</dc:creator>
      <category>finance</category>
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      <title>Why Profitable Small Businesses Still Run Out of Cash</title>
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      <description><![CDATA[Profit counts when earned, cash counts when collected — the timing gap that sinks sound businesses, and the weekly habits that close it.]]></description>
      <pubDate>Sat, 04 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>small-business</category>
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