# Swoop US
> business funding and savings
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## Pages
- [Refinance commercial property](https://swoopfunding.com/us/commercial-real-estate/refinance-commercial-property/): Refinancing commercial property is a strategic move for businesses and investors looking to reduce financial pressure, unlock capital, or reposition assets for growth.
- [Are merchant cash advances tax-deductible?](https://swoopfunding.com/us/business-loans/merchant-cash-advance/are-mcas-tax-deductible/): What parts of an MCA may be tax-deductible? Cost of capital or financing fees, Processing or administrative charges, Repayments are not deductible as business
- [How to record a merchant cash advance on financial statements](https://swoopfunding.com/us/business-loans/merchant-cash-advance/how-to-record-a-mca-on-financial-statements/): When you receive MCA funds, it’s critical to record the amount correctly in your books to avoid misrepresenting revenue or liabilities. Read more here.
- [What happens if you default on a merchant cash advance](https://swoopfunding.com/us/business-loans/merchant-cash-advance/what-happens-if-you-default/): What happens if you default on a merchant cash advance? Join Swoop Key Takeaways Merchant cash advances (MCAs) offer fast...
- [UCC Loans: What They Are, How They Work, and Who Uses Them](https://swoopfunding.com/us/business-loans/ucc-loans/): UCC loans prove there’s more to business financing than just signing an agreement. It also involves understanding how lenders protect themselves. Read more here
- [Credit scores](https://swoopfunding.com/us/credit-builder/): Build your credit & unlock more funding options Better credit helps you borrow more and at better rates. Quickly build...
- [Business computer finance](https://swoopfunding.com/us/business-loans/asset-finance/equipment-financing/business-computer-finance/): Computers are no longer a luxury item for businesses, they are an absolute necessity. Read more about computer finance here, or submit an application with Swoop
- [Loans to buy a retiring business](https://swoopfunding.com/us/business-loans/loans-to-buy-a-retiring-business/): Did you know that there are millions of business owners in the U.S. approaching retirement age? For aspiring entrepreneurs this presents a unique opportunity.
- [Business loans for office space](https://swoopfunding.com/us/business-loans/business-loans-for-office-space/): A business loan for office space can help you manage these costs without compromising day-to-day operations. Find out more here, or apply with Swoop today.
- [Business loan for app development](https://swoopfunding.com/us/business-loans/business-loan-for-app-development/): Whether you’re launching a customer-facing mobile app or a custom internal platform, financing can give you the runway to build without delaying progress.
- [Business loan for hiring](https://swoopfunding.com/us/business-loans/business-loan-for-hiring/): Hiring new employees is one of the most effective ways to take on more as your business grows, but it can be pricey. Read more, or apply for finance here.
- [Office fit out finance](https://swoopfunding.com/us/business-loans/office-fit-out-finance/): A well-designed office space can improve productivity, enhance company culture, and make a lasting impression on clients. However, office fit-outs can be expensive
- [Overdraft calculator](https://swoopfunding.com/us/business-loan-calculator/overdraft-calculator/): Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. Use it free here.
- [Delayed payment loans](https://swoopfunding.com/us/business-loans/delayed-payment-loans/): A delayed payment business loan is a type of financing where the borrower does not make payments immediately after receiving funds. Read more or apply here.
- [Business loan for expansion](https://swoopfunding.com/us/business-loans/expansion-loans/): A business expansion loan is a type of commercial financing that helps US businesses grow by providing capital for scaling operations. Apply with Swoop today.
- [Senior debt](https://swoopfunding.com/us/business-loans/senior-debt/): Senior debt is a type of loan or financial obligation that has the highest priority in repayment if a company defaults or goes bankrupt. Find out more here.
- [Business loan for marketing](https://swoopfunding.com/us/business-loans/marketing-loans/): A business marketing loan is a type of financing designed to help businesses fund advertising, branding, and promotional activities to attract customers.
- [Subordinated debt](https://swoopfunding.com/us/business-loans/subordinated-debt/): Subordinated debt – also known as junior debt - is a type of loan that ranks below senior debt in repayment priority. Find out more, or apply for funding here.
- [Middle market loans](https://swoopfunding.com/us/business-loans/middle-market-loans/): Middle-market lending refers to financing provided to mid-sized companies. Read all about middle market finance here, or apply for funding through Swoop.
- [Are notes payable included in working capital?](https://swoopfunding.com/us/business-loans/working-capital-loans/are-notes-payable-included-working-capital/): Notes payable is an agreement where a borrower to repays a specific amount of money to a lender within a set timeframe. See how they effect working capital here
- [How to calculate working capital](https://swoopfunding.com/us/business-loans/working-capital-loans/how-to-calculate-working-capital/): The formula for calculating working capital is; Working Capital = Current Assets - Current Liabilities. Read more about calculating working capital here.
- [What is a change in working capital?](https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-change-working-capital/): Change in working capital is the difference in a company’s net working capital between two accounting periods. Find out how to track changes here!
- [What does working capital requirement measure?](https://swoopfunding.com/us/business-loans/working-capital-loans/what-does-wcr-measure/): Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. Read more or apply for funding here
- [What is a good working capital ratio?](https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-a-good-ratio/): The working capital ratio, also known as the current ratio, measures the relationship between your current assets and current liabilities. Read more here.
- [Bad credit working capital loans](https://swoopfunding.com/us/business-loans/working-capital-loans/bad-credit-working-capital/): it’s still possible to get a working capital loan with bad credit, but you may have to put in more effort and be flexible on the terms. Read how, or apply here.
- [Credit union business loan](https://swoopfunding.com/us/business-loans/credit-union-business-loans/): Typically offering competitive interest rates, low fees and a wide range of financial products, credit unions can be a good alternative when you need a loan.
- [PayPal business loans](https://swoopfunding.com/us/business-loans/paypal-business-loans/): Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some/all their sales. Read more or apply here.
- [How do NGOs get funding?](https://swoopfunding.com/us/business-grants/ngo-funding/): NGOs need consistent funding to sustain their operations and continue making an impact. Swoop offers funding solutions to help NGOs access the finance they need
- [Business-grants in Connecticut](https://swoopfunding.com/us/business-grants/best-business-grants-in-connecticut/): Connecticut provides its own distinguished selection of grant programs aimed at fostering innovation, supporting minority-owned businesses, and entrepreneurs.
- [Small-business grants in Oregon](https://swoopfunding.com/us/business-grants/best-business-grants-in-oregon/): Oregon offers a variety of grant programs aimed at supporting small businesses across industries. Read about them here, or apply with Swoop today.
- [Mini digger finance](https://swoopfunding.com/us/business-loans/asset-finance/mini-digger-finance/): Mini digger finance refers to specialized business loans and leases that organizations can use to obtain the excavating equipment they need. Enquire today!
- [Chauffeur finance](https://swoopfunding.com/us/business-loans/asset-finance/chauffeur-finance/): Chauffeur finance is specialized financing for transport businesses, used to purchase or lease vehicles. Read more or enquire with Swoop today.
- [Forestry equipment finance](https://swoopfunding.com/us/business-loans/asset-finance/forestry-equipment-finance/): Forestry equipment finance is a specialized form of equipment financing, Designed for businesses in the forestry, logging and lumber industries. Enquire today.
- [CNC machine finance](https://swoopfunding.com/us/business-loans/asset-finance/cnc-machine-finance/): CNC machine finance is a form of equipment finance. Businesses use it to buy or lease the big-ticket CNC machinery and equipment they need. Enquire today.
- [Material handling equipment financing](https://swoopfunding.com/us/business-loans/asset-finance/material-handling-equipment-finance/): Material handling equipment is designed to move all kind of goods and materials from A to B, but this comes at a cost. Find out more, or sign up with Swoop today.
- [Crane equipment finance](https://swoopfunding.com/us/business-loans/asset-finance/crane-finance/): Crane finance is a specialized form of equipment financing, spreading the cost of expensive machinery over time. Read more or apply for crane finance here.
- [Supercar finance](https://swoopfunding.com/us/business-loans/asset-finance/supercar-finance/): They go fast, they look great and they cost far more than your typical daily driver. Read more about supercar finance, or arrange your exotic car finance here.
- [​​Accounts receivable financing vs. invoice factoring](https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-accounts-receivables/): When businesses need quick access to cash, they often consider funding options like invoice factoring and accounts receivable financing, but which is best?
- [Invoice factoring vs. invoice discounting: What's the difference?](https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-discounting/): When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting, but which is right for you? Find out here.
- [Business line of credit without revenue](https://swoopfunding.com/us/business-loans/business-line-of-credit/no-revenue/): Business lines of credit without revenue & other types of borrowing for startups are available through Swoop. Read more here, or apply with Swoop today.
- [Car finance settlement calculator](https://swoopfunding.com/us/business-loan-calculator/car-finance-settlement-calculator/): Car finance settlement calculator Our free car finance settlement calculator can help you estimate your final outstanding payment to clear...
- [Car finance calculator](https://swoopfunding.com/us/business-loan-calculator/car-finance-calculator/): Car finance calculator Our free car finance calculator can help you estimate your monthly repayments when taking out finance. Repayments...
- [Customer financing](https://swoopfunding.com/us/business-loans/customer-financing/): When times are tight, customers typically reduce their spending, with expensive goods & services often taking a hit. See how you can customer offer finance here
- [How much business loan can I get](https://swoopfunding.com/us/business-loans/how-much-business-loan-can-i-get/): Loan amounts vary according to the type of loan and what kind of lender is providing funds. Read more on averages here, or how to increase your loan size here.
- [What is business loan collateral](https://swoopfunding.com/us/business-loans/what-is-business-loan-collateral/): You may have heard the term ‘collateral’ before but are unsure what it means or how it works. Find out more here, or apply for funding with Swoop today.
- [Types of collateral you can use to secure a small business loan](https://swoopfunding.com/us/business-loans/collateral-for-business-loan/): Collateral is an asset or property that a borrower offers to a lender as security for a business loan. Read here about its types and how can you secure one.
- [Business loans under $5k](https://swoopfunding.com/us/business-loans/business-loans-under-5k/): $5,000 business loans are small financial transactions designed to cover temporary shortfalls in working capital. Learn more about to get one with Swoop.
- [Business loans for women](https://swoopfunding.com/us/business-loans/business-loans-for-women/): What kind of loans can female business owners obtain? Where can they get them? And how do they choose the best loan for their organization? Find out more.
- [Business loan vs. personal loan](https://swoopfunding.com/us/business-loans/business-loan-vs-personal-loan/): Business loans can be an efficient borrowing to help your business grow but if your financial history is weak, a personal loan for business can be better.
- [Invoice factoring for businesses with bad credit](https://swoopfunding.com/us/business-loans/invoice-factoring/invoice-factoring-for-bad-credit/): Invoice factoring (also known as account receivables financing or invoice financing), functions like a business credit line or a series of short-term bank loans.
- [Alternative business lending](https://swoopfunding.com/us/business-loans/alternative-business-lending/): Alternative business lending is a term for business finance options that are not conventional bank loans. Learn more about alternative lending with Swoop.
- [Commercial real estate](https://swoopfunding.com/us/commercial-real-estate/): The term commercial real estate (CRE) refers to properties that are utilized for business purposes or are leased out to tenants who use them to generate income.
- [Personal loans for business](https://swoopfunding.com/us/business-loans/personal-loans-for-business/): A personal loan is a type of borrowing provided by financial institutions to individuals for various personal expenses. Read on to find out the best loans here.
- [Commercial real estate calculator](https://swoopfunding.com/us/business-loan-calculator/commercial-real-estate-calculator/): By using this free commercial real estate loan calculator, investors can evaluate the financial performance of a property, helping them make informed decisions.
- [Low interest business loans](https://swoopfunding.com/us/business-loans/low-interest-business-loans/): A low-interest business loan is what it says on the tin – commercial financing that comes with reduced interest rates and fees. Read more with Swoop.
- [Hard money business loans](https://swoopfunding.com/us/business-loans/hard-money-business-loans/): Hard money business loans can be a fast and easy source of funding for US business owners if they have sufficient collateral. Read more with Swoop.
- [Business loan for 500 credit score](https://swoopfunding.com/us/business-loans/business-loan-for-500-credit-score/): The truth is, with a personal credit score of 500, your access to business financing will be limited. Read more about how to get one with Swoop.
- [Small business grants in Pennsylvania](https://swoopfunding.com/us/business-grants/small-business-grants-in-pennsylvania/): Business grants are effectively free money – and they’re a great way for Pennsylvania entrepreneurs to launch or finance a business.
- [Iowa small business grants](https://swoopfunding.com/us/business-grants/lowa-small-business-grants/): If you’re an Iowa-based business owner in need of funds, small business grants could be your solution. Learn more with Swoop.
- [Business tax](https://swoopfunding.com/us/business-tax/): Whether you’re a sole trader, a startup, or an SME in the US, you'll need to ensure that your business taxes are in order. Read our free guides here.
- [Business grants for native Americans](https://swoopfunding.com/us/business-grants/business-grants-for-native-americans/): Business grants can provide crucial funding for Native Americans seeking to advance their career, launch a startup, or grow their current business. Learn more.
- [What is a government grant and how do they work?](https://swoopfunding.com/us/business-grants/what-is-a-government-grant-and-how-do-they-work/): Government business grants can be used to support business opportunities, or initiatives in the arts, education, research and more. Learn more with Swoop.
- [Business grants for immigrants](https://swoopfunding.com/us/business-grants/business-grants-for-immigrants/): Available from non-profits, foundations, organizations and government sources, small business grants for immigrants can help to get a startup started.
- [Small business grants in South Carolina](https://swoopfunding.com/us/business-grants/small-business-grants-in-south-carolina/): Small business owners and entrepreneurs in South Carolina can improve their chances of winning a business grant by preparing in advance. Learn more with Swoop.
- [Best small business grants in New York](https://swoopfunding.com/us/business-grants/best-small-business-grants-in-new-york/): If you’re seeking financing and your business is based in New York, you’re in luck. Learn how can you do this with Swoop.
- [Small business grants in New Jersey](https://swoopfunding.com/us/business-grants/small-business-grants-in-new-jersey/): Small business grants can be an excellent way for New Jersey business owners to fund their big ambitions. Learn more with Swoop.
- [Guide to small business grants in Missouri](https://swoopfunding.com/us/business-grants/small-business-grants-in-missouri/): Business grants can help Missouri entrepreneurs start or grow a business, conduct valuable research, even recover their expenses from an export drive.
- [Best business grants in Louisiana](https://swoopfunding.com/us/business-grants/best-business-grants-in-louisiana/): Small business grants can provide crucial funding for Louisiana entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- [Small business grants in Indiana](https://swoopfunding.com/us/business-grants/small-business-grants-in-indiana/): If you’re an Indiana business owner in need of funds, small business grants could be your solution. Learn more about them with Swoop.
- [Small business grants in Illinois](https://swoopfunding.com/us/business-grants/small-business-grants-in-illinois/): Illinois has no shortage of small business grants and they come in many shapes and sizes, which means finding the right grant for you may require some homework.
- [Small business grants in Arizona](https://swoopfunding.com/us/business-grants/small-business-grants-in-arizona/): Small business grants can provide crucial funding for Arizona entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- [Grants for disabled small business owners](https://swoopfunding.com/us/business-grants/grants-for-disabled-small-business-owners/): Available from non-profits, government sources etc., small business grants for business owners with disabilities can help to get a startup off the ground & grow.
- [Top small-business grants in Wisconsin](https://swoopfunding.com/us/business-grants/wisconsin-business-grants/): Small business grants can be an excellent way for Wisconsin business owners to fund their big ambitions. Learn more about them with Swoop.
- [Top small-business grants in Texas](https://swoopfunding.com/us/business-grants/texas-business-grants/): Business grants can provide crucial funding for Texas entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- [Top small-business grants in Ohio](https://swoopfunding.com/us/business-grants/ohio-business-grants/): Business grants can provide crucial funding for Ohio entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- [Top small-business grants in Minnesota](https://swoopfunding.com/us/business-grants/minnesota-business-grants/): Business grants are free money, there’s no need to repay the funds – and they’re a great way for Minnesota entrepreneurs to launch or finance a business.
- [Top small-business grants in Georgia](https://swoopfunding.com/us/business-grants/georgia-business-grants/): If you’re a Georgia business owner in need of funds, small business grants could be your solution. Learn more about grant options with Swoop.
- [Top small-business grants in Florida](https://swoopfunding.com/us/business-grants/florida-business-grants/): Small business grants can provide crucial funding for Florida entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- [Top small-business grants in Colorado](https://swoopfunding.com/us/business-grants/colorado-business-grants/): Small business grants can be an excellent way for Colorado business owners to fund their big ambitions. Learn more about business grants with Swoop.
- [Top small-business grants in California](https://swoopfunding.com/us/business-grants/california-business-grants/): Business grants are free money, there’s no need to repay the funds if you use them. They’re a great way for Californians to launch or finance a business.
- [LGBTQ+ small business grants](https://swoopfunding.com/us/business-grants/lgbtq-small-business-grants/): Starting or growing a small business can be a challenge, especially for LGBTQ+ entrepreneurs who may face additional barriers. Learn more with Swoop.
- [Startup business grants](https://swoopfunding.com/us/business-grants/startup-business-grants/): Government grants are a big source of funding for startups, offering substantial financial support without the need for repayment. Learn more with Swoop.
- [Visiting Angels](https://swoopfunding.com/us/business-loans/franchise-finance/visiting-angels/): Visiting Angels specializes in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 provider in the US. Learn more.
- [Tropical Smoothie Café](https://swoopfunding.com/us/business-loans/franchise-finance/tropical-smoothie-cafe/): Tropical Smoothie Café is the second largest smoothie chain in the US and they claim to think big, priding themselves on innovations. Learn more about it here.
- [Smoothie King](https://swoopfunding.com/us/business-loans/franchise-finance/smoothie-king/): Smoothie King is the healthy juice bar chain that grew big by selling iced fruit drinks full of vitamins and supplements. Learn more with Swoop.
- [Pizza Hut](https://swoopfunding.com/us/business-loans/franchise-finance/pizza-hut/): Pizza Hut is a major player in the globe’s growing pizza industry it operates in more than 100 countries. Learn more about its franchise options with Swoop.
- [Grants for starting a lawn care business](https://swoopfunding.com/us/business-grants/grants-for-starting-a-lawn-care-business/): While there aren’t a ton of niche grants, they can be applied to a variety of industries, including landscaping. Learn more about landscaping grants with Swoop.
- [Grants for trucking business](https://swoopfunding.com/us/business-grants/grants-for-trucking-business/): Trucking grants are funds provided by government agencies, corporations, and non-profit organizations to support new and existing trucking businesses.
- [Jan-Pro](https://swoopfunding.com/us/business-loans/franchise-finance/jan-pro/): Jan-Pro are a franchised cleaning and janitorial services organization, and the leader in a US market worth $96 billion per year. Read more or apply for funding
- [Fastsigns](https://swoopfunding.com/us/business-loans/franchise-finance/fastsigns/): Fastsigns produce custom signs and marketing materials for businesses in the US and seven other countries. Read more about them or apply for financing here.
- [Domino's](https://swoopfunding.com/us/business-loans/franchise-finance/dominos/): In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. Read more about them or apply for financing here.
- [Comfort Keepers](https://swoopfunding.com/us/business-loans/franchise-finance/comfort-keepers/): Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate, Sodexo. Read more about them here.
- [CertaPro](https://swoopfunding.com/us/business-loans/franchise-finance/certapro/): CertaPro Painters are an international painting and decorating business, providing building improvement services to residential & commercial customers.
- [Cinnabon](https://swoopfunding.com/us/business-loans/franchise-finance/cinnabon/): Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls and more. Learn more about it with Swoop, or apply for funding.
- [Currency converter](https://swoopfunding.com/us/business-loan-calculator/currency-converter/): Our currency converter is here to help you stay on top of exchange rates, whether you're on vacation, making an online purchase, or conducting global business.
- [Transworld Business Advisors](https://swoopfunding.com/us/business-loans/franchise-finance/transworld-business-advisors/): Transworld Business Advisors are a franchised consulting organization. They help small business owners to grow, buy or sell their businesses. Learn more here.
- [Signal](https://swoopfunding.com/us/business-loans/franchise-finance/signal/): Signal is a franchised private security company offering a range of security options to residential and business customers. Learn more about it with Swoop.
- [Popeyes franchise](https://swoopfunding.com/us/business-loans/franchise-finance/popeyes/): Popeyes Louisiana Kitchen, more simply known as Popeyes, operates quick-service restaurants that offer a ‘Louisiana- style’ menu. Learn more about it here.
- [Marco's Pizza](https://swoopfunding.com/us/business-loans/franchise-finance/marcos-pizza/): Marco’s Pizza claims to be one of the fastest growing pizza brands in the US, selling a ‘different pizza experience’. Learn more about its franchise here.
- [Kumon franchise](https://swoopfunding.com/us/business-loans/franchise-finance/kumon-franchise/): Kumon is the world’s largest provider of supplementary education, they enhance the teaching children receive in regular school. Learn more about it here.
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# Detailed Content
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### Refinance commercial property
> Refinancing commercial property is a strategic move for businesses and investors looking to reduce financial pressure, unlock capital, or reposition assets for growth.
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/commercial-real-estate/refinance-commercial-property/
Refinance commercial property Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Refinancing commercial property is a strategic move for businesses and investors looking to reduce financial pressure, unlock capital, or reposition assets for growth. Whether you're managing a portfolio of rental units, operating from an owned business premises, or developing real estate, refinancing offers a way to improve your financial footing and long-term flexibility. Here at Swoop, we get it. We know the info overload of commercial finance can feel overwhelming, especially when rates, terms, and lender expectations vary so widely. That’s why this guide was made to cover how commercial refinancing works, why it might be the right move for your business, and what to consider before starting an application. Our goal is to help you understand your options clearly so you can move forward with confidence. Add a header to begin generating the table of contents What does it mean to refinance a commercial property? Refinancing a commercial property means replacing your existing mortgage or loan with a new one( ideally under better terms). That could mean a lower interest rate, a longer repayment term, or tapping into your property's built-up equity. The...
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### Are merchant cash advances tax-deductible?
> What parts of an MCA may be tax-deductible? Cost of capital or financing fees, Processing or administrative charges, Repayments are not deductible as business
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/business-loans/merchant-cash-advance/are-mcas-tax-deductible/
Are merchant cash advances tax-deductible? Join Swoop Key Takeaways Merchant cash advances (MCAs) are not taxable income and repayments are not deductible—but fees, factor rates, and administrative charges may be claimed as business financing expenses. Only the cost of accessing the MCA (not the repayment itself) is tax-deductible, so accurate bookkeeping and separating fees from principal are essential for correct reporting. Common tax mistakes include misclassifying repayments or failing to isolate costs, which can inflate deductions and raise audit risks—professional advice and clear records help avoid issues See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 13, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Merchant cash advances (MCAs) offer fast access to capital, especially for businesses needing immediate working capital. But when tax season rolls around, many business owners are left asking: Are merchant cash advances tax deductible? Here at Swoop, we understand that navigating financing and taxes together can be overwhelming. That’s why this guide breaks down how MCAs work, what you can and can’t deduct, and how to avoid costly tax mistakes, so you can manage your funding and taxes more confidently. Add a header to begin generating the table of contents What is a merchant cash advance (MCA)?...
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### How to record a merchant cash advance on financial statements
> When you receive MCA funds, it’s critical to record the amount correctly in your books to avoid misrepresenting revenue or liabilities. Read more here.
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/business-loans/merchant-cash-advance/how-to-record-a-mca-on-financial-statements/
How to record a merchant cash advance on financial statements Join Swoop Key Takeaways MCAs must be recorded as liabilities, not income, with repayments reducing the liability and fees recorded as financing expenses to ensure accurate financial reporting. Misclassifying MCA transactions can distort profitability, affect tax reporting, and impact future funding eligibility—common mistakes include treating the advance as revenue or failing to separate costs. Best practice involves regular reconciliation, detailed documentation, and using software or professionals familiar with MCA structures to keep your balance sheet and P&L clean and compliant. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Merchant cash advances (MCAs) provide fast access to capital, but they bring unique accounting challenges. Unlike traditional loans, MCAs don’t follow standard interest structures, and repayments are typically deducted daily or weekly from sales, making them tricky to track correctly on your books. At Swoop, we understand how important clean, accurate financial reporting is—not just for tax time, but for managing cash flow, planning growth, and securing future funding. This guide walks you through how to record a merchant cash advance on financial statements, step-by-step. Add a header to begin generating the table of...
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### What happens if you default on a merchant cash advance
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/business-loans/merchant-cash-advance/what-happens-if-you-default/
What happens if you default on a merchant cash advance? Join Swoop Key Takeaways Merchant cash advances (MCAs) offer fast funding but come with high costs, aggressive repayment terms, and serious consequences if you default — including legal action and potential seizure of personal assets. Default can happen quickly if sales drop, payments bounce, or your business closes — often triggering immediate collections, account holds, and damage to your credit. Safer alternatives like business lines of credit, invoice financing, or revenue-based loans offer more transparency and flexibility — and Swoop can help you explore these options. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Merchant cash advances (MCAs) are often marketed as fast, flexible funding for businesses in need of quick capital. But defaulting on an MCA isn’t the same as defaulting on a traditional loan; with that speed can come a high cost and some potentially steep consequences if repayments fall behind. Here at Swoop, we’re all about transparency, and this guide breaks down how MCA defaults happen, what they can trigger legally and financially, and how to approach alternatives through other funding options. Add a header to begin generating the...
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### UCC Loans: What They Are, How They Work, and Who Uses Them
> UCC loans prove there’s more to business financing than just signing an agreement. It also involves understanding how lenders protect themselves. Read more here
- Published: 2025-05-12
- Modified: 2025-05-12
- URL: https://swoopfunding.com/us/business-loans/ucc-loans/
UCC loans Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. There’s more to business financing; rarely is it as simple as just signing a loan agreement. It also involves understanding how lenders protect themselves, which can in turn have effects on you and your business. One common tool lenders use is the UCC filing, and if you’re considering secured funding, it's important to understand how this process affects you. Here at Swoop, we know financing can sometimes feel like a maze, especially when unfamiliar terms like "UCC-1" and "lien priority" start coming into play. That’s why we’ve built this guide to walk you through what a UCC loan really means, how filings work behind the scenes, and what to watch for when structuring your financing, so you can navigate your funding journey with confidence. Add a header to begin generating the table of contents What is a UCC loan? A UCC loan isn't a specific product, it refers to any business loan that involves a UCC-1 financing statement filed by the lender. "UCC" stands for Uniform Commercial Code, a body of laws designed to make business transactions, including lending and secured credit, more predictable across...
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### Credit scores
- Published: 2025-04-29
- Modified: 2025-05-15
- URL: https://swoopfunding.com/us/credit-builder/
Build your credit & unlock more funding options Better credit helps you borrow more and at better rates. Quickly build your credit score to improve your business's financial health, all without the need for a credit card. Get started Why does my credit score matter for business funding? Your credit score plays a key role in not only your chances of securing funding for your business, but also impacts the cost of funding. Better credit means better rates, better loan terms, and more funding choices! See the difference for yourself: Credit Scores 579 740 Interest Rate 47% 15% Total Interest $4,086. 77 $1,246. 50 Savings - $2,840. 27 Get started Need help improving your credit? We've got you covered No credit check required Small, manageable payments Reports directly to credit bureaus to help boost your score Get started How it works Sign up in a few minutes Your payments get reported with the credit bureaus Your credit score improves, helping you qualify for better funding Get started FAQs What is a credit score? Credit scores provide a snapshot out of 100 of the financial health and creditworthiness of an individual or organisation, calculated by measuring payment and default history, levels of debt, legal problems and more. Banks, major suppliers, and lenders will check your credit score to understand your financial position of the level of risk; better credit scores usually lead to lower interest rates and increased lending options. What impacts my credit score? Your credit score is impacted by...
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### Business computer finance
> Computers are no longer a luxury item for businesses, they are an absolute necessity. Read more about computer finance here, or submit an application with Swoop
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/asset-finance/equipment-financing/business-computer-finance/
Business computer finance Add a header to begin generating the table of contents Computers are no longer a luxury item for businesses, they are an absolute necessity. Whether it’s outfitting a remote team with laptops or upgrading desktops for faster performance, access to modern technology can directly impact productivity, data security, and customer service. But replacing or expanding your tech stack often comes with a high upfront cost. That’s where business laptop financing becomes a practical solution. Instead of depleting cash reserves or delaying upgrades, financing allows companies to spread the cost of computers and IT equipment over time— keeping operations running smoothly without compromising financial stability. Add a header to begin generating the table of contents What is computer finance? Computer financing is a type of equipment financing where a business obtains a loan for a specific piece of equipment, in this case computer. But this can also refer to funding solutions that allow businesses to acquire laptops, desktops, and related IT equipment without paying the full cost upfront. It typically involves a loan, lease, or line of credit that covers hardware purchases and sometimes includes software, accessories, and setup costs. Businesses use computer finance for different reasons. Some are launching new offices or remote teams. Others are scaling fast and need to equip new hires. In many cases, companies simply want to avoid the financial strain that comes with large capital purchases. Financing provides a way to invest in technology when it’s needed without waiting for the right...
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### Loans to buy a retiring business
> Did you know that there are millions of business owners in the U.S. approaching retirement age? For aspiring entrepreneurs this presents a unique opportunity.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/loans-to-buy-a-retiring-business/
Loans to buy a retiring business Add a header to begin generating the table of contents Did you know that there are millions of business owners in the U. S. approaching retirement age? It’s called the ‘Silver Tsunami,’ and with it, a growing number are looking to exit their companies and pass them on. For aspiring entrepreneurs or businesses looking to expand, this presents a unique opportunity: acquiring an existing business with a proven track record, a loyal customer base, and an operational infrastructure already in place. But while the opportunity is clear, the cost of acquisition often isn’t small. That’s where loans to buy a retiring business come into play. With the right financing, you can take over a business for sale by an owner retiring without tying up your personal capital or putting undue stress on your company’s cash flow. Add a header to begin generating the table of contents Can you use a loan to buy a retiring business? Yes, you can use a loan to purchase a business from a retiring owner. In fact, acquisition financing is one of the most common ways buyers secure the capital needed for this type of deal. Most lenders recognize the value of acquiring an established business, especially if it has consistent revenue, long-standing clients, and a transition plan in place. Loans can be used to fund the full purchase price or to supplement a combination of cash, seller financing, and investment capital. In many cases, sellers are willing to...
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### Business loans for office space
> A business loan for office space can help you manage these costs without compromising day-to-day operations. Find out more here, or apply with Swoop today.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/business-loans-for-office-space/
Business loans for office space Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Your business's success is likely tied to multiple factors playing out in your favor. One of them being where you are conducting business. Whether you're launching a new venture, expanding your team, or transitioning out of a coworking setup, securing the right office space can mark a major milestone in your business journey. However, leasing or purchasing a commercial space comes with significant upfront costs such as deposits and renovations to furniture, utilities, and ongoing rent or mortgage payments. A business loan for office space can help you manage these costs without compromising day-to-day operations. By spreading the expense over time, you can lock in the location and setup you need while preserving cash flow for other priorities. Add a header to begin generating the table of contents Can a business loan be used to buy or rent office space? Yes. A business loan can be used to either buy or rent office space, depending on your goals and financial position. If you're looking to purchase a property, you might use a commercial real estate loan to finance the acquisition. These loans...
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### Business loan for app development
> Whether you’re launching a customer-facing mobile app or a custom internal platform, financing can give you the runway to build without delaying progress.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/business-loan-for-app-development/
Business loan for app development Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. With smartphones and digital platforms becoming the norm, many small and medium-sized businesses are turning to custom apps to serve their customers better, streamline operations, and stay competitive. But building a high-quality app doesn’t come cheap. Design, development, testing, and deployment all require upfront capital, and for many businesses, that kind of budget isn’t just sitting in the bank. A business loan for app development can help fill the gap. Whether you’re launching a customer-facing mobile app or a custom internal platform, financing can give you the runway to build without delaying progress or stretching your resources thin. Add a header to begin generating the table of contents Can you get a loan to develop an app? Yes, you can use an asset business loan to fund app development. In fact, many businesses finance tech projects just like they would equipment or marketing investments. As long as the app serves a legitimate business purpose (whether that’s generating revenue, improving efficiency, or enhancing customer engagement), it qualifies as a fundable expense in the eyes of most lenders. Business loans can cover a wide...
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### Business loan for hiring
> Hiring new employees is one of the most effective ways to take on more as your business grows, but it can be pricey. Read more, or apply for finance here.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/business-loan-for-hiring/
Business loan for hiring Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Hiring new employees is one of the most effective ways to take on more as your business grows, but it can be pricey. Things such as salaries, benefits, recruitment fees, and training expenses can quickly add up, making it difficult for small businesses to scale at the right pace. A small business loan for hiring can provide the necessary funds to bring in new talent without straining cash flow. Whether you're expanding to meet growing demand or investing in specialized skills, financing can help you make the right hires at the right time. Add a header to begin generating the table of contents Can you use a business loan for recruitment? Yes, business loans can be used to cover recruitment and hiring expenses. While most business owners think of loans as a way to finance equipment or inventory, hiring is just as critical to growth. A loan can help pay for salaries, onboarding costs, and even the tools and technology new employees need to do their jobs. Many businesses also use financing to cover recruitment fees, whether it’s for job postings, hiring agencies,...
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### Office fit out finance
> A well-designed office space can improve productivity, enhance company culture, and make a lasting impression on clients. However, office fit-outs can be expensive
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/office-fit-out-finance/
Office fit out finance Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. A well-designed office space can improve productivity, enhance company culture, and make a lasting impression on clients. However, office fit-outs can be expensive, making financing a practical option for many businesses. Whether you’re relocating, expanding, or refurbishing your existing space, securing the right financing can help manage costs while maintaining cash flow. In this guide, we’ll explore office fit out finance, typical costs, available funding options, and how you can access the right financial solution for your business. Add a header to begin generating the table of contents What is an office ‘fit out’? An office fit-out is the process of stocking an office space with the necessary tools, materials, and furniture needed to operate your business. For example, when first starting out you may want to purchase some large desks for your meeting rooms, cubicles for employees, and laptops for them to work from. The issue then stands– how will you pay for this? Many opt for financing. What is fit out finance? Office fit out finance refers to obtaining the funding needed to help businesses cover the cost of refurbishing, renovating,...
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### Overdraft calculator
> Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. Use it free here.
- Published: 2025-04-02
- Modified: 2025-05-15
- URL: https://swoopfunding.com/us/business-loan-calculator/overdraft-calculator/
Overdraft calculator Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. It typically considers factors such as the overdraft amount, interest rate, and the duration of use. I want to borrow £ . 00 Term 31 days Interest rate 34 % This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Total cost of your overdraft £0 Get a quote What is a business overdraft? A business overdraft facility is a flexible borrowing arrangement that allows a business to withdraw more money than is available in its bank account, up to a pre-approved limit. It is a form of short-term credit designed to help businesses manage cash flow, cover unexpected expenses, or bridge gaps between income and expenses. Key Features:Pre-agreed Limit: The bank sets a maximum amount the business can overdraw. Interest Charges: Interest is typically charged only on the amount overdrawn, not the full limit. Fees: Some banks charge arrangement or renewal fees for maintaining the overdraft. Repayment Flexibility: Funds can be repaid at any time, reducing interest costs. All calculators ADR calculator APY calculator Acid test ratio calculator Amortisation calculator Asset finance calculator Basis point calculator Break even calculator Business loan calculator Business rate calculator Business savings calculator Business valuation calculator Car finance calculator Car finance settlement calculator Cash flow calculator Commercial mortgage calculator Commercial stamp duty calculator Compound annual growth rate calculator...
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### Delayed payment loans
> A delayed payment business loan is a type of financing where the borrower does not make payments immediately after receiving funds. Read more or apply here.
- Published: 2025-03-14
- Modified: 2025-03-14
- URL: https://swoopfunding.com/us/business-loans/delayed-payment-loans/
Business loans with delayed first payment Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 14, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. In business, it makes sense to hold on to your valuable working capital as long as you can. Business loans with delayed payments can push the date of the first repayment instalment off by a few months, or even several years. Add a header to begin generating the table of contents What is a business expansion loan? A delayed payment business loan is a type of financing where the borrower does not make payments immediately after...
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### Business loan for expansion
> A business expansion loan is a type of commercial financing that helps US businesses grow by providing capital for scaling operations. Apply with Swoop today.
- Published: 2025-03-14
- Modified: 2025-03-14
- URL: https://swoopfunding.com/us/business-loans/expansion-loans/
Business expansion loans Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 14, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Expansion loans can help small businesses grow without putting strain on cash flow or selling equity to investors. If your finances are stable and you have a solid plan for growth, an expansion loan may be your best option for investing in the future of your business. Add a header to begin generating the table of contents What is a business expansion loan? A business expansion loan is a type of commercial financing that helps US businesses grow by...
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### Senior debt
> Senior debt is a type of loan or financial obligation that has the highest priority in repayment if a company defaults or goes bankrupt. Find out more here.
- Published: 2025-03-14
- Modified: 2025-03-14
- URL: https://swoopfunding.com/us/business-loans/senior-debt/
Senior debt Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 14, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Senior debt may be the most cost-efficient way to finance your business. Giving lenders repayment priority and providing collateral can lower the interest rate you’ll pay across a range of business loans. Add a header to begin generating the table of contents What is senior debt? Senior debt is a type of loan or financial obligation that has the highest priority in repayment if a company defaults or goes bankrupt. It is typically secured by collateral and carries lower interest...
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### Business loan for marketing
> A business marketing loan is a type of financing designed to help businesses fund advertising, branding, and promotional activities to attract customers.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/us/business-loans/marketing-loans/
Business loans for marketing Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. The old saw that says advertising pays still rings true. Getting your business name out there, building awareness for your products and services and creating a brand identity that draws in your customers are essential actions to succeed. However, marketing activities can be expensive and for businesses without deep pockets, using valuable working capital to fund an ad campaign or promotion can be risky. Business marketing loans are designed to overcome this problem. Don’t put strain on cash...
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### Subordinated debt
> Subordinated debt – also known as junior debt - is a type of loan that ranks below senior debt in repayment priority. Find out more, or apply for funding here.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/us/business-loans/subordinated-debt/
Subordinated debt Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. No matter if you need extra working capital, have an acquisition to fund, must cover a business emergency or you simply want to restructure existing borrowing, subordinated debt may be your best solution. Add a header to begin generating the table of contents What is subordinated debt? Subordinated debt – also known as junior debt - is a type of loan or bond that ranks below senior debt in repayment priority. If a company defaults or goes bankrupt, subordinated debt...
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### Middle market loans
> Middle-market lending refers to financing provided to mid-sized companies. Read all about middle market finance here, or apply for funding through Swoop.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/us/business-loans/middle-market-loans/
Middle market loans Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Not too big, not too small. When it comes to business financing, middle market companies may have the best of both worlds – access some of the financial perks the big guys enjoy, savor the flexibility and variety of loans that support small businesses. Add a header to begin generating the table of contents What is middle market lending? Middle-market lending refers to financing provided to mid-sized companies. These loans can help businesses fund expansion programs, acquisitions, restructuring and...
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### Are notes payable included in working capital?
> Notes payable is an agreement where a borrower to repays a specific amount of money to a lender within a set timeframe. See how they effect working capital here
- Published: 2025-02-05
- Modified: 2025-02-05
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/are-notes-payable-included-working-capital/
Are notes payable included In working capital? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 5, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Here at Swoop, we want you to have the tools and insights needed to make informed financial decisions for your business. Understanding how different liabilities impact your working capital can help you manage cash flow more effectively and keep your operations running smoothly. A common question among business owners is whether notes payable are included in working capital. Here’s all we’ll be covering below:When notes payable are classified as working capital. And when they aren't. A thorough explanation of notes payable. Differences between notes payable and other debts. Add a header to begin generating the table of contents Do notes payable count towards working capital? Yes, if the notes payable are due within the next 12 months. Otherwise, they are classified as long-term liabilities and therefore NOT included in working capital. This is because, within the first 12 months, they are considered current liabilities and get included in working capital calculations. What are notes payable? Notes payable is an agreement where a borrower commits to repaying a specific amount of money to a lender within a set timeframe. These agreements...
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### How to calculate working capital
> The formula for calculating working capital is; Working Capital = Current Assets - Current Liabilities. Read more about calculating working capital here.
- Published: 2025-02-05
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/how-to-calculate-working-capital/
How to calculate working capital Join Swoop Key Takeaways Working capital is the difference between current assets and current liabilities, indicating a business’s short-term financial health. Positive working capital shows financial stability and flexibility; negative working capital can signal cash flow issues but may be normal in some industries. Managing working capital effectively improves cash flow and helps businesses stay agile, especially during growth or seasonal fluctuations. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 5, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Working capital fuels so many aspects of your day-to-day business operations, which as a business owner, you’ve likely encountered. But here at Swoop, we’re all about going the extra mile to make sure you know the ‘what’ behind the ‘why’ when it comes to financial factors. This guide explains what working capital is, how to calculate it, and why it matters for your cash flow management. Add a header to begin generating the table of contents What is working capital? Working capital is the measurement of your company's short-term financial health and operational efficiency. It represents the difference between current assets and current liabilities, which in turn, shows if a business has enough short-term assets to cover...
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### What is a change in working capital?
> Change in working capital is the difference in a company’s net working capital between two accounting periods. Find out how to track changes here!
- Published: 2025-02-05
- Modified: 2025-05-08
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-change-working-capital/
What is a change in working capital? Join Swoop Key Takeaways Change in working capital reflects the difference in net working capital between two periods, highlighting shifts in liquidity caused by variations in assets and liabilities. It can be influenced by factors like accounts receivable/payable, inventory changes, business purchases, loans, investments, and expansion, each affecting short-term cash flow. Tracking and managing this change is crucial for maintaining cash flow, supporting growth, and improving creditworthiness. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 8, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. The last thing you want as a business owner is uncertainty, especially when it comes to your working capital. Keeping track of how your cash flows in and out, and understanding what’s driving those changes, is a basic requirement for staying in control of your finances. At Swoop, we’re here to help you make sense of these shifts and give you the tools to manage them with confidence. Let’s break down what change in working capital means, what causes it, and how it can impact your business. Add a header to begin generating the table of contents Change in working capital explained Change in working capital is the difference in...
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### What does working capital requirement measure?
> Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. Read more or apply for funding here
- Published: 2025-02-05
- Modified: 2025-03-17
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/what-does-wcr-measure/
What does working capital requirement measure? Join Swoop Key Takeaways WCR Basics: Working Capital Requirement (WCR) is the short-term funding needed to run daily operations. Key Formula: (Receivables + Inventory) – Payables; positive WCR means more cash is needed, negative WCR signals efficient operations. Why It Matters: Helps manage cash flow, adapt to seasonal changes, and plan for growth. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on March 17, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Short answer: Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. It provides a snapshot of whether you have enough current assets (like cash and receivables) to cover current liabilities (like payables and expenses). But, of course, there’s more to it than just a simple calculation. A clear understanding of your WCR can help you anticipate cash flow gaps, manage operational costs, and plan for sustainable growth. Keep reading to unpack the details on what WCR is, how to calculate it, and why it’s a big part of efficiency in your business. Add a header to begin generating the table of contents What is a working capital requirement (WCR)? Working capital requirement (WCR) is the...
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### What is a good working capital ratio?
> The working capital ratio, also known as the current ratio, measures the relationship between your current assets and current liabilities. Read more here.
- Published: 2025-02-05
- Modified: 2025-05-08
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-a-good-ratio/
What is a good working capital ratio? Join Swoop Key Takeaways A working capital ratio between 1. 5 and 2. 0 suggests strong financial stability and enough liquidity to cover short-term obligations with a buffer. A ratio below 1 indicates liabilities exceed assets, signalling potential cash flow issues and financial risk. A very high ratio (above 2) may point to inefficient use of assets, with cash or resources sitting idle instead of being reinvested for growth. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 5, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Calculating your business's working capital ratio is one of the simplest and most effective tools to get an idea of your financial standing. It provides a snapshot of whether your company has enough current assets to cover its short-term liabilities. But what makes a working capital ratio “good”? And what does it reveal about your liquidity? Let’s break it down. Add a header to begin generating the table of contents What is a working capital ratio? The working capital ratio, also known as the current ratio, measures the relationship between your current assets and current liabilities. It’s calculated using the formula:Working Capital Ratio = current assets / current...
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### Bad credit working capital loans
> it’s still possible to get a working capital loan with bad credit, but you may have to put in more effort and be flexible on the terms. Read how, or apply here.
- Published: 2025-02-04
- Modified: 2025-02-19
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/bad-credit-working-capital/
Bad credit working capital loans Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 4, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. It’s hard enough securing funding when you have amazing credit. Having a low credit score can make financing a challenge, especially for small businesses. However, it doesn’t have to stop you from getting the working capital you need to keep your business running smoothly. Whether you’re looking to cover day-to-day expenses or fund growth opportunities, there are financing options available, even if your credit isn’t perfect. Let’s break down what bad credit means, your options for getting a working capital loan, and how Swoop can help. Add a header to begin generating the table of contents What is considered ‘bad credit’? Anything below 600 could...
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### Credit union business loan
> Typically offering competitive interest rates, low fees and a wide range of financial products, credit unions can be a good alternative when you need a loan.
- Published: 2024-11-07
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/credit-union-business-loans/
Credit union business loans Review and compare alternatives to credit union loans with Swoop What is your cash goal? How much funding do you require? attach_money What is your annual revenue? attach_money How old is your business? How old is your business? 0-6 months 6-12 months 1-2 years 2-5 years 5+ years Full name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Loading... arrow_back_ios Here are your potential matches Loans Equity Grants Discover your personalized funding matches – it's free and easy! Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on November 8, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some or all their sales. But how does this financing work? Let’s take a look. Add a header to begin generating the table of contents What is a credit union? Credit unions are nonprofit financial institutions owned by...
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### PayPal business loans
> Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some/all their sales. Read more or apply here.
- Published: 2024-11-07
- Modified: 2024-12-13
- URL: https://swoopfunding.com/us/business-loans/paypal-business-loans/
PayPal business loans Secure your alternative to a PayPal business loan with Swoop What is your cash goal? How much funding do you require? attach_money What is your annual revenue? attach_money How old is your business? How old is your business? 0-6 months 6-12 months 1-2 years 2-5 years 5+ years Full name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Loading... arrow_back_ios Here are your potential matches Loans Equity Grants Discover your personalized funding matches – it's free and easy! Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on November 8, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some or all their sales. But how does this financing work? Let’s take a look. Add a header to begin generating the table of contents How does a PayPal business loan work? PayPal Business LoansThis type of financing works...
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### How do NGOs get funding?
> NGOs need consistent funding to sustain their operations and continue making an impact. Swoop offers funding solutions to help NGOs access the finance they need
- Published: 2024-11-05
- Modified: 2024-11-08
- URL: https://swoopfunding.com/us/business-grants/ngo-funding/
How do NGOs get funding? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on November 5, 2024. Next review due October 1, 2025. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. You may have heard the acronym NGO mentioned in reference to humanitarian aid or environmental activism, but NGO stands for non-governmental organization, and they play a significant role in addressing various global challenges. However, like all organizations, NGOs need consistent funding to sustain their operations and continue making an impact. Swoop offers tailored funding solutions to help NGOs access the financial support they need. Whether you're running an NGO or seeking to support one, understanding the funding landscape is essential for long-term success. Add a header to begin generating the table of contents What is an NGO? An NGO, or non-governmental organization, is a non-profit that operates independently from government control, typically to address social, environmental, or humanitarian issues. Some common ones include Save the Children and Oxfam International. NGOs vary in size and focus, with some operating on a global scale, while others work within specific communities or regions. These organizations are essential in advocating for marginalized populations, environmental conservation, and crisis response, among other causes. Types of NGOs There are two main types of NGOs; operation and advocacy. Each type...
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### Business-grants in Connecticut
> Connecticut provides its own distinguished selection of grant programs aimed at fostering innovation, supporting minority-owned businesses, and entrepreneurs.
- Published: 2024-11-05
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-grants/best-business-grants-in-connecticut/
Small business-grants in Connecticut: 2025 Guide Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on January 29, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Connecticut offers a variety of small business grants designed to support entrepreneurs and help them grow their businesses. From state agencies to private organizations, there are plenty of opportunities available to secure funding for everything from startup costs to expansion projects. At Swoop our achievement lies in your ability to access the funding you need to grow or get going. This guide will help you navigate the top small business grants in Connecticut, along with the eligibility criteria and application processes, ensuring you're well-prepared to take advantage of these funding opportunities. Add a header to begin generating the table of contents Small business grants in Connecticut As with many states, Connecticut provides its own distinguished selection of grant programs aimed at fostering innovation, supporting minority-owned businesses, and helping entrepreneurs. Let’s unpack the details of some of the main opportunities below. State Agencies and Innovator ProgramsConnecticut's state agencies, such as the Department of Economic and Community Development (DECD), offer grants and support for businesses, particularly those focused on the tech field. These programs help entrepreneurs and small business owners access capital to...
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### Small-business grants in Oregon
> Oregon offers a variety of grant programs aimed at supporting small businesses across industries. Read about them here, or apply with Swoop today.
- Published: 2024-11-05
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-grants/best-business-grants-in-oregon/
Best small-business grants in Oregon Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on November 5, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Business grants can be a valuable source of financial support, but they often come with high competition and require careful preparation, including a solid understanding of the application process. In this guide, we’ll explore the top grant programs in Oregon, how to apply for them, and the specific opportunities available to help grow your small business. With Swoop as your funding partner, you can also access a range of other financial solutions to complement your grant-seeking efforts, giving your business the support it needs to succeed. Add a header to begin generating the table of contents Small business-grants in Oregon Oregon offers a variety of grant programs aimed at supporting small businesses across industries. These grants provide critical funding to help cover operational costs, expansion, innovation, and recovery from financial hardship. Let’s explore some of these opportunities as well as what they can help Oregon business owners. Business Oregon’s programs Business Oregon, the state's economic development agency, plays a key role in facilitating small business growth through over 80 programs including grants and tax incentives. Rural Business Development Grants of Oregon Operated...
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### Mini digger finance
> Mini digger finance refers to specialized business loans and leases that organizations can use to obtain the excavating equipment they need. Enquire today!
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/mini-digger-finance/
Mini digger finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Fast, nimble, go anywhere – mini diggers provide excellent ground support to large-scale excavators and ‘dozers. However, they may be small and light footed, but these machines often have a sticker price that makes buying them with cash impossible. Mini digger finance is the answer to this problem. Get the excavator you need now, pay over time, eliminate the strain on cash flow. Add a header to begin generating the table of contents What is mini digger finance? Mini digger finance refers to specialized business loans and leases that organizations can use to obtain the excavating equipment they need. This type of financing is more readily...
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### Chauffeur finance
> Chauffeur finance is specialized financing for transport businesses, used to purchase or lease vehicles. Read more or enquire with Swoop today.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/chauffeur-finance/
Chauffeur finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on November 27, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Chauffeur-driven vehicles are a nice way to get around – premium cars, executive services, drivers who exude professional courtesy. However, behind the luxury gloss, chauffeur operators typically face high costs, tough competition and the need to constantly upgrade the transport experience they provide. Funding these types of expenditures out of cash flow can often be prohibitive, which is why many transport operators use chauffeur finance to keep their business wheels turning. But what exactly is chauffeur finance? How does it work and what does it deliver? Read on to find out more. Add a header to begin generating the table of contents What is chauffeur finance? Chauffeur...
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### Forestry equipment finance
> Forestry equipment finance is a specialized form of equipment financing, Designed for businesses in the forestry, logging and lumber industries. Enquire today.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/forestry-equipment-finance/
Forestry equipment finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. The US forestry, logging and lumber industries are worth almost 4% of US GDP, generating hundreds of $billions in revenues every year. As you may expect, industries this big require big investments in big machines, some of which can cost hundreds of $thousands to buy. However, purchasing equipment like this out of cash flow rarely makes economic sense – which is why smart foresters, loggers and lumber yards use forestry equipment finance to buy the machines they need. Read on to find out more. Add a header to begin generating the table of contents What is forestry equipment finance? Forestry equipment finance is a specialized form...
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### CNC machine finance
> CNC machine finance is a form of equipment finance. Businesses use it to buy or lease the big-ticket CNC machinery and equipment they need. Enquire today.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/cnc-machine-finance/
CNC machine finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Computer Numerical Control (CNC) machining is the bedrock of US manufacturing. Controlling everything from industrial lathes and drills to grinders, mills and more, CNC technology can make light work of very complex tasks. However, CNC machinery does not come cheap, and paying for it out of cash flow can be prohibitive. Fortunately, CNC machine finance is here to take the load. Read on to learn more about this form of business funding, how to get it, and what the benefits are. Add a header to begin generating the table of contents What is CNC machine finance? CNC machine finance is a form of equipment finance. Businesses...
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### Material handling equipment financing
> Material handling equipment is designed to move all kind of goods and materials from A to B, but this comes at a cost. Find out more, or sign up with Swoop today.
- Published: 2024-10-08
- Modified: 2025-01-29
- URL: https://swoopfunding.com/us/business-loans/asset-finance/material-handling-equipment-finance/
Material handling equipment finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on December 4, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Factories, warehouses, airports, seaports, logistics centers and more - in many types of location you’ll see specialized machinery keeping business humming. Material handling equipment is designed to move all kind of goods and materials from A to B, but for smart business owners, these expensive machines all have one thing in common: The best way to buy them is with an equipment lease or loan. Add a header to begin generating the table of contents What is material handling equipment finance? Material handling equipment finance is a form of equipment financing, Suitable for businesses in many different industries – manufacturing, agriculture, food processing, construction, logistics...
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### Crane equipment finance
> Crane finance is a specialized form of equipment financing, spreading the cost of expensive machinery over time. Read more or apply for crane finance here.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/crane-finance/
Crane finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. You see them on construction sites, in factories, on farms and at the port. High, low, mobile or fixed, industrial cranes are everywhere and anywhere – providing major muscle when big things are on the move. Without a doubt, many industries and businesses could not function without these huge machines. But with price tags often in the $millions, buying them out of working capital can often be impossible – which is why savvy business owners use crane finance to take the strain. Add a header to begin generating the table of contents What is crane finance? Crane finance is a specialized form of equipment financing, Designed for...
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### Supercar finance
> They go fast, they look great and they cost far more than your typical daily driver. Read more about supercar finance, or arrange your exotic car finance here.
- Published: 2024-10-04
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/supercar-finance/
Supercar finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. They go fast, they look great and they cost far more than your typical daily driver. Supercars are in a different league when it comes to automobiles. But how do you buy one without spending piles of cash? Read on to find out more about supercar financing and what you need to qualify. Add a header to begin generating the table of contents What cars are classed as supercars? Supercars, exotic cars, and hypercars, are all part of an elite class of automobile that pushes the boundaries of luxury, performance, rarity, styling and price. However, as the names suggest, there are subtle differences between these types of...
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### ​​Accounts receivable financing vs. invoice factoring
> When businesses need quick access to cash, they often consider funding options like invoice factoring and accounts receivable financing, but which is best?
- Published: 2024-10-03
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-accounts-receivables/
Accounts receivable financing vs. invoice factoring Add a header to begin generating the table of contents × When businesses need quick access to cash, they often consider funding options that involve their accounts receivable. Two of the most common methods are invoice factoring and accounts receivable financing. While these terms are often used interchangeably, they represent distinct funding solutions with unique features and benefits. Here at Swoop, we aim to provide you with the best funding options available, we also want to provide insight for you to make the best decisions for you and your business. In this guide, we’ll break down the differences between receivable financing and invoice factoring, helping you determine which option best fits your business needs. Add a header to begin generating the table of contents What is invoice factoring? Invoice factoring is a financing solution where a business sells its outstanding invoices to a factoring company (or "factor") at a discount. By doing so, the business immediately receives a percentage of the invoice's value in cash, typically around 70-90%, and the factor takes responsibility for collecting the payment from the customer. Factoring is especially useful for businesses that need a quick cash infusion but can’t wait for their customers to pay their invoices. It can be a lifeline for companies with extended payment terms or those experiencing cash flow challenges. How does invoice factoring work? Invoice factoring takes an outstanding invoice, and sells it over to a factoring company for a percent of its value...
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### Invoice factoring vs. invoice discounting: What's the difference?
> When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting, but which is right for you? Find out here.
- Published: 2024-10-03
- Modified: 2025-05-02
- URL: https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-discounting/
Invoice factoring vs. invoice discounting: What's the difference? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on October 9, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting. While both options allow companies to access the funds tied up in unpaid invoices, they operate in distinct ways. This guide will explain the difference between factoring and discounting, helping you decide which option best suits your business needs. Add a header to begin generating the table of contents What is invoice factoring? Invoice factoring involves selling your unpaid invoices to a third-party company (called a factor) at a discounted rate. In exchange, the factor provides your business with a significant portion of the invoice's value upfront, typically 70-90%. The factor then assumes responsibility for collecting payment from your customers. Once the customer pays the invoice, the factor will give you the remaining balance minus their fees. Invoice factoring is ideal for businesses that need quick access to cash and want to offload the burden of managing collections. However, since the factor interacts directly with your customers, it can impact customer relationships if you’re not careful. What is invoice discounting? Invoice discounting, on...
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### Business line of credit without revenue
> Business lines of credit without revenue & other types of borrowing for startups are available through Swoop. Read more here, or apply with Swoop today.
- Published: 2024-09-30
- Modified: 2024-11-27
- URL: https://swoopfunding.com/us/business-loans/business-line-of-credit/no-revenue/
Business line of credit without revenue Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. It’s the old chicken and egg dilemma – you need a loan to start a new business, but you can’t get a loan until your business is already making money. So, what to do? The good news is that although it is more challenging to obtain funding for a new business without revenues, it’s not impossible. Lines of credit and other types of borrowing for startups and organizations without revenues are available if you prepare in advance... and know where to look. Add a header to begin generating the table of contents What is a line of credit? A business line of credit – also known as a revolving line of credit - is a business loan that functions like a high-value business credit card. Unlike a standard term loan, where you get all the cash in one lump sum, revolving credit lines allow businesses to withdraw as much as they want –...
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### Car finance settlement calculator
- Published: 2024-09-20
- Modified: 2024-09-20
- URL: https://swoopfunding.com/us/business-loan-calculator/car-finance-settlement-calculator/
Car finance settlement calculator Our free car finance settlement calculator can help you estimate your final outstanding payment to clear your outstanding finance. Original loan amount $ . 00 Length of agreement 36 months Monthly payments $ . 00 Final repayment $ . 00 Number of payments made 6 This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Total payments so far $0 Outstanding amount (settlement) $0 Annual percentage rate (APR) 0% Get a quote How to calculate car finance settlement This amount includes the remaining balance, interest, and any early settlement fees. Here's a general formula to calculate the settlement amount manually:Outstanding balance: Start with the total amount still owed on the loan. Early repayment interest: This can vary based on the lender but is often a portion of the remaining interest on the loan. Early settlement fee: Some lenders may charge a fee for early repayment. The calculation would look like the below:Settlement Amount = Outstanding Balance + Interest Adjustment + Early Settlement Fee All calculators 401k retirement calculator ADR calculator APY calculator Acid test ratio calculator Amortization calculator Asset finance calculator Auto loan calculator Basis point calculator Break even calculator Business loan calculator Business savings calculator Business valuation calculator California sales tax calculator Car finance calculator Cash flow calculator Commercial mortgage calculator Commercial real estate calculator Compound annual growth rate calculator Compound interest calculator Cost of equity calculator Currency converter Debt...
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### Car finance calculator
- Published: 2024-09-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-loan-calculator/car-finance-calculator/
Car finance calculator Our free car finance calculator can help you estimate your monthly repayments when taking out finance. Repayments Total borrow Amount borrowed $ . 00 Loan term 5 years Annual percentage rate 10% How much can you repay each month? $ . 00 Loan term 5 years Annual percentage rate 10% This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Monthly repayments $0 Interest payments $0 Total amount $0 Amount you could borrow $0 Interest payments $0 Total amount $0 Get a quote How to calculate car finance payments To calculate your monthly asset finance costs, you'll need the following:Car Price: The total price of the vehicle. Deposit: The amount you're putting down upfront. Loan Term: The number of months or years over which you plan to repay the loan. Interest Rate: The percentage the lender charges on the loan. Final Balloon Payment (Optional): A large payment at the end of some car finance agreements (like PCP). All calculators 401k retirement calculator ADR calculator APY calculator Acid test ratio calculator Amortization calculator Asset finance calculator Auto loan calculator Basis point calculator Break even calculator Business loan calculator Business savings calculator Business valuation calculator California sales tax calculator Cash flow calculator Commercial mortgage calculator Commercial real estate calculator Compound annual growth rate calculator Compound interest calculator Cost of equity calculator Currency converter Debt service coverage ratio calculator Depreciation calculator (straight-line method) Development finance...
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### Customer financing
> When times are tight, customers typically reduce their spending, with expensive goods & services often taking a hit. See how you can customer offer finance here
- Published: 2024-09-13
- Modified: 2024-11-27
- URL: https://swoopfunding.com/us/business-loans/customer-financing/
Customer financing Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. When times are tight, customers typically reduce their spending and more expensive goods and services often take a hit. But it doesn’t have to be like that. Customer financing can encourage your buyers to buy more goods and services and buy more costly items by paying in instalments instead of all at once. Add a header to begin generating the table of contents What is customer financing? Customer financing is a payment program or service that allows customers to purchase goods or services through instalment plans, rather than paying the full amount upfront. Typically offered by retailers or third-party financial institutions, customer financing can include loans, credit plans, or buy-now-pay-later options. This method makes expensive items more accessible by spreading payments over time, often with interest, though some plans may offer interest-free periods. For businesses, customer financing can boost sales, attract more buyers, and increase customer loyalty, while for customers, it provides greater flexibility in managing their...
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### How much business loan can I get
> Loan amounts vary according to the type of loan and what kind of lender is providing funds. Read more on averages here, or how to increase your loan size here.
- Published: 2024-09-13
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-loans/how-much-business-loan-can-i-get/
How much can I borrow with a business loan? Join Swoop Key Takeaways Business loan sizes vary widely – from a few thousand dollars to over $5 million – depending on the loan type, lender, your business's creditworthiness, and collateral. Loan approval and amounts are based on financial metrics like revenue, credit score, debt levels, and affordability, with banks generally stricter than online or alternative lenders. To maximise your loan offer, consider boosting your financial profile, offering extra collateral, or using a loan marketplace like Swoop to compare tailored options and get expert support. See Andrea's profile Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. How big is a business loan? That’s a little like asking ‘how long is a piece of string? ’, because business loans can range from a few $thousand up to the many $millions or even $billions, although these stratospheric deals are strictly reserved for very large organizations with global reach. Meanwhile, back on planet earth, how big are typical business loans and...
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### What is business loan collateral
> You may have heard the term ‘collateral’ before but are unsure what it means or how it works. Find out more here, or apply for funding with Swoop today.
- Published: 2024-09-13
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-loans/what-is-business-loan-collateral/
What is business loan collateral? Join Swoop Key Takeaways Collateral is an asset pledged to secure a loan, helping reduce lender risk and potentially improving loan terms. Common collateral includes property, equipment, inventory, or invoices; not all loans require it. Alternatives without collateral include equipment financing, merchant cash advances, credit cards, crowdfunding, and external investment. See Andrea's profile Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. You may have heard the term ‘collateral’ before but are unsure what it means or how it works. Essentially, collateral offsets risk when lenders provide a loan. It’s a simple trade-off - you provide assets that lenders can sell if you default on the loan and they provide you with the funds your business needs. Add a header to begin generating the table of contents What is collateral? Collateral is an asset or property that a borrower offers to a lender as security for a business loan. If the borrower fails to repay the loan, the lender can seize the collateral...
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### Types of collateral you can use to secure a small business loan
> Collateral is an asset or property that a borrower offers to a lender as security for a business loan. Read here about its types and how can you secure one.
- Published: 2024-09-09
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/collateral-for-business-loan/
Types of collateral you can use to secure a small business loan Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset You may have seen small business loans described as ‘secured’ or ‘unsecured’ but be usure what that means. In fact, all it means is that the borrower provides collateral to protect the lender in a secured loan and no collateral when the debt is unsecured. So, what is collateral? How does it work, what assets can you use, and how are they valued? Read on to find out more. Add a header to begin generating the table of contents What...
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### Business loans under $5k
> $5,000 business loans are small financial transactions designed to cover temporary shortfalls in working capital. Learn more about to get one with Swoop.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/business-loans-under-5k/
Business loans under $5k Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Sometimes in business your ambitions can be stunted by the lack of a small amount of cash – often less than $5,000. Unplanned cashflow dips, business emergencies, sudden opportunities – many kinds of event can leave you short of cash when you least expect it – and in some instances, these minor issues can open the door to bigger problems down the road. Fortunately, there’s an answer to this dilemma: Small business loans for $5k or less can plug financial gaps and keep your business moving forwards. Use...
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### Business loans for women
> What kind of loans can female business owners obtain? Where can they get them? And how do they choose the best loan for their organization? Find out more.
- Published: 2024-09-06
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-loans/business-loans-for-women/
Business loans for women Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Females make up more than 50% of the US population, but only 39% of US businesses are currently owned by women. A lack of funding for female entrepreneurs to support start-ups, fuel expansion plans, and buy property and equipment, is named as a key reason business ownership by women is so low. Fortunately, this situation is changing, as more independent providers are joining the US business lending market and making more funding available for women entrepreneurs to close the gender-finance gap. But what kind of loans can female business owners obtain? Where can they get them? And how do they choose the best loan for their organization? Read on to find out more. Add a header to begin generating the table of contents Challenges women face in business financing It’s seldom easy to launch or grow a small business, but female entrepreneurs typically face additional challenges in their quest for business success. Common problems include....
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### Business loan vs. personal loan
> Business loans can be an efficient borrowing to help your business grow but if your financial history is weak, a personal loan for business can be better.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/business-loan-vs-personal-loan/
Business loan vs. personal loan Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 6, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset You may be an entrepreneur who needs cash to get their start-up off the ground, or you could be a business owner who needs more working capital. Either way, you’ll always want the fastest, most efficient type of borrowing to help your business grow. In many cases, this will usually mean a business loan that’s shaped to fit your business, but if your company is new or your financial history is weak, a personal loan for business use may be a better way to go. Add a...
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### Invoice factoring for businesses with bad credit
> Invoice factoring (also known as account receivables financing or invoice financing), functions like a business credit line or a series of short-term bank loans.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/invoice-factoring/invoice-factoring-for-bad-credit/
Invoice factoring for businesses with bad credit Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 6, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset It only takes one financial misjudgment or a streak of bad luck to see your good credit turned into bad credit and then you’re locked out from many types of business loan. However, it doesn’t have to be like that. Read on to find out more about invoice factoring for businesses with bad credit, and how you can quickly unleash the value of your unpaid invoices to help your business grow. Add a header to begin generating the table of contents How does invoice factoring...
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### Alternative business lending
> Alternative business lending is a term for business finance options that are not conventional bank loans. Learn more about alternative lending with Swoop.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/alternative-business-lending/
Alternative business lending Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset When your business requires a loan but your traditional bank says ‘no’, or you can’t wait weeks or months for loan approval, fast and flexible alternative business lending may be the best solution for your funding needs. Add a header to begin generating the table of contents What is alternative business lending? Alternative business lending is a term for business finance options that are not conventional bank loans. Also known as ‘online lending’ this type of funding is provided by nonbank lenders such as fintech companies or private investors...
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### Commercial real estate
> The term commercial real estate (CRE) refers to properties that are utilized for business purposes or are leased out to tenants who use them to generate income.
- Published: 2024-08-19
- Modified: 2024-08-27
- URL: https://swoopfunding.com/us/commercial-real-estate/
Commercial real estate Buying commercial real estate can provide security and a wealth base for your small business, giving you a solid foundation to grow and prosper. What is commercial real estate? The term ‘commercial real estate’ (CRE) refers to properties that are utilized for business purposes and are primarily leased out to tenants who use them for income-generating activities. The scope of commercial real estate is very broad and can encompass a wide range of property types, from small individual storefronts and large shopping malls, to factories, office blocks, gas stations, theaters and more. Alternatively, you could buy commercial real estate as an investment – generate good cash flow from tenant rents and service charges while your property value increases. Commercial real estate types Commercial real estate test How to buy commercial real estate Commercial real estate loan down payment Commercial real estate due diligence Commercial real estate auction Commercial real estate bridge loans Commercial real estate construction loans Commercial real estate insurance Commercial real estate investment Commercial real estate loans Commercial real estate loans with no down payment How to invest in commercial real estate What is commercial real estate? What are the different types of commercial real estate property? Any kind of building or property that is used for business purposes can be classed as commercial real estate. Most CRE falls into the following categories of property:1. OfficeOffice buildings may be categorized as either urban or suburban. Urban office buildings often include skyscrapers and high-rise properties, sometimes...
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### Personal loans for business
> A personal loan is a type of borrowing provided by financial institutions to individuals for various personal expenses. Read on to find out the best loans here.
- Published: 2024-07-31
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/personal-loans-for-business/
Personal loans for business Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 7, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset You may be an entrepreneur who needs cash to get their start-up off the ground, or you could be a business owner who can’t wait for a traditional business loan to fund. Either way, a personal loan that relies on your personal credit score and income instead of your business’ performance may be a viable alternative to commercial financing. Add a header to begin generating the table of contents What is a personal loan? A personal loan is a type of borrowing provided by financial institutions to individuals...
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### Commercial real estate calculator
> By using this free commercial real estate loan calculator, investors can evaluate the financial performance of a property, helping them make informed decisions.
- Published: 2024-07-30
- Modified: 2024-08-29
- URL: https://swoopfunding.com/us/business-loan-calculator/commercial-real-estate-calculator/
Commercial real estate calculator Use our simple commercial real estate calculator to get an idea of what your monthly repayments could be and how much interest you will pay throughout the term of your real estate loan. By using this commercial real estate calculator, investors can evaluate the financial performance of a property, helping them make informed decisions. × Commercial real estate calculator formula: Calculating the cost of a commercial real estate loan involves understanding several key factors, including the loan amount, interest rate, loan term, and any additional fees. Here’s a detailed guide on how to compute the total cost of a commercial real estate loan:Elements in calculating a commercial real estate loanLoan amount: The principal amount borrowed to purchase the property. Interest rate: The annual interest rate charged on the loan. Loan term: The duration over which the loan is to be repaid. Monthly loan payment: The amount paid monthly, which includes both principal and interest. Total interest paid: The total amount of interest paid over the life of the loan. Additional fees: Fees such as origination fees, closing costs, appraisal fees, and other related expenses. Step-by-step calculation1. Monthly loan paymentThe monthly loan payment can be calculated using the formula for a fixed-rate mortgage:M = P * Where:M = Monthly paymentP = Loan amount (principal)r = Monthly interest rate (annual interest rate divided by 12)n = Total number of payments (loan term in years multiplied by 12)2. Total interest paidTotal interest paid over the life of the loan...
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### Low interest business loans
> A low-interest business loan is what it says on the tin – commercial financing that comes with reduced interest rates and fees. Read more with Swoop.
- Published: 2024-07-29
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/low-interest-business-loans/
Low interest business loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 29, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Interest charges on business loans can add up, sometimes leaving US business owners paying thousands or even tens of thousands of dollars over the term of the loan. However, there are other options: Low-interest business loans are specialized commercial financing options that come with favorable interest rates and lower fees that can significantly reduce the cost of borrowing. Read on to find out more about these types of loans and how you can get one. Add a header to begin generating the table of contents What is a...
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### Hard money business loans
> Hard money business loans can be a fast and easy source of funding for US business owners if they have sufficient collateral. Read more with Swoop.
- Published: 2024-07-29
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/hard-money-business-loans/
Hard money business loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 29, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Hard money business loans can be a fast and easy source of funding for US business owners if they have sufficient collateral. However, this type of financing is usually short-term, comes with high interest rates and fees and can be risky for the borrower. Add a header to begin generating the table of contents What is a hard money business loan? A hard money business loan is a secured business loan that requires the borrower to provide collateral to the lender. Hard money loans are typically provided by...
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### Business loan for 500 credit score
> The truth is, with a personal credit score of 500, your access to business financing will be limited. Read more about how to get one with Swoop.
- Published: 2024-07-29
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/business-loan-for-500-credit-score/
Business loan for 500 credit score Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 29, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset It doesn’t take much to see your personal credit score fall to 500 or even less. One financial misjudgment or a streak of bad luck can turn your good credit into bad credit and then you’re barred from many types of business loan. However, it doesn’t have to be like that. By preparing in advance and tailoring your loan request to match your financial situation, you may still be able to obtain the funds you need even with a credit score of 500 or below. Add...
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### Small business grants in Pennsylvania
> Business grants are effectively free money – and they’re a great way for Pennsylvania entrepreneurs to launch or finance a business.
- Published: 2024-07-29
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-pennsylvania/
Small business grants in Pennsylvania Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Pennsylvania entrepreneurs to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents Best small business grants in Pennsylvania If you’re looking for a small business grant and you’re based in the Keystone State, you’re in luck. There are many grant programs to choose from....
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### Iowa small business grants
> If you’re an Iowa-based business owner in need of funds, small business grants could be your solution. Learn more with Swoop.
- Published: 2024-07-29
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/lowa-small-business-grants/
Iowa small business grants Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset If you’re an Iowa-based business owner in need of funds, small business grants could be your solution. Provided by government departments, corporations, foundations and other organizations, business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents How do I get a small business grant in Iowa? Small business owners and entrepreneurs in Iowa can improve their chances of winning a business grant by preparing in advance....
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### Business tax
> Whether you’re a sole trader, a startup, or an SME in the US, you'll need to ensure that your business taxes are in order. Read our free guides here.
- Published: 2024-07-22
- Modified: 2024-07-22
- URL: https://swoopfunding.com/us/business-tax/
Business tax Discover a funding solution for your business that meets the demands of your sector Business loans If you need quick access to finance to relieve your tax burden, you can view funding options here. read more Working capital loans Many businesses go through periods when cash is tight. Some companies have fluctuating sales cycles that make this problem a regular occurrence. read more Invoice finance Invoice financing lets you complete an order, send a bill, and have funds advanced to you in 48 hours or less. Then you have the cash you need to buy materials, cover expenses and grow. read more Asset based lending Asset-based lending is a common way for businesses to improve their working capital if access to traditional financing options has proven to be difficult. read more
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### Business grants for native Americans
> Business grants can provide crucial funding for Native Americans seeking to advance their career, launch a startup, or grow their current business. Learn more.
- Published: 2024-07-16
- Modified: 2024-07-16
- URL: https://swoopfunding.com/us/business-grants/business-grants-for-native-americans/
Business grants for Native Americans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 16, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants can provide crucial funding for Native Americans seeking to advance their career, launch a startup, or grow their current business. Although grants are typically competitive and may come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents How can Native Americans get a small business grant? Native American business owners...
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### What is a government grant and how do they work?
> Government business grants can be used to support business opportunities, or initiatives in the arts, education, research and more. Learn more with Swoop.
- Published: 2024-07-16
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-grants/what-is-a-government-grant-and-how-do-they-work/
What is a government grant and how do they work? Join Swoop Key Takeaways US government grants offer vital, non-repayable funding to small businesses and non-profits, but involve strict eligibility, complex applications, and high competition. Grants are awarded at federal, state, and local levels, often tied to specific purposes, with funding typically disbursed in stages. Alternatives to grants include various forms of business loans and financing, many of which require less documentation and offer faster access to funds. See Andrea's profile Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Across the US, local, state and federal government bodies provide grants for small businesses and non-profits. Collectively, these authorities are the nation’s biggest source of grant money and services. Getting a government grant can take your business, initiative or special project to the next level and beyond. Read on to find out all you need to know about this important source of funding. Add a header to begin generating the table of contents How do government grants work?...
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### Business grants for immigrants
> Available from non-profits, foundations, organizations and government sources, small business grants for immigrants can help to get a startup started.
- Published: 2024-07-15
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/business-grants-for-immigrants/
Business grants for immigrants Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset It’s never easy getting a new venture off the ground or taking an existing business to the next level – lack of cash, limited commercial experience and low customer awareness can hinder even the best idea and preparations. However, if you’re an immigrant entrepreneur, the hurdles to success can be even higher. Being new to the US, immigrants often lack the minimum credit and business histories to get the funds they need to launch or grow a business. Fortunately, there’s a solution to this problem. Available from non-profits,...
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### Small business grants in South Carolina
> Small business owners and entrepreneurs in South Carolina can improve their chances of winning a business grant by preparing in advance. Learn more with Swoop.
- Published: 2024-07-15
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-south-carolina/
Small business grants in South Carolina Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Provided by government departments, corporations, foundations and other organizations, small business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents How to get a small business grant in South Carolina Small business owners and entrepreneurs in South Carolina can improve their chances of winning a business grant by preparing in advance. Key tasks to take care of include:Identify your need for the grant. Why...
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### Best small business grants in New York
> If you’re seeking financing and your business is based in New York, you’re in luck. Learn how can you do this with Swoop.
- Published: 2024-07-15
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/best-small-business-grants-in-new-york/
Best small business grants in New York Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for New Yorkers to launch or finance a business or create opportunities to support their community. NY State Trade Expansion Program (STEP)The NY State Trade Expansion Program provides grants to small businesses entering the export market. Funds can be used for virtual services, compliance testing, export training workshops, international marketing campaigns, foreign market sales trips and...
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### Small business grants in New Jersey
> Small business grants can be an excellent way for New Jersey business owners to fund their big ambitions. Learn more with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-new-jersey/
Small business grants in New Jersey Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can be an excellent way for New Jersey business owners to fund their big ambitions. Unlike commercial loans, grants are free money – they do not need to be repaid – and credit scores and many of the usual requirements of commercial lending typically do not apply. Add a header to begin generating the table of contents How do small business grants work? Provided by government departments, corporations, foundations and other organizations, business grants can be used to support business opportunities, or initiatives...
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### Guide to small business grants in Missouri
> Business grants can help Missouri entrepreneurs start or grow a business, conduct valuable research, even recover their expenses from an export drive.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-missouri/
Guide to small business grants in Missouri Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants can help Missouri entrepreneurs start or grow a business, conduct valuable research, complete a project, even recover their expenses from an export drive. Add a header to begin generating the table of contents Types of small business grants The basic premise of all business grants is the same – it’s free money that your business does not have to pay back – but the funds can be used for many different purposes, such as financing business innovation, community improvements, export growth, technology advancement,...
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### Best business grants in Louisiana
> Small business grants can provide crucial funding for Louisiana entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/best-business-grants-in-louisiana/
Best business grants in Louisiana Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can provide crucial funding for Louisiana entrepreneurs seeking to launch a startup or grow their current business. Although business grants are typically difficult to secure and often come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents Best business grants available in the state of Louisiana: STEP grantsThe STEP...
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### Small business grants in Indiana
> If you’re an Indiana business owner in need of funds, small business grants could be your solution. Learn more about them with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-indiana/
Small business grants in Indiana Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset If you’re an Indiana business owner in need of funds, small business grants could be your solution. Provided by government departments, corporations, foundations and other organizations, business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents How do I get a small business grant in Indiana? Small business owners and entrepreneurs in Indiana can improve their chances of winning a business grant by preparing in...
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### Small business grants in Illinois
> Illinois has no shortage of small business grants and they come in many shapes and sizes, which means finding the right grant for you may require some homework.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-illinois/
Small business grants in Illinois Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Illinois entrepreneurs to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents Types of grants for small businesses in Illinois: Illinois has no shortage of small business grants and they come in many shapes and sizes, which means finding the right grant for you...
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### Small business grants in Arizona
> Small business grants can provide crucial funding for Arizona entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-arizona/
Small business grants in Arizona Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can provide crucial funding for Arizona entrepreneurs seeking to launch a startup or grow their current business. Although business grants are typically difficult to secure and often come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents How do business grants work? Provided by Government departments, corporations, foundations and...
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### Grants for disabled small business owners
> Available from non-profits, government sources etc., small business grants for business owners with disabilities can help to get a startup off the ground & grow.
- Published: 2024-07-04
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/grants-for-disabled-small-business-owners/
Grants for disabled small business owners Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Almost 2 million US small businesses are owned by people with disabilities and working for yourself is more popular with disabled entrepreneurs than it is for people in the general workforce. However, like most other small business owners, entrepreneurs with disabilities frequently encounter problems securing funds to launch or grow their business. This can hold them back and limit their success. Fortunately, there’s a solution to this problem. Available from non-profits, foundations, organizations and government sources, small business grants for business owners with disabilities can help...
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### Top small-business grants in Wisconsin
> Small business grants can be an excellent way for Wisconsin business owners to fund their big ambitions. Learn more about them with Swoop.
- Published: 2024-07-04
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/wisconsin-business-grants/
Top small-business grants in Wisconsin Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can be an excellent way for Wisconsin business owners to fund their big ambitions. Unlike commercial loans, grants are free money – they do not need to be repaid – and credit scores and many of the usual requirements of commercial lending typically do not apply. Add a header to begin generating the table of contents How do small-business grants work? Wisconsin business owners seeking grant funding should expect a lengthy application process, typically needing to meet strict guidelines, timelines and other qualifying criteria....
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### Top small-business grants in Texas
> Business grants can provide crucial funding for Texas entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/texas-business-grants/
Top small-business grants in Texas Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Texans to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents How do I get a small business grant in Texas? Texas small business owners and entrepreneurs can improve their chances of winning a business grant by preparing in advance. Key tasks to take...
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### Top small-business grants in Ohio
> Business grants can provide crucial funding for Ohio entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/ohio-business-grants/
Top small-business grants in Ohio Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants can provide crucial funding for Ohio entrepreneurs seeking to advance their career, launch a startup, or grow their current business. Although small business grants are typically difficult to secure and come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents Ohio-specific small business grants If you’re in Ohio and you’re...
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### Top small-business grants in Minnesota
> Business grants are free money, there’s no need to repay the funds – and they’re a great way for Minnesota entrepreneurs to launch or finance a business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/minnesota-business-grants/
Top small-business grants in Minnesota Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Minnesota entrepreneurs to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents How do small business grants work? Provided by Government departments, corporations, foundations and other organizations, small business grants deliver funding that can be used to support business opportunities, or initiatives in the...
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### Top small-business grants in Georgia
> If you’re a Georgia business owner in need of funds, small business grants could be your solution. Learn more about grant options with Swoop.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/georgia-business-grants/
Top small-business grants in Georgia Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset If you’re a Georgia business owner in need of funds, small business grants could be your solution. Provided by Government departments, corporations, foundations and other organizations, business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents Georgia small business grants Covering everything from agricultural development to urban renewal, Georgia provides a wide range of small business grants for qualifying businesses. Here are a few to...
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### Top small-business grants in Florida
> Small business grants can provide crucial funding for Florida entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/florida-business-grants/
Top small-business grants in Florida Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can provide crucial funding for Florida entrepreneurs seeking to advance their career, launch a startup, or grow their current business. Although business grants are typically difficult to secure and come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. There’s no debt to carry. Add a header to begin generating the table of contents How do I get a small business grant in...
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### Top small-business grants in Colorado
> Small business grants can be an excellent way for Colorado business owners to fund their big ambitions. Learn more about business grants with Swoop.
- Published: 2024-06-28
- Modified: 2024-11-27
- URL: https://swoopfunding.com/us/business-grants/colorado-business-grants/
Top small-business grants in Colorado Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Small business grants can be an excellent way for Colorado business owners to fund their big ambitions. Unlike commercial loans, grants are free money – they do not need to be repaid – and credit scores and many of the usual requirements of commercial lending typically do not apply. Add a header to begin generating the table of contents How do small business grants work? Colorado business owners seeking grant funding should expect a lengthy application process, typically needing to meet strict guidelines, timelines and other qualifying criteria. Additionally, they should be aware that competition for this type of funding is often fierce and even if they do qualify, the award sum may be small, requiring them to seek additional finance. Many business grants are tied to specific goals – entrepreneurial, educational, creative and motivational – and selection committees have full control of the award process and the sums distributed. As well as meeting...
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### Top small-business grants in California
> Business grants are free money, there’s no need to repay the funds if you use them. They’re a great way for Californians to launch or finance a business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/california-business-grants/
Top small-business grants in california Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Californians to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents How do business grants work? Provided by Government departments, corporations, foundations and other organizations, business grants can be used to support business opportunities, or initiatives in the arts, education, research and more. However,...
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### LGBTQ+ small business grants
> Starting or growing a small business can be a challenge, especially for LGBTQ+ entrepreneurs who may face additional barriers. Learn more with Swoop.
- Published: 2024-06-28
- Modified: 2025-03-17
- URL: https://swoopfunding.com/us/business-grants/lgbtq-small-business-grants/
LGBTQ+ Small business grants and resources Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Starting or growing a small business can be a challenge, especially for LGBTQ+ entrepreneurs who may face additional barriers. Fortunately, there are specific business grants and resources available to support LGBTQ+ businesses. This guide will help you understand the various grants and resources that can provide the financial support you need. Add a header to begin generating the table of contents How much do you need? Before applying for any grant, it’s important to determine how much funding you require. This involves assessing:Startup costs: Initial expenses such as equipment, permits, and initial inventory. These are essential to get your business off the ground. Operational costs: Ongoing expenses, including rent, utilities, salaries, and marketing. These costs are crucial for maintaining business operations and should be carefully estimated. Expansion costs: Costs associated with scaling your business, like new locations or additional staff. Planning for growth ensures your business can seize new opportunities without financial strain. Having a clear financial plan will help you choose the right grant and improve your chances of securing funding. Use financial planning tools or consult with a financial...
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### Startup business grants
> Government grants are a big source of funding for startups, offering substantial financial support without the need for repayment. Learn more with Swoop.
- Published: 2024-06-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-grants/startup-business-grants/
Startup business grants Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Starting a new business is an exciting venture, but finding the funds to get your startup off the ground can be challenging. Fortunately, there are numerous startup business grants available that provide free funding to help entrepreneurs launch and grow their businesses. Here at Swoop we help you explore various types of grants, including those offered by the government, private companies, and nonprofits, as well as small-business incubator programs. We'll also discuss how to apply for these grants and consider alternative funding options if grants aren't suitable for your needs. Add a header to begin generating the table of contents Government startup business grants and resources Government grants are a big source of funding for startups, offering substantial financial support without the need for repayment. These grants often come with specific requirements and are designed to support various business activities, such as research and development, innovation, and support for minority-owned businesses. Grants. gov Grants. gov is the primary resource for finding and applying for federal grants. This platform is a comprehensive database of all grant programs offered by the U. S. government. What is...
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### Visiting Angels
> Visiting Angels specializes in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 provider in the US. Learn more.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/visiting-angels/
Visiting Angels franchise Hassle-free business loans to start your Visiting Angels franchise. Get started Visiting Angels specializes in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 ranked provider in the US senior care industry. Visiting Angels business details Visiting Angels were founded in 1991 and are based in Bryn Mawr, Pennsylvania. They have offered franchise opportunities since 1998. The company provides non-medical professional care services to adult clients, with caregivers working in their clients’ homes. As well as the US, Visiting Angels operate in Canada, Mexico, South Korea and the UK. They currently support over 15,000 clients and employ almost 16,000 caregivers worldwide. Visiting Angels at a glance:US stores: Approximately 600Required Investor net worth: $110,000Required investor liquid cash: $110,000Min. investment: $125,000Max. investment: $171,000Standard franchise term: 10 years Can I start a Visiting Angels franchise? Starting a Visiting Angels franchise must be one of the easier business opportunities to get into. You’ll need a minimum net worth and liquid cash requirements of $110k each and you must rent or purchase a commercial location as your administration hub. But after that, there are few hurdles left to climb. Visiting Angels do not ask that franchisees have previous experience in the care industry, and you do not need a medical license to operate a care company (although that obviously would be an advantage). Franchise owners are also not required to participate in the daily running of the office. You can hire...
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### Tropical Smoothie Café
> Tropical Smoothie Café is the second largest smoothie chain in the US and they claim to think big, priding themselves on innovations. Learn more about it here.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/tropical-smoothie-cafe/
Tropical Smoothie Café franchise Hassle-free business loans to start your Tropical Smoothie Café franchise. Get started Tropical Smoothie Café is the second largest smoothie chain in the US and they claim to think big, priding themselves on innovations that give franchise owners more bang for the buck with everything they sell. Tropical Smoothie Café business details What began as a single juice bar on the beach in Destin, Florida has now become a national brand with more than 1400 locations across the country. Tropical Smoothie Café sells premium smoothies as well as sandwiches, flatbreads, wraps, and salads. They are headquartered in Atlanta, Georgie and have offered franchise opportunities since 1998. Tropical Smoothie Café at a glance:US stores: Approximately 1400Required Investor net worth: $350,000Required investor liquid cash: $125,000Min. investment: $300,000Max. investment: $720,000Standard franchise term: 15 years Can I start a Tropical Smoothie Café franchise? You can if you have a minimum net worth of $350k and at least $125k in liquid cash. Tropical Smoothie Café say their ideal franchisee should understand their culture and business model and have previous experience in running a business (not necessarily in hospitality). They also say that franchise owners are not required to participate in the daily operations of the store. You can hire a manager to do that work for you. This means this opportunity may be suitable for passive investment. How much does a Tropical Smoothie Café franchise cost? Set-up costs for a Tropical Smoothie Café store start at a more affordable $300,000 but...
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### Smoothie King
> Smoothie King is the healthy juice bar chain that grew big by selling iced fruit drinks full of vitamins and supplements. Learn more with Swoop.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/smoothie-king/
Smoothie King franchise Hassle-free business loans to start your Smoothie King franchise. Get started Smoothie King is the healthy juice bar chain that grew big by selling iced fruit drinks full of vitamins and supplements. They operate more than 740 franchised locations across the US and over 1,350 stores worldwide. Smoothie King business details Founded in 1973 and headquartered in Coppell, Texas, Smoothie King sells handcrafted smoothies made with fresh fruit and organic vegetables; plus nutritional supplements blended to order using proprietary recipes. Stores also offer vitamins, herbs, minerals, and a myriad of supplements and snack items. Smoothie King claims to be the world’s largest smoothie retailer. They have offered franchise opportunities since 1988. Smoothie King at a glance:US stores: Approximately 740 Required Investor net worth: $350,000Required investor liquid cash: $150,000Min. FICO credit score: 700Min. investment: $300,000Max. investment: $1,267,000Standard franchise term: 10 years Can I start a Smoothie King franchise? You’ll need a minimum net worth of $350k, liquid cash of $150k and a very good credit score to qualify for a Smoothie King franchise. If you can get past these obstacles, you could then spend $1. 2 million or more to get your business off the ground – a cost that may have you reaching for the vitamins and supplements instead of selling them. Note that the company prefers franchisees with proven experience in retailing and/or hospitality and if you have a background in the health and fitness industry that would also help. The good news is that franchisees...
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### Pizza Hut
> Pizza Hut is a major player in the globe’s growing pizza industry it operates in more than 100 countries. Learn more about its franchise options with Swoop.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/pizza-hut/
Pizza Hut franchise Hassle-free business loans to start your Pizza Hut franchise. Get started Second only to Domino’s, Pizza Hut is a major player in the globe’s growing pizza industry. The company operates in more than 100 countries and had total US sales of $5. 2 billion in 2022. Pizza Hut business details Pizza Hut began life as a single restaurant in Wichita, Kansas in 1958. More than 65 years later, the company has corporate headquarters in Plano Texas, over 6,700 stores in the US and more than 19,000 outlets worldwide. Pizza Hut have offered franchise opportunities since 1959 and are a wholly owned subsidiary of global conglomerate, Yum Brands. Pizza Hut at a glance:US stores: Approximately 6700 Required Investor net worth: $700,000Required investor liquid cash: $350,000Min. investment: $412,000Max. investment: $2,053,000Standard franchise term: 10 years Can I start a Pizza Hut franchise? Like all the major fast-food brands, getting into a Pizza Hut franchise can be expensive. You’ll also need a minimum net worth of $700k and liquid cash of $350k or more. As well as the steep financial requirements, the company prefers franchisees who have solid experience in the hospitality industry and, ideally, have previously worked in a managerial or supervisory capacity in a Pizza Hut store. They also like their franchisees to take an active role in the daily running of the restaurant. This franchise may not be suitable for passive investment. How much does a Pizza Hut franchise cost? Pizza Hut set-up costs vary from a modest...
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### Grants for starting a lawn care business
> While there aren’t a ton of niche grants, they can be applied to a variety of industries, including landscaping. Learn more about landscaping grants with Swoop.
- Published: 2024-06-17
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/grants-for-starting-a-lawn-care-business/
Grants for starting a lawn care business Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2025. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. × Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Linkedin Add a header to begin generating the table of contents How to get grants for your landscaping business? If you were wondering about grants specifically for starting a landscaping business, this is for you. While there aren’t a ton of niche grants like this, grants can be applied to a wide variety of industries, including landscaping. Grants are perfect for providing the financial support needed to expand, innovate, or overcome challenges. Unlike loans, grants do not need to be repaid, making them an attractive option for funding. But with free money, there also comes stiff competition to be awarded. Here’s how you can secure grants to take your landscaping business to the next level. Research available grants Grants aren't hard to find, but it's definitely a process. Start by identifying grants available for landscaping businesses. These can be local, state, or federal...
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### Grants for trucking business
> Trucking grants are funds provided by government agencies, corporations, and non-profit organizations to support new and existing trucking businesses.
- Published: 2024-06-17
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/grants-for-trucking-business/
Grants for trucking business Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2025. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. × Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Linkedin The trucking industry plays a huge part in keeping the economy in balance. It’s one of the main industries responsible for transporting goods across the nation. That being said, starting a trucking business can be a lucrative venture, but it requires significant capital investment. One way to secure funding without incurring debt is through grants. We at the Swoop team have done some digging and will walk you through the various grants available for starting a trucking business, other financial resources, and the benefits and drawbacks of these grants. Looking for a grant for your business? Contact us to learn more about all of the funding options at your disposal. Add a header to begin generating the table of contents What are trucking grants? Trucking grants are funds provided by government agencies, corporations, and non-profit organizations to support new and existing trucking businesses. Unlike loans,...
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### Jan-Pro
> Jan-Pro are a franchised cleaning and janitorial services organization, and the leader in a US market worth $96 billion per year. Read more or apply for funding
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/jan-pro/
Jan-Pro franchise Hassle-free business loans to start your Jan-Pro franchise. Get started Jan-Pro are a franchised cleaning and janitorial services organization. They claim to be North America’s #1 commercial cleaning business and the leader in a US market worth $96 billion per year. Jan-Pro business details Jan-Pro was founded in 1991 and they have offered franchise opportunities since 1992. They are headquartered in Alpharetta, Georgia. The company primarily provides cleaning and disinfecting services to institutional, industrial and other commercial customers. Jan-Pro has more than 8,000 franchised operators in the US and +2,000 more in overseas markets that include Canada, Brazil, Mexico and Australia. Jan-Pro at a glance:US stores: Approximately 8000Required Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: $4,900Max. investment: $78,100Standard franchise term: 10 years Can I start a Jan-Pro franchise? With a minimum investment of less than $5k, no liquid cash or net worth requirements and no need for previous commercial experience, a Jan-Pro franchise must be one of the easiest businesses to get up and running. Many Jan-Pro franchisees operate as small, family or even single-person operations, (although you can buy a Regional Developer/Master Franchisee and have many single-unit operators under your wing and paying you each month). Jan-Pro says you can run this business and still keep your day job, so it could work well as a semi-passive investment or as a side hustle to bring in extra income. How much does a Jan-Pro franchise cost? Certainly one of the more affordable business opportunities,...
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### Fastsigns
> Fastsigns produce custom signs and marketing materials for businesses in the US and seven other countries. Read more about them or apply for financing here.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/fastsigns/
Fastsigns franchise Hassle-free business loans to start your Fastsigns franchise. Get started Fastsigns produce custom signs and marketing materials for businesses in the US and seven other countries. They claim to be the largest signage business in the US and the leaders in a market worth $29 billion per year. Fastsigns business details Fastsigns were launched in 1985 and they have offered franchise opportunities since 1986. They are headquartered in Carrollton, Texas. The company designs, produces, installs and maintains all types of sign as well as producing other graphic and marketing materials and further complementary products. The organization has +650 stores in the US and a total of 745 outlets across the globe, including Canada, the UK, Chile, Grand Cayman, Puerto Rico and more. Fastsigns at a glance:US stores: Approximately 650Required Investor net worth: $330,000Required investor liquid cash: $80,000Min. investment: $240,000Max. investment: $310,000Standard franchise term: 10 years Can I start a Fastsigns franchise? With reasonable liquid cash and net worth requirements and affordable set-up costs, starting a Fastsigns franchise may be possible for many entrepreneurs. Fastsigns do not require previous experience in the signage industry, although having owned or managed a business before would clearly be an advantage. The company mandates that either the franchisee or their designated manager is on site to oversee the daily running of the store and to liaise with business customers. After the initial set-up period, you could operate this franchise as a passive investment. How much does a Fastsigns franchise cost? Set-up costs for...
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### Domino's
> In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. Read more about them or apply for financing here.
- Published: 2024-06-13
- Modified: 2025-03-21
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/dominos/
Domino's franchise Hassle-free business loans to start your Domino's franchise. Get started In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. In both sales and store numbers they are #1 in the US, well ahead of rivals Pizza Hut, Papa John’s and Little Caesars. Domino's business details Domino’s began life in 1960 in Ypsilanti, Michigan as a single pizza restaurant. Today, the company is headquartered in Ann Arbor, Michigan, has more than 6700 locations in the US and operates in over 90 other countries. With more than 20,000 outlets globally, Domino’s are by far the largest pizza company in the world. They have offered franchise opportunities since 1967. Domino's at a glance:US stores: Approximately 6700Required Investor net worth: $250,000Required investor liquid cash: $75,000Min. investment: $107,000Max. investment: $743,000Standard franchise term: 10 years Can I start a Domino's franchise? You can get into a Domino’s pizza franchise for relatively low dollars and the minimum $75k liquid cash and $250k net worth requirements should not be an issue for many investors. However, you face a major roadblock if you have never worked for this company. Domino’s currently only offer new franchise licenses to entrepreneurs who have a minimum of one years’ experience working at a Domino’s store in a general manager or supervisor capacity. In other words, you need to be in this club to join this club, making it very difficult for outsiders to gain entry. Domino’s also expect franchisees to play a major role...
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### Comfort Keepers
> Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate, Sodexo. Read more about them here.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/comfort-keepers/
Comfort Keepers franchise Hassle-free business loans to start your Comfort Keepers franchise. Get started Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate, Sodexo. The company specializes in the delivery of care services to clients and patients in the comfort of their own home. Comfort Keepers have more than 700 offices worldwide and operate in 10 countries including the UK, Canada, Australia, Norway and Singapore. Comfort Keepers business details Launched in 1998 and headquartered in Irvine, California, Comfort Keepers have offered franchise opportunities since 1999. The organization delivers in-home care for the elderly and other adults who need assistance in daily living, including homemaker/companionship care, personal care, and with personal technology services and equipment. Some Comfort Keepers franchises also provide trained nurses to deliver more attentive services, including respite care, senior health and wellbeing care and other private nursing duties. Comfort Keepers at a glance:US stores: Approximately 650Required Investor net worth: $300,000Required investor liquid cash: $100,000Min. investment: $105,000Max. investment: $176,000Standard franchise term: 10 years Can I start a Comfort Keepers franchise? You can start a Comfort Keepers franchise for fairly low dollars and the liquid cash and net worth requirements should be well within the reach of many entrepreneurs at $100k and $300k, respectively. Comfort Keepers do not mandate that new franchise owners have previous care-provider experience or possess any medical credentials, although either of these attributes would be an added advantage. Franchisees must employ a minimum of two staff (including...
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### CertaPro
> CertaPro Painters are an international painting and decorating business, providing building improvement services to residential & commercial customers.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/certapro/
CertaPro Painters franchise Hassle-free business loans to start your CertaPro franchise. Get started CertaPro Painters are an international painting and decorating business. Via their network of franchised contractors they provide building improvement services to residential and commercial customers. The company claims a 2% share of a US and Canadian painting market that’s worth $60 billion per year. CertaPro Painters business details Founded in Canada in 1992 and with US headquarters in Audubon, Pennsylvania, CertaPro have offered franchise opportunities since inception. With a core focus on providing painting services to residential and commercial customers, CertaPro also provide other home and business improvement services – including drywall repairs, brick painting, concrete staining, light carpentry and stucco repairs. The company claims to be the largest residential and commercial painting company in North America, with more than 450 franchise locations across the US and Canada. CertaPro Painters at a glance:US stores: Approximately 450Required Investor net worth: $250,000Required investor liquid cash: $85,000Min. investment: $155,000Max. investment: $302,000Standard franchise term: 10 years Can I start a CertaPro Painters franchise? You’ll need $85k in liquid cash and a net worth of a quarter of a million dollars. You’ll also face a hefty franchise fee and marketing and other admin costs. Other than that, CertaPro say you do not need previous experience in the painting and decorating industry, although a history of running your own business would be helpful. CertaPro expect franchisees to operate their business using self-employed contract labor. You can also appoint a designated manager to oversee...
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### Cinnabon
> Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls and more. Learn more about it with Swoop, or apply for funding.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/cinnabon/
Cinnabon franchise Hassle-free business loans to start your Cinnabon franchise. Get started Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls, plus a range of other cakes and pastries and beverages. Cinnabon business details Launched in Seattle, Washington in 1985, Cinnabon are now headquartered in Atlanta, Georgia. They have offered franchise opportunities since 1986. Cinnabon claims to be the world’s largest seller of cinnamon flavored pastries. They rank #49 in the list of world’s biggest fast food retailers, behind other global bakeries such as Greggs and Auntie Anne’s. At the end of 2023 the company had 974 outlets across the US. They operate in 57 countries worldwide. Cinnabon at a glance:US stores: Approximately 975Required Investor net worth: $300,000Required investor liquid cash: $120,000Min. investment: $255,000 (full bakery)Max. investment: $657,000 (full bakery)Standard franchise term: 20 years Can I start a Cinnabon franchise? You’ll need a minimum net worth of $300k, liquid cash of $120k and be prepared to spend close to $700k to get a full Cinnabon bakery off the ground. (Although you may start a simpler Express Cinnabon location for as little as $60,000). The company prefers franchisees who have previous experience in running a business or hospitality and they say they’re seeking franchise-owners who are ‘people orientated’, (which means you genuinely care about your customers and your team). Although franchisees are not required to manage the daily operations of their store, Cinnabon does not recommend this opportunity for candidates seeking a remote investment. How much does a...
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### Currency converter
> Our currency converter is here to help you stay on top of exchange rates, whether you're on vacation, making an online purchase, or conducting global business.
- Published: 2024-06-12
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-loan-calculator/currency-converter/
Currency converter Our free currency converter is here to help you stay on top of exchange rates, whether you're planning a vacation, making an online purchase, or conducting global business. Page written by AI. Reviewed internally on June 20, 2024. × Origin currency Destination currency Amount to convert $ . 00 This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Converted amount $ 0 Get a quote What is a currency converter? A currency converter is a tool that allows you to quickly and easily convert one currency into another. It uses the current exchange rates to calculate the equivalent amount of money in different currencies. Currency converters are commonly used by travellers, businesses, and anyone needing to understand the value of money across different countries and provide a convenient way to stay updated on currency values and make informed financial decisions. Why use a currency converter? Using a currency converter is helpful for several reasons:Travel planning: It assists you in understanding how much your money is worth in another country, allowing you to budget more effectively. Business transactions: It makes international business easier by allowing companies to convert currencies accurately when dealing with cross-border transactions. Online shopping: It assists you in comparing prices and determining the cost of goods in your local currency when shopping from international websites. Investment decisions: It helps investors and financial analysts assess the value of foreign investments by...
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### Transworld Business Advisors
> Transworld Business Advisors are a franchised consulting organization. They help small business owners to grow, buy or sell their businesses. Learn more here.
- Published: 2024-05-30
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/transworld-business-advisors/
Transworld Business Advisors franchise Hassle-free business loans to start your Transworld Business Advisors franchise. Get started Transworld Business Advisors are a franchised consulting organization. They help small business owners to grow, buy or sell their businesses. Transworld claims to have sold more than 10,000 businesses since 1979 and have over 500 brokers and more than 200 offices worldwide. Transworld Business Advisors business details Launched in 1979 and headquartered in West Palm Beach, Florida, Transworld Business Advisors have offered franchise opportunities since 2010. The company specializes in the brokerage of small and medium sized businesses, acting as advisors to help business owners get the most from the businesses they own. They are largest organization of this type in the US, and they claim to be the #1 franchise in the sector according to Entrepreneur magazine. Transworld Business Advisors at a glance:Worldwide stores: Approximately 500Required Investor net worth: not statedRequired investor liquid cash: $100,000Min. investment: $97,000Max. investment: $122,000Standard franchise term: 35 years Can I start a Transworld Business Advisors franchise? With only $100,000 in cash and no minimum net worth required, plus a highly affordable cost of entry, getting into a Transworld agency is not difficult. However, there is one consideration that may be a barrier for some potential franchisees; although Transworld state that previous business broker experience is not essential, some states require that business brokers have a real estate license. This means specialized training may be necessary depending on your location. Transworld also expects their franchisees to have direct involvement...
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### Signal
> Signal is a franchised private security company offering a range of security options to residential and business customers. Learn more about it with Swoop.
- Published: 2024-05-30
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/signal/
Signal franchise Hassle-free business loans to start your Signal franchise. Get started Signal is a franchised private security company offering a range of security options to residential and business customers. Signal claims to be Entrepreneur magazine’s #1 security franchise with 26% growth year on year and network gross revenues of $267 million in 2023. Signal business details Headquartered in Omaha, Nebraska, Signal, (previously known as Signal 88 Security), was founded in 2003. The company has offered franchise opportunities since 2008. Signal competes with other home and business security companies such as ADT, Securitas, and American Security, providing security patrols and surveillance, security consulting, executive protection, and training in personal safety, risk avoidance, and threat management for residential and commercial customers. The business has more than 600 US offices as well as operations in Canada and other countries. At the end of 2023, the business had more than 1,000 offices and +4,600 customers spread across the globe. Signal at a glance:US stores: Approximately 650Required Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: $57,000Max. investment: $273,000Standard franchise term: 3 years Can I start a Signal franchise? Starting a Signal security franchise is affordable, with investments that start as low as $57k. Additionally, the company does not mandate a minimum net worth or liquid cash requirement. However, be aware that franchise fees for this opportunity can be steep depending on the size of your franchise territory. Average start-up fees paid to Signal are $70,000 and you will then need to...
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### Popeyes franchise
> Popeyes Louisiana Kitchen, more simply known as Popeyes, operates quick-service restaurants that offer a ‘Louisiana- style’ menu. Learn more about it here.
- Published: 2024-05-29
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/popeyes/
Popeyes franchise Hassle-free business loans to start your Popeyes franchise. Get started Popeyes Louisiana Kitchen, more simply known as Popeyes, operates quick-service restaurants that offer a ‘Louisiana- style’ menu featuring spicy chicken, biscuits, fried shrimp and other quick-service menu items. They rank at #16 in the list of all US fast food brands, behind other chicken restaurants such as Chick-Fil-A and KFC. Popeyes business details Popeyes was launched in 1972 and have been offering franchise opportunities since 1976. Their corporate headquarters are in Miami, Florida. A major name in the chicken restaurant industry, they have over 3,000 US locations and also operate in the UK, France, Czech Republic, Poland, Romania, Spain and Switzerland. Total outlets are more than 4,000. The brand had US gross revenues of $5 billion in 2022. Popeyes at a glance:US stores: Approximately 3000Required Investor net worth: $1,000,000Required investor liquid cash: $500,000Min. investment: $470,000Max. investment: $3,875,000Standard franchise term: 20 years Can I start a Popeyes franchise? You’ll need at least half a million dollars in liquid cash and a net worth of at least double that. You’ll also need access to some serious financing to cover start-up costs that can approach $4 million. Apart from that, you’ll also need previous experience at running multi-unit restaurants, permanent residence in the area where your restaurants are located and ‘consistent involvement in local community initiatives’. Lastly, as you may expect after all this, you’ll be expected to take a hands-on, active role in running the business. This is serious franchising....
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### Marco's Pizza
> Marco’s Pizza claims to be one of the fastest growing pizza brands in the US, selling a ‘different pizza experience’. Learn more about its franchise here.
- Published: 2024-05-29
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/marcos-pizza/
Marco's Pizza franchise Hassle-free business loans to start your Marco's Pizza franchise. Get started Marco’s Pizza claims to be one of the fastest growing pizza brands in the US, selling a ‘different pizza experience’ that includes dough made from scratch and three fresh signature cheeses. The chain is engaged in a rapid expansion drive and currently ranks #5 in the US, behind Domino’s, Pizza Hut, Papa John’s and Little Caesar’s. Marco's Pizza business details Marco’s Pizza is headquartered in Toledo, Ohio. The business was founded in 1978 and has offered franchise opportunities since 1979. The company’s franchised stores sell pizza and related food and drinks products for consumer delivery, pick-up and catering, and in some cases, via eat-in dining rooms. The company has grown from its roots as a core Ohio brand to operate over 1,200 stores in 34 states with locations in Puerto Rico and the Bahamas. Most recently, Marco's Pizza placed at #51 on Entrepreneur Magazine's 2023 ‘Franchise 500’ ranking. Marco’s Pizza at a glance:US stores: Approximately 1200Required Investor net worth: Up to $1,200,000Required investor liquid cash: Up to $600,000Min. investment: $286,000Max. investment: $806,000Standard franchise term: 10 years Can I start a Marco's Pizza franchise? You’ll need plenty of liquid cash (up to $600k) and a net worth that can be as high as $1. 2 million, but otherwise, as long as you have some previous business experience there are few barriers to entry. Marco’s say they’re looking for franchisees with a people-first and hospitality-always mentality who are...
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### Kumon franchise
> Kumon is the world’s largest provider of supplementary education, they enhance the teaching children receive in regular school. Learn more about it here.
- Published: 2024-05-29
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/kumon-franchise/
Kumon franchise Hassle-free business loans to start your Kumon franchise. Get started Kumon is the world’s largest provider of supplementary education. Their learning centers enhance the teaching children receive in regular school by using a proprietary ‘just right’ learning method that was created by the company’s founder in 1954. Kumon business details Launched in 1958 and headquartered in Ridgefield Park, New Jersey, Kumon has offered franchise opportunities since inception. (Kumon US is a subsidiary of Japanese learning giant Kumon Institute of Education). Via their franchised learning centers, the business provides after-school math and reading tutoring to children aged two years up to pre-university. Kumon operates in 62 countries and has more than 27,000 learning centers across the globe. Kumon at a glance:US stores: Approximately 1540Required Investor net worth: $150,000Required investor liquid cash: $70,000Min. investment: $67,200Max. investment: $145,600Standard franchise term: 5 years Can I start a Kumon franchise? Kumon franchises have to be one of the most affordable opportunities available. Liquid cash requirements are only $70k and minimum net worth is $150k. Set-up costs are equally modest. Heck, even the initial franchise fee is low-cost. But apart from the money, what else do you need? Kumon does not demand that franchise owners have educational experience or qualifications, (although you must have at least a bachelor’s degree). Instead, the company wants franchisees that have a passion for working with children and believe in Kumon’s mission of helping kids become independent, self-assured and confident. They also say that many of their franchisees have...
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## Posts
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# Swoop US
> business funding and savings
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## Pages
- [Refinance commercial property](https://swoopfunding.com/us/commercial-real-estate/refinance-commercial-property/): Refinancing commercial property is a strategic move for businesses and investors looking to reduce financial pressure, unlock capital, or reposition assets for growth.
- [Are merchant cash advances tax-deductible?](https://swoopfunding.com/us/business-loans/merchant-cash-advance/are-mcas-tax-deductible/): What parts of an MCA may be tax-deductible? Cost of capital or financing fees, Processing or administrative charges, Repayments are not deductible as business
- [How to record a merchant cash advance on financial statements](https://swoopfunding.com/us/business-loans/merchant-cash-advance/how-to-record-a-mca-on-financial-statements/): When you receive MCA funds, it’s critical to record the amount correctly in your books to avoid misrepresenting revenue or liabilities. Read more here.
- [What happens if you default on a merchant cash advance](https://swoopfunding.com/us/business-loans/merchant-cash-advance/what-happens-if-you-default/): What happens if you default on a merchant cash advance? Join Swoop Key Takeaways Merchant cash advances (MCAs) offer fast...
- [UCC Loans: What They Are, How They Work, and Who Uses Them](https://swoopfunding.com/us/business-loans/ucc-loans/): UCC loans prove there’s more to business financing than just signing an agreement. It also involves understanding how lenders protect themselves. Read more here
- [Credit scores](https://swoopfunding.com/us/credit-builder/): Build your credit & unlock more funding options Better credit helps you borrow more and at better rates. Quickly build...
- [Business computer finance](https://swoopfunding.com/us/business-loans/asset-finance/equipment-financing/business-computer-finance/): Computers are no longer a luxury item for businesses, they are an absolute necessity. Read more about computer finance here, or submit an application with Swoop
- [Loans to buy a retiring business](https://swoopfunding.com/us/business-loans/loans-to-buy-a-retiring-business/): Did you know that there are millions of business owners in the U.S. approaching retirement age? For aspiring entrepreneurs this presents a unique opportunity.
- [Business loans for office space](https://swoopfunding.com/us/business-loans/business-loans-for-office-space/): A business loan for office space can help you manage these costs without compromising day-to-day operations. Find out more here, or apply with Swoop today.
- [Business loan for app development](https://swoopfunding.com/us/business-loans/business-loan-for-app-development/): Whether you’re launching a customer-facing mobile app or a custom internal platform, financing can give you the runway to build without delaying progress.
- [Business loan for hiring](https://swoopfunding.com/us/business-loans/business-loan-for-hiring/): Hiring new employees is one of the most effective ways to take on more as your business grows, but it can be pricey. Read more, or apply for finance here.
- [Office fit out finance](https://swoopfunding.com/us/business-loans/office-fit-out-finance/): A well-designed office space can improve productivity, enhance company culture, and make a lasting impression on clients. However, office fit-outs can be expensive
- [Overdraft calculator](https://swoopfunding.com/us/business-loan-calculator/overdraft-calculator/): Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. Use it free here.
- [Delayed payment loans](https://swoopfunding.com/us/business-loans/delayed-payment-loans/): A delayed payment business loan is a type of financing where the borrower does not make payments immediately after receiving funds. Read more or apply here.
- [Business loan for expansion](https://swoopfunding.com/us/business-loans/expansion-loans/): A business expansion loan is a type of commercial financing that helps US businesses grow by providing capital for scaling operations. Apply with Swoop today.
- [Senior debt](https://swoopfunding.com/us/business-loans/senior-debt/): Senior debt is a type of loan or financial obligation that has the highest priority in repayment if a company defaults or goes bankrupt. Find out more here.
- [Business loan for marketing](https://swoopfunding.com/us/business-loans/marketing-loans/): A business marketing loan is a type of financing designed to help businesses fund advertising, branding, and promotional activities to attract customers.
- [Subordinated debt](https://swoopfunding.com/us/business-loans/subordinated-debt/): Subordinated debt – also known as junior debt - is a type of loan that ranks below senior debt in repayment priority. Find out more, or apply for funding here.
- [Middle market loans](https://swoopfunding.com/us/business-loans/middle-market-loans/): Middle-market lending refers to financing provided to mid-sized companies. Read all about middle market finance here, or apply for funding through Swoop.
- [Are notes payable included in working capital?](https://swoopfunding.com/us/business-loans/working-capital-loans/are-notes-payable-included-working-capital/): Notes payable is an agreement where a borrower to repays a specific amount of money to a lender within a set timeframe. See how they effect working capital here
- [How to calculate working capital](https://swoopfunding.com/us/business-loans/working-capital-loans/how-to-calculate-working-capital/): The formula for calculating working capital is; Working Capital = Current Assets - Current Liabilities. Read more about calculating working capital here.
- [What is a change in working capital?](https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-change-working-capital/): Change in working capital is the difference in a company’s net working capital between two accounting periods. Find out how to track changes here!
- [What does working capital requirement measure?](https://swoopfunding.com/us/business-loans/working-capital-loans/what-does-wcr-measure/): Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. Read more or apply for funding here
- [What is a good working capital ratio?](https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-a-good-ratio/): The working capital ratio, also known as the current ratio, measures the relationship between your current assets and current liabilities. Read more here.
- [Bad credit working capital loans](https://swoopfunding.com/us/business-loans/working-capital-loans/bad-credit-working-capital/): it’s still possible to get a working capital loan with bad credit, but you may have to put in more effort and be flexible on the terms. Read how, or apply here.
- [Credit union business loan](https://swoopfunding.com/us/business-loans/credit-union-business-loans/): Typically offering competitive interest rates, low fees and a wide range of financial products, credit unions can be a good alternative when you need a loan.
- [PayPal business loans](https://swoopfunding.com/us/business-loans/paypal-business-loans/): Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some/all their sales. Read more or apply here.
- [How do NGOs get funding?](https://swoopfunding.com/us/business-grants/ngo-funding/): NGOs need consistent funding to sustain their operations and continue making an impact. Swoop offers funding solutions to help NGOs access the finance they need
- [Business-grants in Connecticut](https://swoopfunding.com/us/business-grants/best-business-grants-in-connecticut/): Connecticut provides its own distinguished selection of grant programs aimed at fostering innovation, supporting minority-owned businesses, and entrepreneurs.
- [Small-business grants in Oregon](https://swoopfunding.com/us/business-grants/best-business-grants-in-oregon/): Oregon offers a variety of grant programs aimed at supporting small businesses across industries. Read about them here, or apply with Swoop today.
- [Mini digger finance](https://swoopfunding.com/us/business-loans/asset-finance/mini-digger-finance/): Mini digger finance refers to specialized business loans and leases that organizations can use to obtain the excavating equipment they need. Enquire today!
- [Chauffeur finance](https://swoopfunding.com/us/business-loans/asset-finance/chauffeur-finance/): Chauffeur finance is specialized financing for transport businesses, used to purchase or lease vehicles. Read more or enquire with Swoop today.
- [Forestry equipment finance](https://swoopfunding.com/us/business-loans/asset-finance/forestry-equipment-finance/): Forestry equipment finance is a specialized form of equipment financing, Designed for businesses in the forestry, logging and lumber industries. Enquire today.
- [CNC machine finance](https://swoopfunding.com/us/business-loans/asset-finance/cnc-machine-finance/): CNC machine finance is a form of equipment finance. Businesses use it to buy or lease the big-ticket CNC machinery and equipment they need. Enquire today.
- [Material handling equipment financing](https://swoopfunding.com/us/business-loans/asset-finance/material-handling-equipment-finance/): Material handling equipment is designed to move all kind of goods and materials from A to B, but this comes at a cost. Find out more, or sign up with Swoop today.
- [Crane equipment finance](https://swoopfunding.com/us/business-loans/asset-finance/crane-finance/): Crane finance is a specialized form of equipment financing, spreading the cost of expensive machinery over time. Read more or apply for crane finance here.
- [Supercar finance](https://swoopfunding.com/us/business-loans/asset-finance/supercar-finance/): They go fast, they look great and they cost far more than your typical daily driver. Read more about supercar finance, or arrange your exotic car finance here.
- [​​Accounts receivable financing vs. invoice factoring](https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-accounts-receivables/): When businesses need quick access to cash, they often consider funding options like invoice factoring and accounts receivable financing, but which is best?
- [Invoice factoring vs. invoice discounting: What's the difference?](https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-discounting/): When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting, but which is right for you? Find out here.
- [Business line of credit without revenue](https://swoopfunding.com/us/business-loans/business-line-of-credit/no-revenue/): Business lines of credit without revenue & other types of borrowing for startups are available through Swoop. Read more here, or apply with Swoop today.
- [Car finance settlement calculator](https://swoopfunding.com/us/business-loan-calculator/car-finance-settlement-calculator/): Car finance settlement calculator Our free car finance settlement calculator can help you estimate your final outstanding payment to clear...
- [Car finance calculator](https://swoopfunding.com/us/business-loan-calculator/car-finance-calculator/): Car finance calculator Our free car finance calculator can help you estimate your monthly repayments when taking out finance. Repayments...
- [Customer financing](https://swoopfunding.com/us/business-loans/customer-financing/): When times are tight, customers typically reduce their spending, with expensive goods & services often taking a hit. See how you can customer offer finance here
- [How much business loan can I get](https://swoopfunding.com/us/business-loans/how-much-business-loan-can-i-get/): Loan amounts vary according to the type of loan and what kind of lender is providing funds. Read more on averages here, or how to increase your loan size here.
- [What is business loan collateral](https://swoopfunding.com/us/business-loans/what-is-business-loan-collateral/): You may have heard the term ‘collateral’ before but are unsure what it means or how it works. Find out more here, or apply for funding with Swoop today.
- [Types of collateral you can use to secure a small business loan](https://swoopfunding.com/us/business-loans/collateral-for-business-loan/): Collateral is an asset or property that a borrower offers to a lender as security for a business loan. Read here about its types and how can you secure one.
- [Business loans under $5k](https://swoopfunding.com/us/business-loans/business-loans-under-5k/): $5,000 business loans are small financial transactions designed to cover temporary shortfalls in working capital. Learn more about to get one with Swoop.
- [Business loans for women](https://swoopfunding.com/us/business-loans/business-loans-for-women/): What kind of loans can female business owners obtain? Where can they get them? And how do they choose the best loan for their organization? Find out more.
- [Business loan vs. personal loan](https://swoopfunding.com/us/business-loans/business-loan-vs-personal-loan/): Business loans can be an efficient borrowing to help your business grow but if your financial history is weak, a personal loan for business can be better.
- [Invoice factoring for businesses with bad credit](https://swoopfunding.com/us/business-loans/invoice-factoring/invoice-factoring-for-bad-credit/): Invoice factoring (also known as account receivables financing or invoice financing), functions like a business credit line or a series of short-term bank loans.
- [Alternative business lending](https://swoopfunding.com/us/business-loans/alternative-business-lending/): Alternative business lending is a term for business finance options that are not conventional bank loans. Learn more about alternative lending with Swoop.
- [Commercial real estate](https://swoopfunding.com/us/commercial-real-estate/): The term commercial real estate (CRE) refers to properties that are utilized for business purposes or are leased out to tenants who use them to generate income.
- [Personal loans for business](https://swoopfunding.com/us/business-loans/personal-loans-for-business/): A personal loan is a type of borrowing provided by financial institutions to individuals for various personal expenses. Read on to find out the best loans here.
- [Commercial real estate calculator](https://swoopfunding.com/us/business-loan-calculator/commercial-real-estate-calculator/): By using this free commercial real estate loan calculator, investors can evaluate the financial performance of a property, helping them make informed decisions.
- [Low interest business loans](https://swoopfunding.com/us/business-loans/low-interest-business-loans/): A low-interest business loan is what it says on the tin – commercial financing that comes with reduced interest rates and fees. Read more with Swoop.
- [Hard money business loans](https://swoopfunding.com/us/business-loans/hard-money-business-loans/): Hard money business loans can be a fast and easy source of funding for US business owners if they have sufficient collateral. Read more with Swoop.
- [Business loan for 500 credit score](https://swoopfunding.com/us/business-loans/business-loan-for-500-credit-score/): The truth is, with a personal credit score of 500, your access to business financing will be limited. Read more about how to get one with Swoop.
- [Small business grants in Pennsylvania](https://swoopfunding.com/us/business-grants/small-business-grants-in-pennsylvania/): Business grants are effectively free money – and they’re a great way for Pennsylvania entrepreneurs to launch or finance a business.
- [Iowa small business grants](https://swoopfunding.com/us/business-grants/lowa-small-business-grants/): If you’re an Iowa-based business owner in need of funds, small business grants could be your solution. Learn more with Swoop.
- [Business tax](https://swoopfunding.com/us/business-tax/): Whether you’re a sole trader, a startup, or an SME in the US, you'll need to ensure that your business taxes are in order. Read our free guides here.
- [Business grants for native Americans](https://swoopfunding.com/us/business-grants/business-grants-for-native-americans/): Business grants can provide crucial funding for Native Americans seeking to advance their career, launch a startup, or grow their current business. Learn more.
- [What is a government grant and how do they work?](https://swoopfunding.com/us/business-grants/what-is-a-government-grant-and-how-do-they-work/): Government business grants can be used to support business opportunities, or initiatives in the arts, education, research and more. Learn more with Swoop.
- [Business grants for immigrants](https://swoopfunding.com/us/business-grants/business-grants-for-immigrants/): Available from non-profits, foundations, organizations and government sources, small business grants for immigrants can help to get a startup started.
- [Small business grants in South Carolina](https://swoopfunding.com/us/business-grants/small-business-grants-in-south-carolina/): Small business owners and entrepreneurs in South Carolina can improve their chances of winning a business grant by preparing in advance. Learn more with Swoop.
- [Best small business grants in New York](https://swoopfunding.com/us/business-grants/best-small-business-grants-in-new-york/): If you’re seeking financing and your business is based in New York, you’re in luck. Learn how can you do this with Swoop.
- [Small business grants in New Jersey](https://swoopfunding.com/us/business-grants/small-business-grants-in-new-jersey/): Small business grants can be an excellent way for New Jersey business owners to fund their big ambitions. Learn more with Swoop.
- [Guide to small business grants in Missouri](https://swoopfunding.com/us/business-grants/small-business-grants-in-missouri/): Business grants can help Missouri entrepreneurs start or grow a business, conduct valuable research, even recover their expenses from an export drive.
- [Best business grants in Louisiana](https://swoopfunding.com/us/business-grants/best-business-grants-in-louisiana/): Small business grants can provide crucial funding for Louisiana entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- [Small business grants in Indiana](https://swoopfunding.com/us/business-grants/small-business-grants-in-indiana/): If you’re an Indiana business owner in need of funds, small business grants could be your solution. Learn more about them with Swoop.
- [Small business grants in Illinois](https://swoopfunding.com/us/business-grants/small-business-grants-in-illinois/): Illinois has no shortage of small business grants and they come in many shapes and sizes, which means finding the right grant for you may require some homework.
- [Small business grants in Arizona](https://swoopfunding.com/us/business-grants/small-business-grants-in-arizona/): Small business grants can provide crucial funding for Arizona entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- [Grants for disabled small business owners](https://swoopfunding.com/us/business-grants/grants-for-disabled-small-business-owners/): Available from non-profits, government sources etc., small business grants for business owners with disabilities can help to get a startup off the ground & grow.
- [Top small-business grants in Wisconsin](https://swoopfunding.com/us/business-grants/wisconsin-business-grants/): Small business grants can be an excellent way for Wisconsin business owners to fund their big ambitions. Learn more about them with Swoop.
- [Top small-business grants in Texas](https://swoopfunding.com/us/business-grants/texas-business-grants/): Business grants can provide crucial funding for Texas entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- [Top small-business grants in Ohio](https://swoopfunding.com/us/business-grants/ohio-business-grants/): Business grants can provide crucial funding for Ohio entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- [Top small-business grants in Minnesota](https://swoopfunding.com/us/business-grants/minnesota-business-grants/): Business grants are free money, there’s no need to repay the funds – and they’re a great way for Minnesota entrepreneurs to launch or finance a business.
- [Top small-business grants in Georgia](https://swoopfunding.com/us/business-grants/georgia-business-grants/): If you’re a Georgia business owner in need of funds, small business grants could be your solution. Learn more about grant options with Swoop.
- [Top small-business grants in Florida](https://swoopfunding.com/us/business-grants/florida-business-grants/): Small business grants can provide crucial funding for Florida entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- [Top small-business grants in Colorado](https://swoopfunding.com/us/business-grants/colorado-business-grants/): Small business grants can be an excellent way for Colorado business owners to fund their big ambitions. Learn more about business grants with Swoop.
- [Top small-business grants in California](https://swoopfunding.com/us/business-grants/california-business-grants/): Business grants are free money, there’s no need to repay the funds if you use them. They’re a great way for Californians to launch or finance a business.
- [LGBTQ+ small business grants](https://swoopfunding.com/us/business-grants/lgbtq-small-business-grants/): Starting or growing a small business can be a challenge, especially for LGBTQ+ entrepreneurs who may face additional barriers. Learn more with Swoop.
- [Startup business grants](https://swoopfunding.com/us/business-grants/startup-business-grants/): Government grants are a big source of funding for startups, offering substantial financial support without the need for repayment. Learn more with Swoop.
- [Visiting Angels](https://swoopfunding.com/us/business-loans/franchise-finance/visiting-angels/): Visiting Angels specializes in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 provider in the US. Learn more.
- [Tropical Smoothie Café](https://swoopfunding.com/us/business-loans/franchise-finance/tropical-smoothie-cafe/): Tropical Smoothie Café is the second largest smoothie chain in the US and they claim to think big, priding themselves on innovations. Learn more about it here.
- [Smoothie King](https://swoopfunding.com/us/business-loans/franchise-finance/smoothie-king/): Smoothie King is the healthy juice bar chain that grew big by selling iced fruit drinks full of vitamins and supplements. Learn more with Swoop.
- [Pizza Hut](https://swoopfunding.com/us/business-loans/franchise-finance/pizza-hut/): Pizza Hut is a major player in the globe’s growing pizza industry it operates in more than 100 countries. Learn more about its franchise options with Swoop.
- [Grants for starting a lawn care business](https://swoopfunding.com/us/business-grants/grants-for-starting-a-lawn-care-business/): While there aren’t a ton of niche grants, they can be applied to a variety of industries, including landscaping. Learn more about landscaping grants with Swoop.
- [Grants for trucking business](https://swoopfunding.com/us/business-grants/grants-for-trucking-business/): Trucking grants are funds provided by government agencies, corporations, and non-profit organizations to support new and existing trucking businesses.
- [Jan-Pro](https://swoopfunding.com/us/business-loans/franchise-finance/jan-pro/): Jan-Pro are a franchised cleaning and janitorial services organization, and the leader in a US market worth $96 billion per year. Read more or apply for funding
- [Fastsigns](https://swoopfunding.com/us/business-loans/franchise-finance/fastsigns/): Fastsigns produce custom signs and marketing materials for businesses in the US and seven other countries. Read more about them or apply for financing here.
- [Domino's](https://swoopfunding.com/us/business-loans/franchise-finance/dominos/): In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. Read more about them or apply for financing here.
- [Comfort Keepers](https://swoopfunding.com/us/business-loans/franchise-finance/comfort-keepers/): Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate, Sodexo. Read more about them here.
- [CertaPro](https://swoopfunding.com/us/business-loans/franchise-finance/certapro/): CertaPro Painters are an international painting and decorating business, providing building improvement services to residential & commercial customers.
- [Cinnabon](https://swoopfunding.com/us/business-loans/franchise-finance/cinnabon/): Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls and more. Learn more about it with Swoop, or apply for funding.
- [Currency converter](https://swoopfunding.com/us/business-loan-calculator/currency-converter/): Our currency converter is here to help you stay on top of exchange rates, whether you're on vacation, making an online purchase, or conducting global business.
- [Transworld Business Advisors](https://swoopfunding.com/us/business-loans/franchise-finance/transworld-business-advisors/): Transworld Business Advisors are a franchised consulting organization. They help small business owners to grow, buy or sell their businesses. Learn more here.
- [Signal](https://swoopfunding.com/us/business-loans/franchise-finance/signal/): Signal is a franchised private security company offering a range of security options to residential and business customers. Learn more about it with Swoop.
- [Popeyes franchise](https://swoopfunding.com/us/business-loans/franchise-finance/popeyes/): Popeyes Louisiana Kitchen, more simply known as Popeyes, operates quick-service restaurants that offer a ‘Louisiana- style’ menu. Learn more about it here.
- [Marco's Pizza](https://swoopfunding.com/us/business-loans/franchise-finance/marcos-pizza/): Marco’s Pizza claims to be one of the fastest growing pizza brands in the US, selling a ‘different pizza experience’. Learn more about its franchise here.
- [Kumon franchise](https://swoopfunding.com/us/business-loans/franchise-finance/kumon-franchise/): Kumon is the world’s largest provider of supplementary education, they enhance the teaching children receive in regular school. Learn more about it here.
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## Posts
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# Detailed Content
## Pages
### Refinance commercial property
> Refinancing commercial property is a strategic move for businesses and investors looking to reduce financial pressure, unlock capital, or reposition assets for growth.
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/commercial-real-estate/refinance-commercial-property/
Refinance commercial property Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Refinancing commercial property is a strategic move for businesses and investors looking to reduce financial pressure, unlock capital, or reposition assets for growth. Whether you're managing a portfolio of rental units, operating from an owned business premises, or developing real estate, refinancing offers a way to improve your financial footing and long-term flexibility. Here at Swoop, we get it. We know the info overload of commercial finance can feel overwhelming, especially when rates, terms, and lender expectations vary so widely. That’s why this guide was made to cover how commercial refinancing works, why it might be the right move for your business, and what to consider before starting an application. Our goal is to help you understand your options clearly so you can move forward with confidence. Add a header to begin generating the table of contents What does it mean to refinance a commercial property? Refinancing a commercial property means replacing your existing mortgage or loan with a new one( ideally under better terms). That could mean a lower interest rate, a longer repayment term, or tapping into your property's built-up equity. The...
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### Are merchant cash advances tax-deductible?
> What parts of an MCA may be tax-deductible? Cost of capital or financing fees, Processing or administrative charges, Repayments are not deductible as business
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/business-loans/merchant-cash-advance/are-mcas-tax-deductible/
Are merchant cash advances tax-deductible? Join Swoop Key Takeaways Merchant cash advances (MCAs) are not taxable income and repayments are not deductible—but fees, factor rates, and administrative charges may be claimed as business financing expenses. Only the cost of accessing the MCA (not the repayment itself) is tax-deductible, so accurate bookkeeping and separating fees from principal are essential for correct reporting. Common tax mistakes include misclassifying repayments or failing to isolate costs, which can inflate deductions and raise audit risks—professional advice and clear records help avoid issues See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 13, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Merchant cash advances (MCAs) offer fast access to capital, especially for businesses needing immediate working capital. But when tax season rolls around, many business owners are left asking: Are merchant cash advances tax deductible? Here at Swoop, we understand that navigating financing and taxes together can be overwhelming. That’s why this guide breaks down how MCAs work, what you can and can’t deduct, and how to avoid costly tax mistakes, so you can manage your funding and taxes more confidently. Add a header to begin generating the table of contents What is a merchant cash advance (MCA)?...
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### How to record a merchant cash advance on financial statements
> When you receive MCA funds, it’s critical to record the amount correctly in your books to avoid misrepresenting revenue or liabilities. Read more here.
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/business-loans/merchant-cash-advance/how-to-record-a-mca-on-financial-statements/
How to record a merchant cash advance on financial statements Join Swoop Key Takeaways MCAs must be recorded as liabilities, not income, with repayments reducing the liability and fees recorded as financing expenses to ensure accurate financial reporting. Misclassifying MCA transactions can distort profitability, affect tax reporting, and impact future funding eligibility—common mistakes include treating the advance as revenue or failing to separate costs. Best practice involves regular reconciliation, detailed documentation, and using software or professionals familiar with MCA structures to keep your balance sheet and P&L clean and compliant. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Merchant cash advances (MCAs) provide fast access to capital, but they bring unique accounting challenges. Unlike traditional loans, MCAs don’t follow standard interest structures, and repayments are typically deducted daily or weekly from sales, making them tricky to track correctly on your books. At Swoop, we understand how important clean, accurate financial reporting is—not just for tax time, but for managing cash flow, planning growth, and securing future funding. This guide walks you through how to record a merchant cash advance on financial statements, step-by-step. Add a header to begin generating the table of...
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### What happens if you default on a merchant cash advance
- Published: 2025-05-12
- Modified: 2025-05-13
- URL: https://swoopfunding.com/us/business-loans/merchant-cash-advance/what-happens-if-you-default/
What happens if you default on a merchant cash advance? Join Swoop Key Takeaways Merchant cash advances (MCAs) offer fast funding but come with high costs, aggressive repayment terms, and serious consequences if you default — including legal action and potential seizure of personal assets. Default can happen quickly if sales drop, payments bounce, or your business closes — often triggering immediate collections, account holds, and damage to your credit. Safer alternatives like business lines of credit, invoice financing, or revenue-based loans offer more transparency and flexibility — and Swoop can help you explore these options. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Merchant cash advances (MCAs) are often marketed as fast, flexible funding for businesses in need of quick capital. But defaulting on an MCA isn’t the same as defaulting on a traditional loan; with that speed can come a high cost and some potentially steep consequences if repayments fall behind. Here at Swoop, we’re all about transparency, and this guide breaks down how MCA defaults happen, what they can trigger legally and financially, and how to approach alternatives through other funding options. Add a header to begin generating the...
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### UCC Loans: What They Are, How They Work, and Who Uses Them
> UCC loans prove there’s more to business financing than just signing an agreement. It also involves understanding how lenders protect themselves. Read more here
- Published: 2025-05-12
- Modified: 2025-05-12
- URL: https://swoopfunding.com/us/business-loans/ucc-loans/
UCC loans Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 12, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. There’s more to business financing; rarely is it as simple as just signing a loan agreement. It also involves understanding how lenders protect themselves, which can in turn have effects on you and your business. One common tool lenders use is the UCC filing, and if you’re considering secured funding, it's important to understand how this process affects you. Here at Swoop, we know financing can sometimes feel like a maze, especially when unfamiliar terms like "UCC-1" and "lien priority" start coming into play. That’s why we’ve built this guide to walk you through what a UCC loan really means, how filings work behind the scenes, and what to watch for when structuring your financing, so you can navigate your funding journey with confidence. Add a header to begin generating the table of contents What is a UCC loan? A UCC loan isn't a specific product, it refers to any business loan that involves a UCC-1 financing statement filed by the lender. "UCC" stands for Uniform Commercial Code, a body of laws designed to make business transactions, including lending and secured credit, more predictable across...
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### Credit scores
- Published: 2025-04-29
- Modified: 2025-05-15
- URL: https://swoopfunding.com/us/credit-builder/
Build your credit & unlock more funding options Better credit helps you borrow more and at better rates. Quickly build your credit score to improve your business's financial health, all without the need for a credit card. Get started Why does my credit score matter for business funding? Your credit score plays a key role in not only your chances of securing funding for your business, but also impacts the cost of funding. Better credit means better rates, better loan terms, and more funding choices! See the difference for yourself: Credit Scores 579 740 Interest Rate 47% 15% Total Interest $4,086. 77 $1,246. 50 Savings - $2,840. 27 Get started Need help improving your credit? We've got you covered No credit check required Small, manageable payments Reports directly to credit bureaus to help boost your score Get started How it works Sign up in a few minutes Your payments get reported with the credit bureaus Your credit score improves, helping you qualify for better funding Get started FAQs What is a credit score? Credit scores provide a snapshot out of 100 of the financial health and creditworthiness of an individual or organisation, calculated by measuring payment and default history, levels of debt, legal problems and more. Banks, major suppliers, and lenders will check your credit score to understand your financial position of the level of risk; better credit scores usually lead to lower interest rates and increased lending options. What impacts my credit score? Your credit score is impacted by...
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### Business computer finance
> Computers are no longer a luxury item for businesses, they are an absolute necessity. Read more about computer finance here, or submit an application with Swoop
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/asset-finance/equipment-financing/business-computer-finance/
Business computer finance Add a header to begin generating the table of contents Computers are no longer a luxury item for businesses, they are an absolute necessity. Whether it’s outfitting a remote team with laptops or upgrading desktops for faster performance, access to modern technology can directly impact productivity, data security, and customer service. But replacing or expanding your tech stack often comes with a high upfront cost. That’s where business laptop financing becomes a practical solution. Instead of depleting cash reserves or delaying upgrades, financing allows companies to spread the cost of computers and IT equipment over time— keeping operations running smoothly without compromising financial stability. Add a header to begin generating the table of contents What is computer finance? Computer financing is a type of equipment financing where a business obtains a loan for a specific piece of equipment, in this case computer. But this can also refer to funding solutions that allow businesses to acquire laptops, desktops, and related IT equipment without paying the full cost upfront. It typically involves a loan, lease, or line of credit that covers hardware purchases and sometimes includes software, accessories, and setup costs. Businesses use computer finance for different reasons. Some are launching new offices or remote teams. Others are scaling fast and need to equip new hires. In many cases, companies simply want to avoid the financial strain that comes with large capital purchases. Financing provides a way to invest in technology when it’s needed without waiting for the right...
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### Loans to buy a retiring business
> Did you know that there are millions of business owners in the U.S. approaching retirement age? For aspiring entrepreneurs this presents a unique opportunity.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/loans-to-buy-a-retiring-business/
Loans to buy a retiring business Add a header to begin generating the table of contents Did you know that there are millions of business owners in the U. S. approaching retirement age? It’s called the ‘Silver Tsunami,’ and with it, a growing number are looking to exit their companies and pass them on. For aspiring entrepreneurs or businesses looking to expand, this presents a unique opportunity: acquiring an existing business with a proven track record, a loyal customer base, and an operational infrastructure already in place. But while the opportunity is clear, the cost of acquisition often isn’t small. That’s where loans to buy a retiring business come into play. With the right financing, you can take over a business for sale by an owner retiring without tying up your personal capital or putting undue stress on your company’s cash flow. Add a header to begin generating the table of contents Can you use a loan to buy a retiring business? Yes, you can use a loan to purchase a business from a retiring owner. In fact, acquisition financing is one of the most common ways buyers secure the capital needed for this type of deal. Most lenders recognize the value of acquiring an established business, especially if it has consistent revenue, long-standing clients, and a transition plan in place. Loans can be used to fund the full purchase price or to supplement a combination of cash, seller financing, and investment capital. In many cases, sellers are willing to...
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### Business loans for office space
> A business loan for office space can help you manage these costs without compromising day-to-day operations. Find out more here, or apply with Swoop today.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/business-loans-for-office-space/
Business loans for office space Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Your business's success is likely tied to multiple factors playing out in your favor. One of them being where you are conducting business. Whether you're launching a new venture, expanding your team, or transitioning out of a coworking setup, securing the right office space can mark a major milestone in your business journey. However, leasing or purchasing a commercial space comes with significant upfront costs such as deposits and renovations to furniture, utilities, and ongoing rent or mortgage payments. A business loan for office space can help you manage these costs without compromising day-to-day operations. By spreading the expense over time, you can lock in the location and setup you need while preserving cash flow for other priorities. Add a header to begin generating the table of contents Can a business loan be used to buy or rent office space? Yes. A business loan can be used to either buy or rent office space, depending on your goals and financial position. If you're looking to purchase a property, you might use a commercial real estate loan to finance the acquisition. These loans...
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### Business loan for app development
> Whether you’re launching a customer-facing mobile app or a custom internal platform, financing can give you the runway to build without delaying progress.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/business-loan-for-app-development/
Business loan for app development Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. With smartphones and digital platforms becoming the norm, many small and medium-sized businesses are turning to custom apps to serve their customers better, streamline operations, and stay competitive. But building a high-quality app doesn’t come cheap. Design, development, testing, and deployment all require upfront capital, and for many businesses, that kind of budget isn’t just sitting in the bank. A business loan for app development can help fill the gap. Whether you’re launching a customer-facing mobile app or a custom internal platform, financing can give you the runway to build without delaying progress or stretching your resources thin. Add a header to begin generating the table of contents Can you get a loan to develop an app? Yes, you can use an asset business loan to fund app development. In fact, many businesses finance tech projects just like they would equipment or marketing investments. As long as the app serves a legitimate business purpose (whether that’s generating revenue, improving efficiency, or enhancing customer engagement), it qualifies as a fundable expense in the eyes of most lenders. Business loans can cover a wide...
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### Business loan for hiring
> Hiring new employees is one of the most effective ways to take on more as your business grows, but it can be pricey. Read more, or apply for finance here.
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/business-loan-for-hiring/
Business loan for hiring Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Hiring new employees is one of the most effective ways to take on more as your business grows, but it can be pricey. Things such as salaries, benefits, recruitment fees, and training expenses can quickly add up, making it difficult for small businesses to scale at the right pace. A small business loan for hiring can provide the necessary funds to bring in new talent without straining cash flow. Whether you're expanding to meet growing demand or investing in specialized skills, financing can help you make the right hires at the right time. Add a header to begin generating the table of contents Can you use a business loan for recruitment? Yes, business loans can be used to cover recruitment and hiring expenses. While most business owners think of loans as a way to finance equipment or inventory, hiring is just as critical to growth. A loan can help pay for salaries, onboarding costs, and even the tools and technology new employees need to do their jobs. Many businesses also use financing to cover recruitment fees, whether it’s for job postings, hiring agencies,...
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### Office fit out finance
> A well-designed office space can improve productivity, enhance company culture, and make a lasting impression on clients. However, office fit-outs can be expensive
- Published: 2025-04-17
- Modified: 2025-04-22
- URL: https://swoopfunding.com/us/business-loans/office-fit-out-finance/
Office fit out finance Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on April 22, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. A well-designed office space can improve productivity, enhance company culture, and make a lasting impression on clients. However, office fit-outs can be expensive, making financing a practical option for many businesses. Whether you’re relocating, expanding, or refurbishing your existing space, securing the right financing can help manage costs while maintaining cash flow. In this guide, we’ll explore office fit out finance, typical costs, available funding options, and how you can access the right financial solution for your business. Add a header to begin generating the table of contents What is an office ‘fit out’? An office fit-out is the process of stocking an office space with the necessary tools, materials, and furniture needed to operate your business. For example, when first starting out you may want to purchase some large desks for your meeting rooms, cubicles for employees, and laptops for them to work from. The issue then stands– how will you pay for this? Many opt for financing. What is fit out finance? Office fit out finance refers to obtaining the funding needed to help businesses cover the cost of refurbishing, renovating,...
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### Overdraft calculator
> Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. Use it free here.
- Published: 2025-04-02
- Modified: 2025-05-15
- URL: https://swoopfunding.com/us/business-loan-calculator/overdraft-calculator/
Overdraft calculator Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. It typically considers factors such as the overdraft amount, interest rate, and the duration of use. I want to borrow £ . 00 Term 31 days Interest rate 34 % This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Total cost of your overdraft £0 Get a quote What is a business overdraft? A business overdraft facility is a flexible borrowing arrangement that allows a business to withdraw more money than is available in its bank account, up to a pre-approved limit. It is a form of short-term credit designed to help businesses manage cash flow, cover unexpected expenses, or bridge gaps between income and expenses. Key Features:Pre-agreed Limit: The bank sets a maximum amount the business can overdraw. Interest Charges: Interest is typically charged only on the amount overdrawn, not the full limit. Fees: Some banks charge arrangement or renewal fees for maintaining the overdraft. Repayment Flexibility: Funds can be repaid at any time, reducing interest costs. All calculators ADR calculator APY calculator Acid test ratio calculator Amortisation calculator Asset finance calculator Basis point calculator Break even calculator Business loan calculator Business rate calculator Business savings calculator Business valuation calculator Car finance calculator Car finance settlement calculator Cash flow calculator Commercial mortgage calculator Commercial stamp duty calculator Compound annual growth rate calculator...
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### Delayed payment loans
> A delayed payment business loan is a type of financing where the borrower does not make payments immediately after receiving funds. Read more or apply here.
- Published: 2025-03-14
- Modified: 2025-03-14
- URL: https://swoopfunding.com/us/business-loans/delayed-payment-loans/
Business loans with delayed first payment Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 14, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. In business, it makes sense to hold on to your valuable working capital as long as you can. Business loans with delayed payments can push the date of the first repayment instalment off by a few months, or even several years. Add a header to begin generating the table of contents What is a business expansion loan? A delayed payment business loan is a type of financing where the borrower does not make payments immediately after...
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### Business loan for expansion
> A business expansion loan is a type of commercial financing that helps US businesses grow by providing capital for scaling operations. Apply with Swoop today.
- Published: 2025-03-14
- Modified: 2025-03-14
- URL: https://swoopfunding.com/us/business-loans/expansion-loans/
Business expansion loans Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 14, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Expansion loans can help small businesses grow without putting strain on cash flow or selling equity to investors. If your finances are stable and you have a solid plan for growth, an expansion loan may be your best option for investing in the future of your business. Add a header to begin generating the table of contents What is a business expansion loan? A business expansion loan is a type of commercial financing that helps US businesses grow by...
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### Senior debt
> Senior debt is a type of loan or financial obligation that has the highest priority in repayment if a company defaults or goes bankrupt. Find out more here.
- Published: 2025-03-14
- Modified: 2025-03-14
- URL: https://swoopfunding.com/us/business-loans/senior-debt/
Senior debt Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 14, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Senior debt may be the most cost-efficient way to finance your business. Giving lenders repayment priority and providing collateral can lower the interest rate you’ll pay across a range of business loans. Add a header to begin generating the table of contents What is senior debt? Senior debt is a type of loan or financial obligation that has the highest priority in repayment if a company defaults or goes bankrupt. It is typically secured by collateral and carries lower interest...
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### Business loan for marketing
> A business marketing loan is a type of financing designed to help businesses fund advertising, branding, and promotional activities to attract customers.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/us/business-loans/marketing-loans/
Business loans for marketing Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. The old saw that says advertising pays still rings true. Getting your business name out there, building awareness for your products and services and creating a brand identity that draws in your customers are essential actions to succeed. However, marketing activities can be expensive and for businesses without deep pockets, using valuable working capital to fund an ad campaign or promotion can be risky. Business marketing loans are designed to overcome this problem. Don’t put strain on cash...
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### Subordinated debt
> Subordinated debt – also known as junior debt - is a type of loan that ranks below senior debt in repayment priority. Find out more, or apply for funding here.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/us/business-loans/subordinated-debt/
Subordinated debt Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. No matter if you need extra working capital, have an acquisition to fund, must cover a business emergency or you simply want to restructure existing borrowing, subordinated debt may be your best solution. Add a header to begin generating the table of contents What is subordinated debt? Subordinated debt – also known as junior debt - is a type of loan or bond that ranks below senior debt in repayment priority. If a company defaults or goes bankrupt, subordinated debt...
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### Middle market loans
> Middle-market lending refers to financing provided to mid-sized companies. Read all about middle market finance here, or apply for funding through Swoop.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/us/business-loans/middle-market-loans/
Middle market loans Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Not too big, not too small. When it comes to business financing, middle market companies may have the best of both worlds – access some of the financial perks the big guys enjoy, savor the flexibility and variety of loans that support small businesses. Add a header to begin generating the table of contents What is middle market lending? Middle-market lending refers to financing provided to mid-sized companies. These loans can help businesses fund expansion programs, acquisitions, restructuring and...
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### Are notes payable included in working capital?
> Notes payable is an agreement where a borrower to repays a specific amount of money to a lender within a set timeframe. See how they effect working capital here
- Published: 2025-02-05
- Modified: 2025-02-05
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/are-notes-payable-included-working-capital/
Are notes payable included In working capital? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 5, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Here at Swoop, we want you to have the tools and insights needed to make informed financial decisions for your business. Understanding how different liabilities impact your working capital can help you manage cash flow more effectively and keep your operations running smoothly. A common question among business owners is whether notes payable are included in working capital. Here’s all we’ll be covering below:When notes payable are classified as working capital. And when they aren't. A thorough explanation of notes payable. Differences between notes payable and other debts. Add a header to begin generating the table of contents Do notes payable count towards working capital? Yes, if the notes payable are due within the next 12 months. Otherwise, they are classified as long-term liabilities and therefore NOT included in working capital. This is because, within the first 12 months, they are considered current liabilities and get included in working capital calculations. What are notes payable? Notes payable is an agreement where a borrower commits to repaying a specific amount of money to a lender within a set timeframe. These agreements...
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### How to calculate working capital
> The formula for calculating working capital is; Working Capital = Current Assets - Current Liabilities. Read more about calculating working capital here.
- Published: 2025-02-05
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/how-to-calculate-working-capital/
How to calculate working capital Join Swoop Key Takeaways Working capital is the difference between current assets and current liabilities, indicating a business’s short-term financial health. Positive working capital shows financial stability and flexibility; negative working capital can signal cash flow issues but may be normal in some industries. Managing working capital effectively improves cash flow and helps businesses stay agile, especially during growth or seasonal fluctuations. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 5, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Working capital fuels so many aspects of your day-to-day business operations, which as a business owner, you’ve likely encountered. But here at Swoop, we’re all about going the extra mile to make sure you know the ‘what’ behind the ‘why’ when it comes to financial factors. This guide explains what working capital is, how to calculate it, and why it matters for your cash flow management. Add a header to begin generating the table of contents What is working capital? Working capital is the measurement of your company's short-term financial health and operational efficiency. It represents the difference between current assets and current liabilities, which in turn, shows if a business has enough short-term assets to cover...
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### What is a change in working capital?
> Change in working capital is the difference in a company’s net working capital between two accounting periods. Find out how to track changes here!
- Published: 2025-02-05
- Modified: 2025-05-08
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-change-working-capital/
What is a change in working capital? Join Swoop Key Takeaways Change in working capital reflects the difference in net working capital between two periods, highlighting shifts in liquidity caused by variations in assets and liabilities. It can be influenced by factors like accounts receivable/payable, inventory changes, business purchases, loans, investments, and expansion, each affecting short-term cash flow. Tracking and managing this change is crucial for maintaining cash flow, supporting growth, and improving creditworthiness. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 8, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. The last thing you want as a business owner is uncertainty, especially when it comes to your working capital. Keeping track of how your cash flows in and out, and understanding what’s driving those changes, is a basic requirement for staying in control of your finances. At Swoop, we’re here to help you make sense of these shifts and give you the tools to manage them with confidence. Let’s break down what change in working capital means, what causes it, and how it can impact your business. Add a header to begin generating the table of contents Change in working capital explained Change in working capital is the difference in...
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### What does working capital requirement measure?
> Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. Read more or apply for funding here
- Published: 2025-02-05
- Modified: 2025-03-17
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/what-does-wcr-measure/
What does working capital requirement measure? Join Swoop Key Takeaways WCR Basics: Working Capital Requirement (WCR) is the short-term funding needed to run daily operations. Key Formula: (Receivables + Inventory) – Payables; positive WCR means more cash is needed, negative WCR signals efficient operations. Why It Matters: Helps manage cash flow, adapt to seasonal changes, and plan for growth. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on March 17, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Short answer: Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. It provides a snapshot of whether you have enough current assets (like cash and receivables) to cover current liabilities (like payables and expenses). But, of course, there’s more to it than just a simple calculation. A clear understanding of your WCR can help you anticipate cash flow gaps, manage operational costs, and plan for sustainable growth. Keep reading to unpack the details on what WCR is, how to calculate it, and why it’s a big part of efficiency in your business. Add a header to begin generating the table of contents What is a working capital requirement (WCR)? Working capital requirement (WCR) is the...
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### What is a good working capital ratio?
> The working capital ratio, also known as the current ratio, measures the relationship between your current assets and current liabilities. Read more here.
- Published: 2025-02-05
- Modified: 2025-05-08
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/what-is-a-good-ratio/
What is a good working capital ratio? Join Swoop Key Takeaways A working capital ratio between 1. 5 and 2. 0 suggests strong financial stability and enough liquidity to cover short-term obligations with a buffer. A ratio below 1 indicates liabilities exceed assets, signalling potential cash flow issues and financial risk. A very high ratio (above 2) may point to inefficient use of assets, with cash or resources sitting idle instead of being reinvested for growth. See Andrea's profile Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 5, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Calculating your business's working capital ratio is one of the simplest and most effective tools to get an idea of your financial standing. It provides a snapshot of whether your company has enough current assets to cover its short-term liabilities. But what makes a working capital ratio “good”? And what does it reveal about your liquidity? Let’s break it down. Add a header to begin generating the table of contents What is a working capital ratio? The working capital ratio, also known as the current ratio, measures the relationship between your current assets and current liabilities. It’s calculated using the formula:Working Capital Ratio = current assets / current...
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### Bad credit working capital loans
> it’s still possible to get a working capital loan with bad credit, but you may have to put in more effort and be flexible on the terms. Read how, or apply here.
- Published: 2025-02-04
- Modified: 2025-02-19
- URL: https://swoopfunding.com/us/business-loans/working-capital-loans/bad-credit-working-capital/
Bad credit working capital loans Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 4, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. It’s hard enough securing funding when you have amazing credit. Having a low credit score can make financing a challenge, especially for small businesses. However, it doesn’t have to stop you from getting the working capital you need to keep your business running smoothly. Whether you’re looking to cover day-to-day expenses or fund growth opportunities, there are financing options available, even if your credit isn’t perfect. Let’s break down what bad credit means, your options for getting a working capital loan, and how Swoop can help. Add a header to begin generating the table of contents What is considered ‘bad credit’? Anything below 600 could...
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### Credit union business loan
> Typically offering competitive interest rates, low fees and a wide range of financial products, credit unions can be a good alternative when you need a loan.
- Published: 2024-11-07
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/credit-union-business-loans/
Credit union business loans Review and compare alternatives to credit union loans with Swoop What is your cash goal? How much funding do you require? attach_money What is your annual revenue? attach_money How old is your business? How old is your business? 0-6 months 6-12 months 1-2 years 2-5 years 5+ years Full name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Loading... arrow_back_ios Here are your potential matches Loans Equity Grants Discover your personalized funding matches – it's free and easy! Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on November 8, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some or all their sales. But how does this financing work? Let’s take a look. Add a header to begin generating the table of contents What is a credit union? Credit unions are nonprofit financial institutions owned by...
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### PayPal business loans
> Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some/all their sales. Read more or apply here.
- Published: 2024-11-07
- Modified: 2024-12-13
- URL: https://swoopfunding.com/us/business-loans/paypal-business-loans/
PayPal business loans Secure your alternative to a PayPal business loan with Swoop What is your cash goal? How much funding do you require? attach_money What is your annual revenue? attach_money How old is your business? How old is your business? 0-6 months 6-12 months 1-2 years 2-5 years 5+ years Full name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Loading... arrow_back_ios Here are your potential matches Loans Equity Grants Discover your personalized funding matches – it's free and easy! Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on November 8, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Fast, simple and easy to apply for, PayPal business loans are suitable for businesses that use PayPal to process some or all their sales. But how does this financing work? Let’s take a look. Add a header to begin generating the table of contents How does a PayPal business loan work? PayPal Business LoansThis type of financing works...
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### How do NGOs get funding?
> NGOs need consistent funding to sustain their operations and continue making an impact. Swoop offers funding solutions to help NGOs access the finance they need
- Published: 2024-11-05
- Modified: 2024-11-08
- URL: https://swoopfunding.com/us/business-grants/ngo-funding/
How do NGOs get funding? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on November 5, 2024. Next review due October 1, 2025. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. You may have heard the acronym NGO mentioned in reference to humanitarian aid or environmental activism, but NGO stands for non-governmental organization, and they play a significant role in addressing various global challenges. However, like all organizations, NGOs need consistent funding to sustain their operations and continue making an impact. Swoop offers tailored funding solutions to help NGOs access the financial support they need. Whether you're running an NGO or seeking to support one, understanding the funding landscape is essential for long-term success. Add a header to begin generating the table of contents What is an NGO? An NGO, or non-governmental organization, is a non-profit that operates independently from government control, typically to address social, environmental, or humanitarian issues. Some common ones include Save the Children and Oxfam International. NGOs vary in size and focus, with some operating on a global scale, while others work within specific communities or regions. These organizations are essential in advocating for marginalized populations, environmental conservation, and crisis response, among other causes. Types of NGOs There are two main types of NGOs; operation and advocacy. Each type...
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### Business-grants in Connecticut
> Connecticut provides its own distinguished selection of grant programs aimed at fostering innovation, supporting minority-owned businesses, and entrepreneurs.
- Published: 2024-11-05
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-grants/best-business-grants-in-connecticut/
Small business-grants in Connecticut: 2025 Guide Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on January 29, 2025. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Connecticut offers a variety of small business grants designed to support entrepreneurs and help them grow their businesses. From state agencies to private organizations, there are plenty of opportunities available to secure funding for everything from startup costs to expansion projects. At Swoop our achievement lies in your ability to access the funding you need to grow or get going. This guide will help you navigate the top small business grants in Connecticut, along with the eligibility criteria and application processes, ensuring you're well-prepared to take advantage of these funding opportunities. Add a header to begin generating the table of contents Small business grants in Connecticut As with many states, Connecticut provides its own distinguished selection of grant programs aimed at fostering innovation, supporting minority-owned businesses, and helping entrepreneurs. Let’s unpack the details of some of the main opportunities below. State Agencies and Innovator ProgramsConnecticut's state agencies, such as the Department of Economic and Community Development (DECD), offer grants and support for businesses, particularly those focused on the tech field. These programs help entrepreneurs and small business owners access capital to...
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### Small-business grants in Oregon
> Oregon offers a variety of grant programs aimed at supporting small businesses across industries. Read about them here, or apply with Swoop today.
- Published: 2024-11-05
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-grants/best-business-grants-in-oregon/
Best small-business grants in Oregon Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on November 5, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Business grants can be a valuable source of financial support, but they often come with high competition and require careful preparation, including a solid understanding of the application process. In this guide, we’ll explore the top grant programs in Oregon, how to apply for them, and the specific opportunities available to help grow your small business. With Swoop as your funding partner, you can also access a range of other financial solutions to complement your grant-seeking efforts, giving your business the support it needs to succeed. Add a header to begin generating the table of contents Small business-grants in Oregon Oregon offers a variety of grant programs aimed at supporting small businesses across industries. These grants provide critical funding to help cover operational costs, expansion, innovation, and recovery from financial hardship. Let’s explore some of these opportunities as well as what they can help Oregon business owners. Business Oregon’s programs Business Oregon, the state's economic development agency, plays a key role in facilitating small business growth through over 80 programs including grants and tax incentives. Rural Business Development Grants of Oregon Operated...
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### Mini digger finance
> Mini digger finance refers to specialized business loans and leases that organizations can use to obtain the excavating equipment they need. Enquire today!
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/mini-digger-finance/
Mini digger finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Fast, nimble, go anywhere – mini diggers provide excellent ground support to large-scale excavators and ‘dozers. However, they may be small and light footed, but these machines often have a sticker price that makes buying them with cash impossible. Mini digger finance is the answer to this problem. Get the excavator you need now, pay over time, eliminate the strain on cash flow. Add a header to begin generating the table of contents What is mini digger finance? Mini digger finance refers to specialized business loans and leases that organizations can use to obtain the excavating equipment they need. This type of financing is more readily...
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### Chauffeur finance
> Chauffeur finance is specialized financing for transport businesses, used to purchase or lease vehicles. Read more or enquire with Swoop today.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/chauffeur-finance/
Chauffeur finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on November 27, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Chauffeur-driven vehicles are a nice way to get around – premium cars, executive services, drivers who exude professional courtesy. However, behind the luxury gloss, chauffeur operators typically face high costs, tough competition and the need to constantly upgrade the transport experience they provide. Funding these types of expenditures out of cash flow can often be prohibitive, which is why many transport operators use chauffeur finance to keep their business wheels turning. But what exactly is chauffeur finance? How does it work and what does it deliver? Read on to find out more. Add a header to begin generating the table of contents What is chauffeur finance? Chauffeur...
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### Forestry equipment finance
> Forestry equipment finance is a specialized form of equipment financing, Designed for businesses in the forestry, logging and lumber industries. Enquire today.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/forestry-equipment-finance/
Forestry equipment finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. The US forestry, logging and lumber industries are worth almost 4% of US GDP, generating hundreds of $billions in revenues every year. As you may expect, industries this big require big investments in big machines, some of which can cost hundreds of $thousands to buy. However, purchasing equipment like this out of cash flow rarely makes economic sense – which is why smart foresters, loggers and lumber yards use forestry equipment finance to buy the machines they need. Read on to find out more. Add a header to begin generating the table of contents What is forestry equipment finance? Forestry equipment finance is a specialized form...
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### CNC machine finance
> CNC machine finance is a form of equipment finance. Businesses use it to buy or lease the big-ticket CNC machinery and equipment they need. Enquire today.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/cnc-machine-finance/
CNC machine finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Computer Numerical Control (CNC) machining is the bedrock of US manufacturing. Controlling everything from industrial lathes and drills to grinders, mills and more, CNC technology can make light work of very complex tasks. However, CNC machinery does not come cheap, and paying for it out of cash flow can be prohibitive. Fortunately, CNC machine finance is here to take the load. Read on to learn more about this form of business funding, how to get it, and what the benefits are. Add a header to begin generating the table of contents What is CNC machine finance? CNC machine finance is a form of equipment finance. Businesses...
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### Material handling equipment financing
> Material handling equipment is designed to move all kind of goods and materials from A to B, but this comes at a cost. Find out more, or sign up with Swoop today.
- Published: 2024-10-08
- Modified: 2025-01-29
- URL: https://swoopfunding.com/us/business-loans/asset-finance/material-handling-equipment-finance/
Material handling equipment finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on December 4, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Factories, warehouses, airports, seaports, logistics centers and more - in many types of location you’ll see specialized machinery keeping business humming. Material handling equipment is designed to move all kind of goods and materials from A to B, but for smart business owners, these expensive machines all have one thing in common: The best way to buy them is with an equipment lease or loan. Add a header to begin generating the table of contents What is material handling equipment finance? Material handling equipment finance is a form of equipment financing, Suitable for businesses in many different industries – manufacturing, agriculture, food processing, construction, logistics...
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### Crane equipment finance
> Crane finance is a specialized form of equipment financing, spreading the cost of expensive machinery over time. Read more or apply for crane finance here.
- Published: 2024-10-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/crane-finance/
Crane finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. You see them on construction sites, in factories, on farms and at the port. High, low, mobile or fixed, industrial cranes are everywhere and anywhere – providing major muscle when big things are on the move. Without a doubt, many industries and businesses could not function without these huge machines. But with price tags often in the $millions, buying them out of working capital can often be impossible – which is why savvy business owners use crane finance to take the strain. Add a header to begin generating the table of contents What is crane finance? Crane finance is a specialized form of equipment financing, Designed for...
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### Supercar finance
> They go fast, they look great and they cost far more than your typical daily driver. Read more about supercar finance, or arrange your exotic car finance here.
- Published: 2024-10-04
- Modified: 2024-12-04
- URL: https://swoopfunding.com/us/business-loans/asset-finance/supercar-finance/
Supercar finance How much finance do you need? Asset value $ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. They go fast, they look great and they cost far more than your typical daily driver. Supercars are in a different league when it comes to automobiles. But how do you buy one without spending piles of cash? Read on to find out more about supercar financing and what you need to qualify. Add a header to begin generating the table of contents What cars are classed as supercars? Supercars, exotic cars, and hypercars, are all part of an elite class of automobile that pushes the boundaries of luxury, performance, rarity, styling and price. However, as the names suggest, there are subtle differences between these types of...
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### ​​Accounts receivable financing vs. invoice factoring
> When businesses need quick access to cash, they often consider funding options like invoice factoring and accounts receivable financing, but which is best?
- Published: 2024-10-03
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-accounts-receivables/
Accounts receivable financing vs. invoice factoring Add a header to begin generating the table of contents × When businesses need quick access to cash, they often consider funding options that involve their accounts receivable. Two of the most common methods are invoice factoring and accounts receivable financing. While these terms are often used interchangeably, they represent distinct funding solutions with unique features and benefits. Here at Swoop, we aim to provide you with the best funding options available, we also want to provide insight for you to make the best decisions for you and your business. In this guide, we’ll break down the differences between receivable financing and invoice factoring, helping you determine which option best fits your business needs. Add a header to begin generating the table of contents What is invoice factoring? Invoice factoring is a financing solution where a business sells its outstanding invoices to a factoring company (or "factor") at a discount. By doing so, the business immediately receives a percentage of the invoice's value in cash, typically around 70-90%, and the factor takes responsibility for collecting the payment from the customer. Factoring is especially useful for businesses that need a quick cash infusion but can’t wait for their customers to pay their invoices. It can be a lifeline for companies with extended payment terms or those experiencing cash flow challenges. How does invoice factoring work? Invoice factoring takes an outstanding invoice, and sells it over to a factoring company for a percent of its value...
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### Invoice factoring vs. invoice discounting: What's the difference?
> When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting, but which is right for you? Find out here.
- Published: 2024-10-03
- Modified: 2025-05-02
- URL: https://swoopfunding.com/us/business-loans/invoice-factoring/factoring-vs-discounting/
Invoice factoring vs. invoice discounting: What's the difference? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on October 9, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting. While both options allow companies to access the funds tied up in unpaid invoices, they operate in distinct ways. This guide will explain the difference between factoring and discounting, helping you decide which option best suits your business needs. Add a header to begin generating the table of contents What is invoice factoring? Invoice factoring involves selling your unpaid invoices to a third-party company (called a factor) at a discounted rate. In exchange, the factor provides your business with a significant portion of the invoice's value upfront, typically 70-90%. The factor then assumes responsibility for collecting payment from your customers. Once the customer pays the invoice, the factor will give you the remaining balance minus their fees. Invoice factoring is ideal for businesses that need quick access to cash and want to offload the burden of managing collections. However, since the factor interacts directly with your customers, it can impact customer relationships if you’re not careful. What is invoice discounting? Invoice discounting, on...
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### Business line of credit without revenue
> Business lines of credit without revenue & other types of borrowing for startups are available through Swoop. Read more here, or apply with Swoop today.
- Published: 2024-09-30
- Modified: 2024-11-27
- URL: https://swoopfunding.com/us/business-loans/business-line-of-credit/no-revenue/
Business line of credit without revenue Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. It’s the old chicken and egg dilemma – you need a loan to start a new business, but you can’t get a loan until your business is already making money. So, what to do? The good news is that although it is more challenging to obtain funding for a new business without revenues, it’s not impossible. Lines of credit and other types of borrowing for startups and organizations without revenues are available if you prepare in advance... and know where to look. Add a header to begin generating the table of contents What is a line of credit? A business line of credit – also known as a revolving line of credit - is a business loan that functions like a high-value business credit card. Unlike a standard term loan, where you get all the cash in one lump sum, revolving credit lines allow businesses to withdraw as much as they want –...
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### Car finance settlement calculator
- Published: 2024-09-20
- Modified: 2024-09-20
- URL: https://swoopfunding.com/us/business-loan-calculator/car-finance-settlement-calculator/
Car finance settlement calculator Our free car finance settlement calculator can help you estimate your final outstanding payment to clear your outstanding finance. Original loan amount $ . 00 Length of agreement 36 months Monthly payments $ . 00 Final repayment $ . 00 Number of payments made 6 This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Total payments so far $0 Outstanding amount (settlement) $0 Annual percentage rate (APR) 0% Get a quote How to calculate car finance settlement This amount includes the remaining balance, interest, and any early settlement fees. Here's a general formula to calculate the settlement amount manually:Outstanding balance: Start with the total amount still owed on the loan. Early repayment interest: This can vary based on the lender but is often a portion of the remaining interest on the loan. Early settlement fee: Some lenders may charge a fee for early repayment. The calculation would look like the below:Settlement Amount = Outstanding Balance + Interest Adjustment + Early Settlement Fee All calculators 401k retirement calculator ADR calculator APY calculator Acid test ratio calculator Amortization calculator Asset finance calculator Auto loan calculator Basis point calculator Break even calculator Business loan calculator Business savings calculator Business valuation calculator California sales tax calculator Car finance calculator Cash flow calculator Commercial mortgage calculator Commercial real estate calculator Compound annual growth rate calculator Compound interest calculator Cost of equity calculator Currency converter Debt...
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### Car finance calculator
- Published: 2024-09-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-loan-calculator/car-finance-calculator/
Car finance calculator Our free car finance calculator can help you estimate your monthly repayments when taking out finance. Repayments Total borrow Amount borrowed $ . 00 Loan term 5 years Annual percentage rate 10% How much can you repay each month? $ . 00 Loan term 5 years Annual percentage rate 10% This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Monthly repayments $0 Interest payments $0 Total amount $0 Amount you could borrow $0 Interest payments $0 Total amount $0 Get a quote How to calculate car finance payments To calculate your monthly asset finance costs, you'll need the following:Car Price: The total price of the vehicle. Deposit: The amount you're putting down upfront. Loan Term: The number of months or years over which you plan to repay the loan. Interest Rate: The percentage the lender charges on the loan. Final Balloon Payment (Optional): A large payment at the end of some car finance agreements (like PCP). All calculators 401k retirement calculator ADR calculator APY calculator Acid test ratio calculator Amortization calculator Asset finance calculator Auto loan calculator Basis point calculator Break even calculator Business loan calculator Business savings calculator Business valuation calculator California sales tax calculator Cash flow calculator Commercial mortgage calculator Commercial real estate calculator Compound annual growth rate calculator Compound interest calculator Cost of equity calculator Currency converter Debt service coverage ratio calculator Depreciation calculator (straight-line method) Development finance...
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### Customer financing
> When times are tight, customers typically reduce their spending, with expensive goods & services often taking a hit. See how you can customer offer finance here
- Published: 2024-09-13
- Modified: 2024-11-27
- URL: https://swoopfunding.com/us/business-loans/customer-financing/
Customer financing Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. When times are tight, customers typically reduce their spending and more expensive goods and services often take a hit. But it doesn’t have to be like that. Customer financing can encourage your buyers to buy more goods and services and buy more costly items by paying in instalments instead of all at once. Add a header to begin generating the table of contents What is customer financing? Customer financing is a payment program or service that allows customers to purchase goods or services through instalment plans, rather than paying the full amount upfront. Typically offered by retailers or third-party financial institutions, customer financing can include loans, credit plans, or buy-now-pay-later options. This method makes expensive items more accessible by spreading payments over time, often with interest, though some plans may offer interest-free periods. For businesses, customer financing can boost sales, attract more buyers, and increase customer loyalty, while for customers, it provides greater flexibility in managing their...
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### How much business loan can I get
> Loan amounts vary according to the type of loan and what kind of lender is providing funds. Read more on averages here, or how to increase your loan size here.
- Published: 2024-09-13
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-loans/how-much-business-loan-can-i-get/
How much can I borrow with a business loan? Join Swoop Key Takeaways Business loan sizes vary widely – from a few thousand dollars to over $5 million – depending on the loan type, lender, your business's creditworthiness, and collateral. Loan approval and amounts are based on financial metrics like revenue, credit score, debt levels, and affordability, with banks generally stricter than online or alternative lenders. To maximise your loan offer, consider boosting your financial profile, offering extra collateral, or using a loan marketplace like Swoop to compare tailored options and get expert support. See Andrea's profile Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. How big is a business loan? That’s a little like asking ‘how long is a piece of string? ’, because business loans can range from a few $thousand up to the many $millions or even $billions, although these stratospheric deals are strictly reserved for very large organizations with global reach. Meanwhile, back on planet earth, how big are typical business loans and...
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### What is business loan collateral
> You may have heard the term ‘collateral’ before but are unsure what it means or how it works. Find out more here, or apply for funding with Swoop today.
- Published: 2024-09-13
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-loans/what-is-business-loan-collateral/
What is business loan collateral? Join Swoop Key Takeaways Collateral is an asset pledged to secure a loan, helping reduce lender risk and potentially improving loan terms. Common collateral includes property, equipment, inventory, or invoices; not all loans require it. Alternatives without collateral include equipment financing, merchant cash advances, credit cards, crowdfunding, and external investment. See Andrea's profile Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. You may have heard the term ‘collateral’ before but are unsure what it means or how it works. Essentially, collateral offsets risk when lenders provide a loan. It’s a simple trade-off - you provide assets that lenders can sell if you default on the loan and they provide you with the funds your business needs. Add a header to begin generating the table of contents What is collateral? Collateral is an asset or property that a borrower offers to a lender as security for a business loan. If the borrower fails to repay the loan, the lender can seize the collateral...
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### Types of collateral you can use to secure a small business loan
> Collateral is an asset or property that a borrower offers to a lender as security for a business loan. Read here about its types and how can you secure one.
- Published: 2024-09-09
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/collateral-for-business-loan/
Types of collateral you can use to secure a small business loan Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset You may have seen small business loans described as ‘secured’ or ‘unsecured’ but be usure what that means. In fact, all it means is that the borrower provides collateral to protect the lender in a secured loan and no collateral when the debt is unsecured. So, what is collateral? How does it work, what assets can you use, and how are they valued? Read on to find out more. Add a header to begin generating the table of contents What...
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### Business loans under $5k
> $5,000 business loans are small financial transactions designed to cover temporary shortfalls in working capital. Learn more about to get one with Swoop.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/business-loans-under-5k/
Business loans under $5k Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Sometimes in business your ambitions can be stunted by the lack of a small amount of cash – often less than $5,000. Unplanned cashflow dips, business emergencies, sudden opportunities – many kinds of event can leave you short of cash when you least expect it – and in some instances, these minor issues can open the door to bigger problems down the road. Fortunately, there’s an answer to this dilemma: Small business loans for $5k or less can plug financial gaps and keep your business moving forwards. Use...
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### Business loans for women
> What kind of loans can female business owners obtain? Where can they get them? And how do they choose the best loan for their organization? Find out more.
- Published: 2024-09-06
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-loans/business-loans-for-women/
Business loans for women Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Females make up more than 50% of the US population, but only 39% of US businesses are currently owned by women. A lack of funding for female entrepreneurs to support start-ups, fuel expansion plans, and buy property and equipment, is named as a key reason business ownership by women is so low. Fortunately, this situation is changing, as more independent providers are joining the US business lending market and making more funding available for women entrepreneurs to close the gender-finance gap. But what kind of loans can female business owners obtain? Where can they get them? And how do they choose the best loan for their organization? Read on to find out more. Add a header to begin generating the table of contents Challenges women face in business financing It’s seldom easy to launch or grow a small business, but female entrepreneurs typically face additional challenges in their quest for business success. Common problems include....
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### Business loan vs. personal loan
> Business loans can be an efficient borrowing to help your business grow but if your financial history is weak, a personal loan for business can be better.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/business-loan-vs-personal-loan/
Business loan vs. personal loan Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 6, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset You may be an entrepreneur who needs cash to get their start-up off the ground, or you could be a business owner who needs more working capital. Either way, you’ll always want the fastest, most efficient type of borrowing to help your business grow. In many cases, this will usually mean a business loan that’s shaped to fit your business, but if your company is new or your financial history is weak, a personal loan for business use may be a better way to go. Add a...
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### Invoice factoring for businesses with bad credit
> Invoice factoring (also known as account receivables financing or invoice financing), functions like a business credit line or a series of short-term bank loans.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/invoice-factoring/invoice-factoring-for-bad-credit/
Invoice factoring for businesses with bad credit Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 6, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset It only takes one financial misjudgment or a streak of bad luck to see your good credit turned into bad credit and then you’re locked out from many types of business loan. However, it doesn’t have to be like that. Read on to find out more about invoice factoring for businesses with bad credit, and how you can quickly unleash the value of your unpaid invoices to help your business grow. Add a header to begin generating the table of contents How does invoice factoring...
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### Alternative business lending
> Alternative business lending is a term for business finance options that are not conventional bank loans. Learn more about alternative lending with Swoop.
- Published: 2024-09-06
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/alternative-business-lending/
Alternative business lending Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 9, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset When your business requires a loan but your traditional bank says ‘no’, or you can’t wait weeks or months for loan approval, fast and flexible alternative business lending may be the best solution for your funding needs. Add a header to begin generating the table of contents What is alternative business lending? Alternative business lending is a term for business finance options that are not conventional bank loans. Also known as ‘online lending’ this type of funding is provided by nonbank lenders such as fintech companies or private investors...
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### Commercial real estate
> The term commercial real estate (CRE) refers to properties that are utilized for business purposes or are leased out to tenants who use them to generate income.
- Published: 2024-08-19
- Modified: 2024-08-27
- URL: https://swoopfunding.com/us/commercial-real-estate/
Commercial real estate Buying commercial real estate can provide security and a wealth base for your small business, giving you a solid foundation to grow and prosper. What is commercial real estate? The term ‘commercial real estate’ (CRE) refers to properties that are utilized for business purposes and are primarily leased out to tenants who use them for income-generating activities. The scope of commercial real estate is very broad and can encompass a wide range of property types, from small individual storefronts and large shopping malls, to factories, office blocks, gas stations, theaters and more. Alternatively, you could buy commercial real estate as an investment – generate good cash flow from tenant rents and service charges while your property value increases. Commercial real estate types Commercial real estate test How to buy commercial real estate Commercial real estate loan down payment Commercial real estate due diligence Commercial real estate auction Commercial real estate bridge loans Commercial real estate construction loans Commercial real estate insurance Commercial real estate investment Commercial real estate loans Commercial real estate loans with no down payment How to invest in commercial real estate What is commercial real estate? What are the different types of commercial real estate property? Any kind of building or property that is used for business purposes can be classed as commercial real estate. Most CRE falls into the following categories of property:1. OfficeOffice buildings may be categorized as either urban or suburban. Urban office buildings often include skyscrapers and high-rise properties, sometimes...
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### Personal loans for business
> A personal loan is a type of borrowing provided by financial institutions to individuals for various personal expenses. Read on to find out the best loans here.
- Published: 2024-07-31
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/personal-loans-for-business/
Personal loans for business Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 7, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset You may be an entrepreneur who needs cash to get their start-up off the ground, or you could be a business owner who can’t wait for a traditional business loan to fund. Either way, a personal loan that relies on your personal credit score and income instead of your business’ performance may be a viable alternative to commercial financing. Add a header to begin generating the table of contents What is a personal loan? A personal loan is a type of borrowing provided by financial institutions to individuals...
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### Commercial real estate calculator
> By using this free commercial real estate loan calculator, investors can evaluate the financial performance of a property, helping them make informed decisions.
- Published: 2024-07-30
- Modified: 2024-08-29
- URL: https://swoopfunding.com/us/business-loan-calculator/commercial-real-estate-calculator/
Commercial real estate calculator Use our simple commercial real estate calculator to get an idea of what your monthly repayments could be and how much interest you will pay throughout the term of your real estate loan. By using this commercial real estate calculator, investors can evaluate the financial performance of a property, helping them make informed decisions. × Commercial real estate calculator formula: Calculating the cost of a commercial real estate loan involves understanding several key factors, including the loan amount, interest rate, loan term, and any additional fees. Here’s a detailed guide on how to compute the total cost of a commercial real estate loan:Elements in calculating a commercial real estate loanLoan amount: The principal amount borrowed to purchase the property. Interest rate: The annual interest rate charged on the loan. Loan term: The duration over which the loan is to be repaid. Monthly loan payment: The amount paid monthly, which includes both principal and interest. Total interest paid: The total amount of interest paid over the life of the loan. Additional fees: Fees such as origination fees, closing costs, appraisal fees, and other related expenses. Step-by-step calculation1. Monthly loan paymentThe monthly loan payment can be calculated using the formula for a fixed-rate mortgage:M = P * Where:M = Monthly paymentP = Loan amount (principal)r = Monthly interest rate (annual interest rate divided by 12)n = Total number of payments (loan term in years multiplied by 12)2. Total interest paidTotal interest paid over the life of the loan...
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### Low interest business loans
> A low-interest business loan is what it says on the tin – commercial financing that comes with reduced interest rates and fees. Read more with Swoop.
- Published: 2024-07-29
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/low-interest-business-loans/
Low interest business loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 29, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Interest charges on business loans can add up, sometimes leaving US business owners paying thousands or even tens of thousands of dollars over the term of the loan. However, there are other options: Low-interest business loans are specialized commercial financing options that come with favorable interest rates and lower fees that can significantly reduce the cost of borrowing. Read on to find out more about these types of loans and how you can get one. Add a header to begin generating the table of contents What is a...
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### Hard money business loans
> Hard money business loans can be a fast and easy source of funding for US business owners if they have sufficient collateral. Read more with Swoop.
- Published: 2024-07-29
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/hard-money-business-loans/
Hard money business loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 29, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Hard money business loans can be a fast and easy source of funding for US business owners if they have sufficient collateral. However, this type of financing is usually short-term, comes with high interest rates and fees and can be risky for the borrower. Add a header to begin generating the table of contents What is a hard money business loan? A hard money business loan is a secured business loan that requires the borrower to provide collateral to the lender. Hard money loans are typically provided by...
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### Business loan for 500 credit score
> The truth is, with a personal credit score of 500, your access to business financing will be limited. Read more about how to get one with Swoop.
- Published: 2024-07-29
- Modified: 2024-10-09
- URL: https://swoopfunding.com/us/business-loans/business-loan-for-500-credit-score/
Business loan for 500 credit score Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 29, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset It doesn’t take much to see your personal credit score fall to 500 or even less. One financial misjudgment or a streak of bad luck can turn your good credit into bad credit and then you’re barred from many types of business loan. However, it doesn’t have to be like that. By preparing in advance and tailoring your loan request to match your financial situation, you may still be able to obtain the funds you need even with a credit score of 500 or below. Add...
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### Small business grants in Pennsylvania
> Business grants are effectively free money – and they’re a great way for Pennsylvania entrepreneurs to launch or finance a business.
- Published: 2024-07-29
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-pennsylvania/
Small business grants in Pennsylvania Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Pennsylvania entrepreneurs to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents Best small business grants in Pennsylvania If you’re looking for a small business grant and you’re based in the Keystone State, you’re in luck. There are many grant programs to choose from....
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### Iowa small business grants
> If you’re an Iowa-based business owner in need of funds, small business grants could be your solution. Learn more with Swoop.
- Published: 2024-07-29
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/lowa-small-business-grants/
Iowa small business grants Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset If you’re an Iowa-based business owner in need of funds, small business grants could be your solution. Provided by government departments, corporations, foundations and other organizations, business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents How do I get a small business grant in Iowa? Small business owners and entrepreneurs in Iowa can improve their chances of winning a business grant by preparing in advance....
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### Business tax
> Whether you’re a sole trader, a startup, or an SME in the US, you'll need to ensure that your business taxes are in order. Read our free guides here.
- Published: 2024-07-22
- Modified: 2024-07-22
- URL: https://swoopfunding.com/us/business-tax/
Business tax Discover a funding solution for your business that meets the demands of your sector Business loans If you need quick access to finance to relieve your tax burden, you can view funding options here. read more Working capital loans Many businesses go through periods when cash is tight. Some companies have fluctuating sales cycles that make this problem a regular occurrence. read more Invoice finance Invoice financing lets you complete an order, send a bill, and have funds advanced to you in 48 hours or less. Then you have the cash you need to buy materials, cover expenses and grow. read more Asset based lending Asset-based lending is a common way for businesses to improve their working capital if access to traditional financing options has proven to be difficult. read more
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### Business grants for native Americans
> Business grants can provide crucial funding for Native Americans seeking to advance their career, launch a startup, or grow their current business. Learn more.
- Published: 2024-07-16
- Modified: 2024-07-16
- URL: https://swoopfunding.com/us/business-grants/business-grants-for-native-americans/
Business grants for Native Americans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 16, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants can provide crucial funding for Native Americans seeking to advance their career, launch a startup, or grow their current business. Although grants are typically competitive and may come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents How can Native Americans get a small business grant? Native American business owners...
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### What is a government grant and how do they work?
> Government business grants can be used to support business opportunities, or initiatives in the arts, education, research and more. Learn more with Swoop.
- Published: 2024-07-16
- Modified: 2025-05-09
- URL: https://swoopfunding.com/us/business-grants/what-is-a-government-grant-and-how-do-they-work/
What is a government grant and how do they work? Join Swoop Key Takeaways US government grants offer vital, non-repayable funding to small businesses and non-profits, but involve strict eligibility, complex applications, and high competition. Grants are awarded at federal, state, and local levels, often tied to specific purposes, with funding typically disbursed in stages. Alternatives to grants include various forms of business loans and financing, many of which require less documentation and offer faster access to funds. See Andrea's profile Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Across the US, local, state and federal government bodies provide grants for small businesses and non-profits. Collectively, these authorities are the nation’s biggest source of grant money and services. Getting a government grant can take your business, initiative or special project to the next level and beyond. Read on to find out all you need to know about this important source of funding. Add a header to begin generating the table of contents How do government grants work?...
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### Business grants for immigrants
> Available from non-profits, foundations, organizations and government sources, small business grants for immigrants can help to get a startup started.
- Published: 2024-07-15
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/business-grants-for-immigrants/
Business grants for immigrants Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset It’s never easy getting a new venture off the ground or taking an existing business to the next level – lack of cash, limited commercial experience and low customer awareness can hinder even the best idea and preparations. However, if you’re an immigrant entrepreneur, the hurdles to success can be even higher. Being new to the US, immigrants often lack the minimum credit and business histories to get the funds they need to launch or grow a business. Fortunately, there’s a solution to this problem. Available from non-profits,...
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### Small business grants in South Carolina
> Small business owners and entrepreneurs in South Carolina can improve their chances of winning a business grant by preparing in advance. Learn more with Swoop.
- Published: 2024-07-15
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-south-carolina/
Small business grants in South Carolina Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Provided by government departments, corporations, foundations and other organizations, small business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents How to get a small business grant in South Carolina Small business owners and entrepreneurs in South Carolina can improve their chances of winning a business grant by preparing in advance. Key tasks to take care of include:Identify your need for the grant. Why...
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### Best small business grants in New York
> If you’re seeking financing and your business is based in New York, you’re in luck. Learn how can you do this with Swoop.
- Published: 2024-07-15
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/best-small-business-grants-in-new-york/
Best small business grants in New York Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for New Yorkers to launch or finance a business or create opportunities to support their community. NY State Trade Expansion Program (STEP)The NY State Trade Expansion Program provides grants to small businesses entering the export market. Funds can be used for virtual services, compliance testing, export training workshops, international marketing campaigns, foreign market sales trips and...
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### Small business grants in New Jersey
> Small business grants can be an excellent way for New Jersey business owners to fund their big ambitions. Learn more with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-new-jersey/
Small business grants in New Jersey Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can be an excellent way for New Jersey business owners to fund their big ambitions. Unlike commercial loans, grants are free money – they do not need to be repaid – and credit scores and many of the usual requirements of commercial lending typically do not apply. Add a header to begin generating the table of contents How do small business grants work? Provided by government departments, corporations, foundations and other organizations, business grants can be used to support business opportunities, or initiatives...
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### Guide to small business grants in Missouri
> Business grants can help Missouri entrepreneurs start or grow a business, conduct valuable research, even recover their expenses from an export drive.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-missouri/
Guide to small business grants in Missouri Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants can help Missouri entrepreneurs start or grow a business, conduct valuable research, complete a project, even recover their expenses from an export drive. Add a header to begin generating the table of contents Types of small business grants The basic premise of all business grants is the same – it’s free money that your business does not have to pay back – but the funds can be used for many different purposes, such as financing business innovation, community improvements, export growth, technology advancement,...
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### Best business grants in Louisiana
> Small business grants can provide crucial funding for Louisiana entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/best-business-grants-in-louisiana/
Best business grants in Louisiana Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can provide crucial funding for Louisiana entrepreneurs seeking to launch a startup or grow their current business. Although business grants are typically difficult to secure and often come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents Best business grants available in the state of Louisiana: STEP grantsThe STEP...
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### Small business grants in Indiana
> If you’re an Indiana business owner in need of funds, small business grants could be your solution. Learn more about them with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-indiana/
Small business grants in Indiana Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset If you’re an Indiana business owner in need of funds, small business grants could be your solution. Provided by government departments, corporations, foundations and other organizations, business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents How do I get a small business grant in Indiana? Small business owners and entrepreneurs in Indiana can improve their chances of winning a business grant by preparing in...
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### Small business grants in Illinois
> Illinois has no shortage of small business grants and they come in many shapes and sizes, which means finding the right grant for you may require some homework.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-illinois/
Small business grants in Illinois Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Illinois entrepreneurs to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents Types of grants for small businesses in Illinois: Illinois has no shortage of small business grants and they come in many shapes and sizes, which means finding the right grant for you...
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### Small business grants in Arizona
> Small business grants can provide crucial funding for Arizona entrepreneurs seeking to launch a startup or grow their current business. Learn more with Swoop.
- Published: 2024-07-11
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/small-business-grants-in-arizona/
Small business grants in Arizona Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can provide crucial funding for Arizona entrepreneurs seeking to launch a startup or grow their current business. Although business grants are typically difficult to secure and often come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents How do business grants work? Provided by Government departments, corporations, foundations and...
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### Grants for disabled small business owners
> Available from non-profits, government sources etc., small business grants for business owners with disabilities can help to get a startup off the ground & grow.
- Published: 2024-07-04
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/grants-for-disabled-small-business-owners/
Grants for disabled small business owners Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Almost 2 million US small businesses are owned by people with disabilities and working for yourself is more popular with disabled entrepreneurs than it is for people in the general workforce. However, like most other small business owners, entrepreneurs with disabilities frequently encounter problems securing funds to launch or grow their business. This can hold them back and limit their success. Fortunately, there’s a solution to this problem. Available from non-profits, foundations, organizations and government sources, small business grants for business owners with disabilities can help...
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### Top small-business grants in Wisconsin
> Small business grants can be an excellent way for Wisconsin business owners to fund their big ambitions. Learn more about them with Swoop.
- Published: 2024-07-04
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/wisconsin-business-grants/
Top small-business grants in Wisconsin Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can be an excellent way for Wisconsin business owners to fund their big ambitions. Unlike commercial loans, grants are free money – they do not need to be repaid – and credit scores and many of the usual requirements of commercial lending typically do not apply. Add a header to begin generating the table of contents How do small-business grants work? Wisconsin business owners seeking grant funding should expect a lengthy application process, typically needing to meet strict guidelines, timelines and other qualifying criteria....
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### Top small-business grants in Texas
> Business grants can provide crucial funding for Texas entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/texas-business-grants/
Top small-business grants in Texas Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Texans to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents How do I get a small business grant in Texas? Texas small business owners and entrepreneurs can improve their chances of winning a business grant by preparing in advance. Key tasks to take...
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### Top small-business grants in Ohio
> Business grants can provide crucial funding for Ohio entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/ohio-business-grants/
Top small-business grants in Ohio Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants can provide crucial funding for Ohio entrepreneurs seeking to advance their career, launch a startup, or grow their current business. Although small business grants are typically difficult to secure and come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. No debt to carry. Add a header to begin generating the table of contents Ohio-specific small business grants If you’re in Ohio and you’re...
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### Top small-business grants in Minnesota
> Business grants are free money, there’s no need to repay the funds – and they’re a great way for Minnesota entrepreneurs to launch or finance a business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/minnesota-business-grants/
Top small-business grants in Minnesota Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Minnesota entrepreneurs to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents How do small business grants work? Provided by Government departments, corporations, foundations and other organizations, small business grants deliver funding that can be used to support business opportunities, or initiatives in the...
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### Top small-business grants in Georgia
> If you’re a Georgia business owner in need of funds, small business grants could be your solution. Learn more about grant options with Swoop.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/georgia-business-grants/
Top small-business grants in Georgia Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset If you’re a Georgia business owner in need of funds, small business grants could be your solution. Provided by Government departments, corporations, foundations and other organizations, business grants are effectively free money. There’s no need to repay the funds if you spend them where you said you would. Add a header to begin generating the table of contents Georgia small business grants Covering everything from agricultural development to urban renewal, Georgia provides a wide range of small business grants for qualifying businesses. Here are a few to...
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### Top small-business grants in Florida
> Small business grants can provide crucial funding for Florida entrepreneurs seeking to advance their career, launch a startup, or grow their current business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/florida-business-grants/
Top small-business grants in Florida Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Small business grants can provide crucial funding for Florida entrepreneurs seeking to advance their career, launch a startup, or grow their current business. Although business grants are typically difficult to secure and come with strict qualifying rules, they have major benefits that are very hard to beat: Grants are free money. You don’t have to repay the funds. There’s no interest to pay. There’s no debt to carry. Add a header to begin generating the table of contents How do I get a small business grant in...
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### Top small-business grants in Colorado
> Small business grants can be an excellent way for Colorado business owners to fund their big ambitions. Learn more about business grants with Swoop.
- Published: 2024-06-28
- Modified: 2024-11-27
- URL: https://swoopfunding.com/us/business-grants/colorado-business-grants/
Top small-business grants in Colorado Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Small business grants can be an excellent way for Colorado business owners to fund their big ambitions. Unlike commercial loans, grants are free money – they do not need to be repaid – and credit scores and many of the usual requirements of commercial lending typically do not apply. Add a header to begin generating the table of contents How do small business grants work? Colorado business owners seeking grant funding should expect a lengthy application process, typically needing to meet strict guidelines, timelines and other qualifying criteria. Additionally, they should be aware that competition for this type of funding is often fierce and even if they do qualify, the award sum may be small, requiring them to seek additional finance. Many business grants are tied to specific goals – entrepreneurial, educational, creative and motivational – and selection committees have full control of the award process and the sums distributed. As well as meeting...
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### Top small-business grants in California
> Business grants are free money, there’s no need to repay the funds if you use them. They’re a great way for Californians to launch or finance a business.
- Published: 2024-06-28
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/california-business-grants/
Top small-business grants in california Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 4, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. Linkedin Websiteweb_asset Business grants are effectively free money – there’s no need to repay the funds if you use them as you said you would – and they’re a great way for Californians to launch or finance a business or create opportunities to support their community. Add a header to begin generating the table of contents How do business grants work? Provided by Government departments, corporations, foundations and other organizations, business grants can be used to support business opportunities, or initiatives in the arts, education, research and more. However,...
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### LGBTQ+ small business grants
> Starting or growing a small business can be a challenge, especially for LGBTQ+ entrepreneurs who may face additional barriers. Learn more with Swoop.
- Published: 2024-06-28
- Modified: 2025-03-17
- URL: https://swoopfunding.com/us/business-grants/lgbtq-small-business-grants/
LGBTQ+ Small business grants and resources Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Starting or growing a small business can be a challenge, especially for LGBTQ+ entrepreneurs who may face additional barriers. Fortunately, there are specific business grants and resources available to support LGBTQ+ businesses. This guide will help you understand the various grants and resources that can provide the financial support you need. Add a header to begin generating the table of contents How much do you need? Before applying for any grant, it’s important to determine how much funding you require. This involves assessing:Startup costs: Initial expenses such as equipment, permits, and initial inventory. These are essential to get your business off the ground. Operational costs: Ongoing expenses, including rent, utilities, salaries, and marketing. These costs are crucial for maintaining business operations and should be carefully estimated. Expansion costs: Costs associated with scaling your business, like new locations or additional staff. Planning for growth ensures your business can seize new opportunities without financial strain. Having a clear financial plan will help you choose the right grant and improve your chances of securing funding. Use financial planning tools or consult with a financial...
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### Startup business grants
> Government grants are a big source of funding for startups, offering substantial financial support without the need for repayment. Learn more with Swoop.
- Published: 2024-06-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-grants/startup-business-grants/
Startup business grants Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Starting a new business is an exciting venture, but finding the funds to get your startup off the ground can be challenging. Fortunately, there are numerous startup business grants available that provide free funding to help entrepreneurs launch and grow their businesses. Here at Swoop we help you explore various types of grants, including those offered by the government, private companies, and nonprofits, as well as small-business incubator programs. We'll also discuss how to apply for these grants and consider alternative funding options if grants aren't suitable for your needs. Add a header to begin generating the table of contents Government startup business grants and resources Government grants are a big source of funding for startups, offering substantial financial support without the need for repayment. These grants often come with specific requirements and are designed to support various business activities, such as research and development, innovation, and support for minority-owned businesses. Grants. gov Grants. gov is the primary resource for finding and applying for federal grants. This platform is a comprehensive database of all grant programs offered by the U. S. government. What is...
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### Visiting Angels
> Visiting Angels specializes in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 provider in the US. Learn more.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/visiting-angels/
Visiting Angels franchise Hassle-free business loans to start your Visiting Angels franchise. Get started Visiting Angels specializes in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 ranked provider in the US senior care industry. Visiting Angels business details Visiting Angels were founded in 1991 and are based in Bryn Mawr, Pennsylvania. They have offered franchise opportunities since 1998. The company provides non-medical professional care services to adult clients, with caregivers working in their clients’ homes. As well as the US, Visiting Angels operate in Canada, Mexico, South Korea and the UK. They currently support over 15,000 clients and employ almost 16,000 caregivers worldwide. Visiting Angels at a glance:US stores: Approximately 600Required Investor net worth: $110,000Required investor liquid cash: $110,000Min. investment: $125,000Max. investment: $171,000Standard franchise term: 10 years Can I start a Visiting Angels franchise? Starting a Visiting Angels franchise must be one of the easier business opportunities to get into. You’ll need a minimum net worth and liquid cash requirements of $110k each and you must rent or purchase a commercial location as your administration hub. But after that, there are few hurdles left to climb. Visiting Angels do not ask that franchisees have previous experience in the care industry, and you do not need a medical license to operate a care company (although that obviously would be an advantage). Franchise owners are also not required to participate in the daily running of the office. You can hire...
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### Tropical Smoothie Café
> Tropical Smoothie Café is the second largest smoothie chain in the US and they claim to think big, priding themselves on innovations. Learn more about it here.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/tropical-smoothie-cafe/
Tropical Smoothie Café franchise Hassle-free business loans to start your Tropical Smoothie Café franchise. Get started Tropical Smoothie Café is the second largest smoothie chain in the US and they claim to think big, priding themselves on innovations that give franchise owners more bang for the buck with everything they sell. Tropical Smoothie Café business details What began as a single juice bar on the beach in Destin, Florida has now become a national brand with more than 1400 locations across the country. Tropical Smoothie Café sells premium smoothies as well as sandwiches, flatbreads, wraps, and salads. They are headquartered in Atlanta, Georgie and have offered franchise opportunities since 1998. Tropical Smoothie Café at a glance:US stores: Approximately 1400Required Investor net worth: $350,000Required investor liquid cash: $125,000Min. investment: $300,000Max. investment: $720,000Standard franchise term: 15 years Can I start a Tropical Smoothie Café franchise? You can if you have a minimum net worth of $350k and at least $125k in liquid cash. Tropical Smoothie Café say their ideal franchisee should understand their culture and business model and have previous experience in running a business (not necessarily in hospitality). They also say that franchise owners are not required to participate in the daily operations of the store. You can hire a manager to do that work for you. This means this opportunity may be suitable for passive investment. How much does a Tropical Smoothie Café franchise cost? Set-up costs for a Tropical Smoothie Café store start at a more affordable $300,000 but...
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### Smoothie King
> Smoothie King is the healthy juice bar chain that grew big by selling iced fruit drinks full of vitamins and supplements. Learn more with Swoop.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/smoothie-king/
Smoothie King franchise Hassle-free business loans to start your Smoothie King franchise. Get started Smoothie King is the healthy juice bar chain that grew big by selling iced fruit drinks full of vitamins and supplements. They operate more than 740 franchised locations across the US and over 1,350 stores worldwide. Smoothie King business details Founded in 1973 and headquartered in Coppell, Texas, Smoothie King sells handcrafted smoothies made with fresh fruit and organic vegetables; plus nutritional supplements blended to order using proprietary recipes. Stores also offer vitamins, herbs, minerals, and a myriad of supplements and snack items. Smoothie King claims to be the world’s largest smoothie retailer. They have offered franchise opportunities since 1988. Smoothie King at a glance:US stores: Approximately 740 Required Investor net worth: $350,000Required investor liquid cash: $150,000Min. FICO credit score: 700Min. investment: $300,000Max. investment: $1,267,000Standard franchise term: 10 years Can I start a Smoothie King franchise? You’ll need a minimum net worth of $350k, liquid cash of $150k and a very good credit score to qualify for a Smoothie King franchise. If you can get past these obstacles, you could then spend $1. 2 million or more to get your business off the ground – a cost that may have you reaching for the vitamins and supplements instead of selling them. Note that the company prefers franchisees with proven experience in retailing and/or hospitality and if you have a background in the health and fitness industry that would also help. The good news is that franchisees...
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### Pizza Hut
> Pizza Hut is a major player in the globe’s growing pizza industry it operates in more than 100 countries. Learn more about its franchise options with Swoop.
- Published: 2024-06-17
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/pizza-hut/
Pizza Hut franchise Hassle-free business loans to start your Pizza Hut franchise. Get started Second only to Domino’s, Pizza Hut is a major player in the globe’s growing pizza industry. The company operates in more than 100 countries and had total US sales of $5. 2 billion in 2022. Pizza Hut business details Pizza Hut began life as a single restaurant in Wichita, Kansas in 1958. More than 65 years later, the company has corporate headquarters in Plano Texas, over 6,700 stores in the US and more than 19,000 outlets worldwide. Pizza Hut have offered franchise opportunities since 1959 and are a wholly owned subsidiary of global conglomerate, Yum Brands. Pizza Hut at a glance:US stores: Approximately 6700 Required Investor net worth: $700,000Required investor liquid cash: $350,000Min. investment: $412,000Max. investment: $2,053,000Standard franchise term: 10 years Can I start a Pizza Hut franchise? Like all the major fast-food brands, getting into a Pizza Hut franchise can be expensive. You’ll also need a minimum net worth of $700k and liquid cash of $350k or more. As well as the steep financial requirements, the company prefers franchisees who have solid experience in the hospitality industry and, ideally, have previously worked in a managerial or supervisory capacity in a Pizza Hut store. They also like their franchisees to take an active role in the daily running of the restaurant. This franchise may not be suitable for passive investment. How much does a Pizza Hut franchise cost? Pizza Hut set-up costs vary from a modest...
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### Grants for starting a lawn care business
> While there aren’t a ton of niche grants, they can be applied to a variety of industries, including landscaping. Learn more about landscaping grants with Swoop.
- Published: 2024-06-17
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/grants-for-starting-a-lawn-care-business/
Grants for starting a lawn care business Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2025. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. × Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Linkedin Add a header to begin generating the table of contents How to get grants for your landscaping business? If you were wondering about grants specifically for starting a landscaping business, this is for you. While there aren’t a ton of niche grants like this, grants can be applied to a wide variety of industries, including landscaping. Grants are perfect for providing the financial support needed to expand, innovate, or overcome challenges. Unlike loans, grants do not need to be repaid, making them an attractive option for funding. But with free money, there also comes stiff competition to be awarded. Here’s how you can secure grants to take your landscaping business to the next level. Research available grants Grants aren't hard to find, but it's definitely a process. Start by identifying grants available for landscaping businesses. These can be local, state, or federal...
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### Grants for trucking business
> Trucking grants are funds provided by government agencies, corporations, and non-profit organizations to support new and existing trucking businesses.
- Published: 2024-06-17
- Modified: 2024-09-04
- URL: https://swoopfunding.com/us/business-grants/grants-for-trucking-business/
Grants for trucking business Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on September 4, 2024. Next review due October 1, 2025. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. × Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Linkedin The trucking industry plays a huge part in keeping the economy in balance. It’s one of the main industries responsible for transporting goods across the nation. That being said, starting a trucking business can be a lucrative venture, but it requires significant capital investment. One way to secure funding without incurring debt is through grants. We at the Swoop team have done some digging and will walk you through the various grants available for starting a trucking business, other financial resources, and the benefits and drawbacks of these grants. Looking for a grant for your business? Contact us to learn more about all of the funding options at your disposal. Add a header to begin generating the table of contents What are trucking grants? Trucking grants are funds provided by government agencies, corporations, and non-profit organizations to support new and existing trucking businesses. Unlike loans,...
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### Jan-Pro
> Jan-Pro are a franchised cleaning and janitorial services organization, and the leader in a US market worth $96 billion per year. Read more or apply for funding
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/jan-pro/
Jan-Pro franchise Hassle-free business loans to start your Jan-Pro franchise. Get started Jan-Pro are a franchised cleaning and janitorial services organization. They claim to be North America’s #1 commercial cleaning business and the leader in a US market worth $96 billion per year. Jan-Pro business details Jan-Pro was founded in 1991 and they have offered franchise opportunities since 1992. They are headquartered in Alpharetta, Georgia. The company primarily provides cleaning and disinfecting services to institutional, industrial and other commercial customers. Jan-Pro has more than 8,000 franchised operators in the US and +2,000 more in overseas markets that include Canada, Brazil, Mexico and Australia. Jan-Pro at a glance:US stores: Approximately 8000Required Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: $4,900Max. investment: $78,100Standard franchise term: 10 years Can I start a Jan-Pro franchise? With a minimum investment of less than $5k, no liquid cash or net worth requirements and no need for previous commercial experience, a Jan-Pro franchise must be one of the easiest businesses to get up and running. Many Jan-Pro franchisees operate as small, family or even single-person operations, (although you can buy a Regional Developer/Master Franchisee and have many single-unit operators under your wing and paying you each month). Jan-Pro says you can run this business and still keep your day job, so it could work well as a semi-passive investment or as a side hustle to bring in extra income. How much does a Jan-Pro franchise cost? Certainly one of the more affordable business opportunities,...
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### Fastsigns
> Fastsigns produce custom signs and marketing materials for businesses in the US and seven other countries. Read more about them or apply for financing here.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/fastsigns/
Fastsigns franchise Hassle-free business loans to start your Fastsigns franchise. Get started Fastsigns produce custom signs and marketing materials for businesses in the US and seven other countries. They claim to be the largest signage business in the US and the leaders in a market worth $29 billion per year. Fastsigns business details Fastsigns were launched in 1985 and they have offered franchise opportunities since 1986. They are headquartered in Carrollton, Texas. The company designs, produces, installs and maintains all types of sign as well as producing other graphic and marketing materials and further complementary products. The organization has +650 stores in the US and a total of 745 outlets across the globe, including Canada, the UK, Chile, Grand Cayman, Puerto Rico and more. Fastsigns at a glance:US stores: Approximately 650Required Investor net worth: $330,000Required investor liquid cash: $80,000Min. investment: $240,000Max. investment: $310,000Standard franchise term: 10 years Can I start a Fastsigns franchise? With reasonable liquid cash and net worth requirements and affordable set-up costs, starting a Fastsigns franchise may be possible for many entrepreneurs. Fastsigns do not require previous experience in the signage industry, although having owned or managed a business before would clearly be an advantage. The company mandates that either the franchisee or their designated manager is on site to oversee the daily running of the store and to liaise with business customers. After the initial set-up period, you could operate this franchise as a passive investment. How much does a Fastsigns franchise cost? Set-up costs for...
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### Domino's
> In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. Read more about them or apply for financing here.
- Published: 2024-06-13
- Modified: 2025-03-21
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/dominos/
Domino's franchise Hassle-free business loans to start your Domino's franchise. Get started In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. In both sales and store numbers they are #1 in the US, well ahead of rivals Pizza Hut, Papa John’s and Little Caesars. Domino's business details Domino’s began life in 1960 in Ypsilanti, Michigan as a single pizza restaurant. Today, the company is headquartered in Ann Arbor, Michigan, has more than 6700 locations in the US and operates in over 90 other countries. With more than 20,000 outlets globally, Domino’s are by far the largest pizza company in the world. They have offered franchise opportunities since 1967. Domino's at a glance:US stores: Approximately 6700Required Investor net worth: $250,000Required investor liquid cash: $75,000Min. investment: $107,000Max. investment: $743,000Standard franchise term: 10 years Can I start a Domino's franchise? You can get into a Domino’s pizza franchise for relatively low dollars and the minimum $75k liquid cash and $250k net worth requirements should not be an issue for many investors. However, you face a major roadblock if you have never worked for this company. Domino’s currently only offer new franchise licenses to entrepreneurs who have a minimum of one years’ experience working at a Domino’s store in a general manager or supervisor capacity. In other words, you need to be in this club to join this club, making it very difficult for outsiders to gain entry. Domino’s also expect franchisees to play a major role...
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### Comfort Keepers
> Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate, Sodexo. Read more about them here.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/comfort-keepers/
Comfort Keepers franchise Hassle-free business loans to start your Comfort Keepers franchise. Get started Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate, Sodexo. The company specializes in the delivery of care services to clients and patients in the comfort of their own home. Comfort Keepers have more than 700 offices worldwide and operate in 10 countries including the UK, Canada, Australia, Norway and Singapore. Comfort Keepers business details Launched in 1998 and headquartered in Irvine, California, Comfort Keepers have offered franchise opportunities since 1999. The organization delivers in-home care for the elderly and other adults who need assistance in daily living, including homemaker/companionship care, personal care, and with personal technology services and equipment. Some Comfort Keepers franchises also provide trained nurses to deliver more attentive services, including respite care, senior health and wellbeing care and other private nursing duties. Comfort Keepers at a glance:US stores: Approximately 650Required Investor net worth: $300,000Required investor liquid cash: $100,000Min. investment: $105,000Max. investment: $176,000Standard franchise term: 10 years Can I start a Comfort Keepers franchise? You can start a Comfort Keepers franchise for fairly low dollars and the liquid cash and net worth requirements should be well within the reach of many entrepreneurs at $100k and $300k, respectively. Comfort Keepers do not mandate that new franchise owners have previous care-provider experience or possess any medical credentials, although either of these attributes would be an added advantage. Franchisees must employ a minimum of two staff (including...
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### CertaPro
> CertaPro Painters are an international painting and decorating business, providing building improvement services to residential & commercial customers.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/certapro/
CertaPro Painters franchise Hassle-free business loans to start your CertaPro franchise. Get started CertaPro Painters are an international painting and decorating business. Via their network of franchised contractors they provide building improvement services to residential and commercial customers. The company claims a 2% share of a US and Canadian painting market that’s worth $60 billion per year. CertaPro Painters business details Founded in Canada in 1992 and with US headquarters in Audubon, Pennsylvania, CertaPro have offered franchise opportunities since inception. With a core focus on providing painting services to residential and commercial customers, CertaPro also provide other home and business improvement services – including drywall repairs, brick painting, concrete staining, light carpentry and stucco repairs. The company claims to be the largest residential and commercial painting company in North America, with more than 450 franchise locations across the US and Canada. CertaPro Painters at a glance:US stores: Approximately 450Required Investor net worth: $250,000Required investor liquid cash: $85,000Min. investment: $155,000Max. investment: $302,000Standard franchise term: 10 years Can I start a CertaPro Painters franchise? You’ll need $85k in liquid cash and a net worth of a quarter of a million dollars. You’ll also face a hefty franchise fee and marketing and other admin costs. Other than that, CertaPro say you do not need previous experience in the painting and decorating industry, although a history of running your own business would be helpful. CertaPro expect franchisees to operate their business using self-employed contract labor. You can also appoint a designated manager to oversee...
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### Cinnabon
> Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls and more. Learn more about it with Swoop, or apply for funding.
- Published: 2024-06-13
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/cinnabon/
Cinnabon franchise Hassle-free business loans to start your Cinnabon franchise. Get started Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls, plus a range of other cakes and pastries and beverages. Cinnabon business details Launched in Seattle, Washington in 1985, Cinnabon are now headquartered in Atlanta, Georgia. They have offered franchise opportunities since 1986. Cinnabon claims to be the world’s largest seller of cinnamon flavored pastries. They rank #49 in the list of world’s biggest fast food retailers, behind other global bakeries such as Greggs and Auntie Anne’s. At the end of 2023 the company had 974 outlets across the US. They operate in 57 countries worldwide. Cinnabon at a glance:US stores: Approximately 975Required Investor net worth: $300,000Required investor liquid cash: $120,000Min. investment: $255,000 (full bakery)Max. investment: $657,000 (full bakery)Standard franchise term: 20 years Can I start a Cinnabon franchise? You’ll need a minimum net worth of $300k, liquid cash of $120k and be prepared to spend close to $700k to get a full Cinnabon bakery off the ground. (Although you may start a simpler Express Cinnabon location for as little as $60,000). The company prefers franchisees who have previous experience in running a business or hospitality and they say they’re seeking franchise-owners who are ‘people orientated’, (which means you genuinely care about your customers and your team). Although franchisees are not required to manage the daily operations of their store, Cinnabon does not recommend this opportunity for candidates seeking a remote investment. How much does a...
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### Currency converter
> Our currency converter is here to help you stay on top of exchange rates, whether you're on vacation, making an online purchase, or conducting global business.
- Published: 2024-06-12
- Modified: 2025-04-24
- URL: https://swoopfunding.com/us/business-loan-calculator/currency-converter/
Currency converter Our free currency converter is here to help you stay on top of exchange rates, whether you're planning a vacation, making an online purchase, or conducting global business. Page written by AI. Reviewed internally on June 20, 2024. × Origin currency Destination currency Amount to convert $ . 00 This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Converted amount $ 0 Get a quote What is a currency converter? A currency converter is a tool that allows you to quickly and easily convert one currency into another. It uses the current exchange rates to calculate the equivalent amount of money in different currencies. Currency converters are commonly used by travellers, businesses, and anyone needing to understand the value of money across different countries and provide a convenient way to stay updated on currency values and make informed financial decisions. Why use a currency converter? Using a currency converter is helpful for several reasons:Travel planning: It assists you in understanding how much your money is worth in another country, allowing you to budget more effectively. Business transactions: It makes international business easier by allowing companies to convert currencies accurately when dealing with cross-border transactions. Online shopping: It assists you in comparing prices and determining the cost of goods in your local currency when shopping from international websites. Investment decisions: It helps investors and financial analysts assess the value of foreign investments by...
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### Transworld Business Advisors
> Transworld Business Advisors are a franchised consulting organization. They help small business owners to grow, buy or sell their businesses. Learn more here.
- Published: 2024-05-30
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/transworld-business-advisors/
Transworld Business Advisors franchise Hassle-free business loans to start your Transworld Business Advisors franchise. Get started Transworld Business Advisors are a franchised consulting organization. They help small business owners to grow, buy or sell their businesses. Transworld claims to have sold more than 10,000 businesses since 1979 and have over 500 brokers and more than 200 offices worldwide. Transworld Business Advisors business details Launched in 1979 and headquartered in West Palm Beach, Florida, Transworld Business Advisors have offered franchise opportunities since 2010. The company specializes in the brokerage of small and medium sized businesses, acting as advisors to help business owners get the most from the businesses they own. They are largest organization of this type in the US, and they claim to be the #1 franchise in the sector according to Entrepreneur magazine. Transworld Business Advisors at a glance:Worldwide stores: Approximately 500Required Investor net worth: not statedRequired investor liquid cash: $100,000Min. investment: $97,000Max. investment: $122,000Standard franchise term: 35 years Can I start a Transworld Business Advisors franchise? With only $100,000 in cash and no minimum net worth required, plus a highly affordable cost of entry, getting into a Transworld agency is not difficult. However, there is one consideration that may be a barrier for some potential franchisees; although Transworld state that previous business broker experience is not essential, some states require that business brokers have a real estate license. This means specialized training may be necessary depending on your location. Transworld also expects their franchisees to have direct involvement...
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### Signal
> Signal is a franchised private security company offering a range of security options to residential and business customers. Learn more about it with Swoop.
- Published: 2024-05-30
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/signal/
Signal franchise Hassle-free business loans to start your Signal franchise. Get started Signal is a franchised private security company offering a range of security options to residential and business customers. Signal claims to be Entrepreneur magazine’s #1 security franchise with 26% growth year on year and network gross revenues of $267 million in 2023. Signal business details Headquartered in Omaha, Nebraska, Signal, (previously known as Signal 88 Security), was founded in 2003. The company has offered franchise opportunities since 2008. Signal competes with other home and business security companies such as ADT, Securitas, and American Security, providing security patrols and surveillance, security consulting, executive protection, and training in personal safety, risk avoidance, and threat management for residential and commercial customers. The business has more than 600 US offices as well as operations in Canada and other countries. At the end of 2023, the business had more than 1,000 offices and +4,600 customers spread across the globe. Signal at a glance:US stores: Approximately 650Required Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: $57,000Max. investment: $273,000Standard franchise term: 3 years Can I start a Signal franchise? Starting a Signal security franchise is affordable, with investments that start as low as $57k. Additionally, the company does not mandate a minimum net worth or liquid cash requirement. However, be aware that franchise fees for this opportunity can be steep depending on the size of your franchise territory. Average start-up fees paid to Signal are $70,000 and you will then need to...
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### Popeyes franchise
> Popeyes Louisiana Kitchen, more simply known as Popeyes, operates quick-service restaurants that offer a ‘Louisiana- style’ menu. Learn more about it here.
- Published: 2024-05-29
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/popeyes/
Popeyes franchise Hassle-free business loans to start your Popeyes franchise. Get started Popeyes Louisiana Kitchen, more simply known as Popeyes, operates quick-service restaurants that offer a ‘Louisiana- style’ menu featuring spicy chicken, biscuits, fried shrimp and other quick-service menu items. They rank at #16 in the list of all US fast food brands, behind other chicken restaurants such as Chick-Fil-A and KFC. Popeyes business details Popeyes was launched in 1972 and have been offering franchise opportunities since 1976. Their corporate headquarters are in Miami, Florida. A major name in the chicken restaurant industry, they have over 3,000 US locations and also operate in the UK, France, Czech Republic, Poland, Romania, Spain and Switzerland. Total outlets are more than 4,000. The brand had US gross revenues of $5 billion in 2022. Popeyes at a glance:US stores: Approximately 3000Required Investor net worth: $1,000,000Required investor liquid cash: $500,000Min. investment: $470,000Max. investment: $3,875,000Standard franchise term: 20 years Can I start a Popeyes franchise? You’ll need at least half a million dollars in liquid cash and a net worth of at least double that. You’ll also need access to some serious financing to cover start-up costs that can approach $4 million. Apart from that, you’ll also need previous experience at running multi-unit restaurants, permanent residence in the area where your restaurants are located and ‘consistent involvement in local community initiatives’. Lastly, as you may expect after all this, you’ll be expected to take a hands-on, active role in running the business. This is serious franchising....
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### Marco's Pizza
> Marco’s Pizza claims to be one of the fastest growing pizza brands in the US, selling a ‘different pizza experience’. Learn more about its franchise here.
- Published: 2024-05-29
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/marcos-pizza/
Marco's Pizza franchise Hassle-free business loans to start your Marco's Pizza franchise. Get started Marco’s Pizza claims to be one of the fastest growing pizza brands in the US, selling a ‘different pizza experience’ that includes dough made from scratch and three fresh signature cheeses. The chain is engaged in a rapid expansion drive and currently ranks #5 in the US, behind Domino’s, Pizza Hut, Papa John’s and Little Caesar’s. Marco's Pizza business details Marco’s Pizza is headquartered in Toledo, Ohio. The business was founded in 1978 and has offered franchise opportunities since 1979. The company’s franchised stores sell pizza and related food and drinks products for consumer delivery, pick-up and catering, and in some cases, via eat-in dining rooms. The company has grown from its roots as a core Ohio brand to operate over 1,200 stores in 34 states with locations in Puerto Rico and the Bahamas. Most recently, Marco's Pizza placed at #51 on Entrepreneur Magazine's 2023 ‘Franchise 500’ ranking. Marco’s Pizza at a glance:US stores: Approximately 1200Required Investor net worth: Up to $1,200,000Required investor liquid cash: Up to $600,000Min. investment: $286,000Max. investment: $806,000Standard franchise term: 10 years Can I start a Marco's Pizza franchise? You’ll need plenty of liquid cash (up to $600k) and a net worth that can be as high as $1. 2 million, but otherwise, as long as you have some previous business experience there are few barriers to entry. Marco’s say they’re looking for franchisees with a people-first and hospitality-always mentality who are...
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### Kumon franchise
> Kumon is the world’s largest provider of supplementary education, they enhance the teaching children receive in regular school. Learn more about it here.
- Published: 2024-05-29
- Modified: 2024-10-07
- URL: https://swoopfunding.com/us/business-loans/franchise-finance/kumon-franchise/
Kumon franchise Hassle-free business loans to start your Kumon franchise. Get started Kumon is the world’s largest provider of supplementary education. Their learning centers enhance the teaching children receive in regular school by using a proprietary ‘just right’ learning method that was created by the company’s founder in 1954. Kumon business details Launched in 1958 and headquartered in Ridgefield Park, New Jersey, Kumon has offered franchise opportunities since inception. (Kumon US is a subsidiary of Japanese learning giant Kumon Institute of Education). Via their franchised learning centers, the business provides after-school math and reading tutoring to children aged two years up to pre-university. Kumon operates in 62 countries and has more than 27,000 learning centers across the globe. Kumon at a glance:US stores: Approximately 1540Required Investor net worth: $150,000Required investor liquid cash: $70,000Min. investment: $67,200Max. investment: $145,600Standard franchise term: 5 years Can I start a Kumon franchise? Kumon franchises have to be one of the most affordable opportunities available. Liquid cash requirements are only $70k and minimum net worth is $150k. Set-up costs are equally modest. Heck, even the initial franchise fee is low-cost. But apart from the money, what else do you need? Kumon does not demand that franchise owners have educational experience or qualifications, (although you must have at least a bachelor’s degree). Instead, the company wants franchisees that have a passion for working with children and believe in Kumon’s mission of helping kids become independent, self-assured and confident. They also say that many of their franchisees have...
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