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News, views and resources from a leading secured business loan lender

Trends, business financing articles, resources and more

Most of our asset-based loans and invoice/AR financing clients are from the small business community, a dynamic and ever-evolving community. So, to help our clients stay ahead of the game, we bring together everything from best-practice advice for small business management to market trends and perspectives on new opportunities from experts.

Finance And Accounting

SECURITIES BASED LENDING: STOCK LOANS

Securities based lending (SBL) is a type of lending that allows investors to borrow money against their publicly traded securities, such as stocks, bonds, and mutual funds...

April 18, 2023

Small Business Tips

Overcoming Banking Crisis: Small Business Equipment Financing Guide 2023

Is your small business in need of equipment financing to weather the current banking crisis? As a small business owner, understanding the landscape of the equipment finance market is vital, particularly during uncertain times. This article will provide...

April 5, 2023

Finance And Accounting

Invoice Financing vs Factoring: Decoding Key Differences for Small Businesses

The essential difference between factoring and accounts receivable (AR) financing lies in the handling of invoices. Factoring involves purchasing your invoices at a discounted rate, while AR financing or asset-based lending uses the invoices as collateral for...

May 9, 2022

Finance And Accounting

Unraveling Invoice Factoring: A Smart Choice for Small Business Financing?

Are invoice factoring and account receivable financing the same thing? While the two terms often appear interchangeably, they represent different methods of harnessing the power of your invoices or accounts receivables for quick access to working capital...

May 6, 2022

Finance And Accounting

Mastering Equipment Financing: How to Efficiently Apply for SMB Loans

Applying for business equipment financing or a small business loan, whether it's through direct purchase (EFA) or equipment leasing, you want to ensure a seamless, efficient, and stress-free application process. The following pointers can help you...

May 21, 2021

Loans And Funding

Credit Ratings and Application Documents (no-doc to full-docs) Requirements

Credit ratings (A, B, C, D) give a quick letter grade to an individual’s credit history. This allows financial institutions to determine how likely an individual will pay money back if given a loan, as well as employers to verify how responsible...

May 7, 2021

Finance And Accounting

FMV Lease vs. $1 Buyout Lease: Optimize Equipment Financing for Your Business

If you're planning to bolster your business productivity by adding new equipment, equipment financing provides an economical alternative to direct purchase. Leasing allows you to modernize, upgrade, or acquire essential equipment without draining...

April 27, 2021

Finance And Accounting

Why Small Businesses Opt for Invoice Financing Opportunities

Small businesses are greatly affected by their clients' payment speed. When clients are slow-paying, these businesses might struggle to cover their bills due to reduced working capital or miss out on growth opportunities. Invoice financing, also known as...

October 8, 2020

Small Business Tips

How Invoice Factoring Can Save Your Business in Tough Times

To run efficiently, businesses need a steady cash flow. However, sometimes cash flow becomes constricted due to unpaid invoices. In such cases, asset-based lending or invoice factoring can be a lifeline for your business, ensuring you keep your doors...

September 9, 2020

Finance And Accounting

Everything you need to know about asset-based loans: Tips for securing...

An asset-based loan is a certain kind of business financing that is secured by the company assets. Many of the asset-based loans work as the revolving lines of credits. This permits a company to lend from assets continuously for covering the investments...

August 10, 2020

Small Business Tips

Key Aspects to Consider When Selecting an Invoice Financing Company

Choosing an invoice financing company can provide your business with much-needed liquidity while awaiting invoice payments. Invoice financing, also referred to as accounts receivable (AR) financing or factoring, can keep your business running smoothly...

July 17, 2020

Small Business Tips

Maintain Robust Cash Flow: Here are 4 Handy tips to do so!

As a business owner having a positive cash flow is advantageous and necessary for your operations. Yes, by doing so, you can make payments, venture into new investments, and develop your business. The experts opine that business owners...

June 22, 2020

Finance And Accounting

Accelerated Invoice Financing: Your Ally for Business Expansion

Managing cash flow is a persistent hurdle for businesses, and acquiring external funds typically addresses two major needs: business expansion and cash flow resolution. Imagine receiving a large order from a customer, which requires significant cash...

June 10, 2020

Finance And Accounting

The Benefits of Leveraging Equipment Financing for Your Construction Needs

Operating a small business within the construction industry requires considerable investment, particularly in heavy machinery. Given the substantial costs of such equipment, small business owners often grapple with budgetary constraints...

March 4, 2020

American Credit Updates

Revolution in SMB Financing: Dr. Lei Li's American Credit® Simplifies Loans

American Credit®, a pioneering fintech business loans provider, specializes in two main products: equipment financing and invoice factoring (accounts receivable financing). The application process is quick and straightforward, with options to apply either...

November 4, 2019

American Credit Equipment Financing Customer Vioce

American Credit Equipment Financing Customer Vioce Quote

Banks don’t understand how fleeting opportunities are. With a loan right now, we could upgrade our equipment and easily handle all the new business.

Drew Arcelay
President, South Field Construction Company

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