Business financing insights, capital raising tips, and operational guidance from the NTIB team.
No interest and no lender points until the home is built and sold — rates starting under 8%, up to $4M per home, loan-to-cost up to 100% for qualified builders, in 47 states + D.C.
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When it is time to bring in outside capital, you have two paths: sell equity or take on debt. Here is how each affects your ownership, cash flow, and control — and how to choose.
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A big order shouldn't be a cash flow problem. How PO financing lets you pay suppliers, keep your reputation intact, and go after larger clients without adding debt.
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They both turn unpaid invoices into cash — but who collects from your customer, who eats a bad invoice, and what it costs differ completely.
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A profitable insurance agency with nothing to pledge got a $350K SBA approval on business strength alone — what that deal teaches about how SBA lenders actually decide.
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Most business owners think a bank rejection is the end of the road. It's not — here are 5 alternatives worth knowing about.
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Bad credit makes equipment financing harder, not impossible. Practical strategies to get the funding your business needs.
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A working capital loan covers day-to-day costs and frees you to seize opportunities, grow your team, and scale.
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When an order is too big to fund, purchase order financing covers your suppliers so you can fulfill it — without a traditional loan.
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Waiting weeks or months to get paid strains cash flow. A/R financing turns unpaid invoices into working capital within days.
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Your equipment, inventory, and receivables can secure fast growth capital — how ABL loans and borrowing-base credit lines work.
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Faster approvals, no collateral, and pay-for-what-you-use terms — the safety net to set up before you need it.
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Banks, SBA-backed loans, or hard money? How commercial real estate lending really works and how to pick the right path.
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Often the cheapest capital a small business can get — when SBA is the right move, and how to fund in weeks, not months.
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A practical guide to equity vs. debt financing — and how NTIB helps NYC businesses secure up to $500,000 in working capital, funded in under three weeks.
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Before you apply anywhere, pull your own credit file. It is how you catch errors early, keep your inquiry count down, and get matched to the right lender the first time.
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Tax planning, bookkeeping, tighter operations and honest financial analysis. Where a good advisor actually moves the needle on your margins.
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Hiring the wrong consultant costs more than money. Five questions to ask before you sign, and what a good answer to each one sounds like.
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Not all consulting firms are equal. How to define what you need, read a pitch properly, and judge a plan before you hire.
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Budgeting, taxes, market shifts, succession, and the time you do not have. Where a business financial advisor earns their keep.
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Preparation before the application, a full range of products rather than one, and a relationship that continues after the deal closes.
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