Stefan Bernarsky
The Current State of U.S. Small Business (Q1 ...

The landscape for small business owners in the United States continues to be dynamic and complex, characterized by a mixture of cautious optimism and significant apprehension.

While opportunities exist, particularly driven by technological advancements and evolving financing options, numerous challenges related to economic conditions, workforce dynamics, and regulatory uncertainty demand careful navigation.

In addition to grappling with intense inflationary pressures that drive up costs for goods, labor, and rent, owners must also navigate a highly competitive hiring market, adapt to rapidly evolving consumer demands for personalization and ethical practices, and defend against increasing cybersecurity threats.

Simultaneously, anxieties surrounding potential regulatory changes, global market volatility, and effective cash flow management remain top concerns, demanding heightened financial discipline.

The Current State of U.S. Small Business (Q1 2025)
Stefan Bernarsky
Take Full Control of Your Business Finances: A ...

As a small business owner, you're not just a manager; you're the heart, soul, and driving force behind your company.

You wear many hats, from sales and marketing to customer service and operations. But amidst the daily hustle and bustle, it's crucial not to lose sight of the financial backbone of your business.

Even the most dedicated and passionate entrepreneur can face significant challenges without a clear and well-defined financial roadmap.

This is precisely where the powerful tools of financial forecasting, modeling, budgeting, and variance analysis come into play.

These aren't just abstract financial concepts or jargon reserved for large corporations; they are indispensable, practical tools that can empower you, the small business owner, to make informed and strategic decisions, effectively navigate potential challenges, and, ultimately, achieve your business goals and realize your vision for success.

Take Full Control of Your Business Finances: A Guide to Financial Forecasting, Modeling and Budgeting for Small Business Owners
Stefan Bernarsky
DECLINED: Business Financing Rejection and How ...

As a small business owner, securing financing can feel like a crucial lifeline.

Whether you're looking to expand, manage cash flow, or invest in new equipment, a "no" from a lender can be disheartening.

But don't despair!

Rejection isn't the end of the road.

Instead, it's an opportunity to learn, strategize, and improve your financial standing.

Here's a breakdown of what to do when you're struggling to get approved for business financing:

DECLINED: Business Financing Rejection and How to Bounce Back From a "No"
Stefan Bernarsky
Is Your Business Truly Healthy? Unlocking the ...

Being a small business owner you're constantly juggling a multitude of tasks: attracting customers, managing employees, overseeing operations, and, crucially, keeping a close eye on your finances.

In the daily hustle, it's easy to get caught up in immediate concerns and lose sight of the overall financial health of your business.

This is where the Debt Service Coverage Ratio (DSCR) becomes an invaluable tool. While it might sound like complex financial jargon, the DSCR is, at its core, a straightforward way to assess whether your business is generating sufficient income to comfortably meet its debt obligations.

It's a key indicator that can help you steer your business toward stability and growth.

Is Your Business Truly Healthy? Unlocking the Power of the Debt Service Coverage Ratio (DSCR)
Stefan Bernarsky
Understanding Business Credit Score and How it ...

As a small business owner, securing funding is often crucial for growth and sustainability.

Whether you're seeking a loan, line of credit, or other financial products, lenders will assess your creditworthiness.

It's important to understand that business credit scores are distinct from personal credit scores.

Various business credit score models provide business lenders and suppliers with insights into a company’s financial reliability through historic and predictive analysis.

Here's a breakdown of the key business credit score reporting agencies FICO Small Business Scoring System (SBSS), Dun & Bradstreet Paydex, Experian, Equifax and Transunion…

Understanding Business Credit Score and How it Affects Business Financing - FICO Small Business Scoring System (SBSS), Dun & Bradstreet Paydex, Experian, Equifax, Transunion

#LowerMyMCAPayments

How much does your MCA Broker get paid for each advance (loan)?

How much does your MCA Broker get paid for each advance (loan)?

“…When your business financing broker is presented with an “Approval” from the Merchant Cash Advance (MCA) company, your broker chooses from a list or tier of “Offers” at each Merchant Cash Advance (MCA) company. This list of offer options contains variable commission rates and payback terms and cost to the borrower. (Ex.- $100,000 in “funding” at a 1.35x factor rate or $135,000 payback). Your “trusted, friendly broker” adds from 0.10x to 0.15x to the offer and presents it to you as: $100,000 in “funding” at a 1.50x factor rate of $150,000 payback…”

VIEW OUR POST: “Does Your Business Financing Broker Actually Help You and Your Business?” and download our full PDF report for FREE

BERNARSKY ADVISORS

Business Finance & Strategy Advisors
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