Blog
Discover our latest articles and blogs
U.S. Business Credit Scores: What PAYDEX, Intelliscore, and SBSS Reveal
Learn how U.S. small business credit scores work, what PAYDEX, Intelliscore, and SBSS signal, and how to check reports, build credit, and prepare for lenders.
Small Business Line of Credit Draw: See the True Cost of $10,000
Practical breakdown for small business owners of draw costs, hidden lender fees, borrowing base limits, and a sample $10,000 cost estimate.
5 CFO Checks to Pick Asset Based or Cash Flow Lending
Five CFO checks to decide between asset based and cash flow lending. Run quick underwriting diagnostics and compare lender offers through Formosity Funding.
Avoid Balloon Payment Risk: Bridge vs Hard Money Loans for U.S. Deals
Compare bridge and hard money loans for U.S. borrowers. Use the exit plan checklist to weigh balloon risk, timing, fees, and lender options.
48 Hour Playbook: Commercial Loan Term Sheet for Busy Borrowers
Concise explainer of a commercial loan term sheet with an annotated sample, a 48 hour negotiation playbook and a borrower checklist.
Earnout Financing: Draft to Avoid a 21% Payout for Buyers and Sellers
Learn how precise earnout drafting—defining metrics, audit rights, and payout floors—changes real outcomes and helps buyers and sellers protect deal value.
12–18 Months Ahead: Lender-Aware Balloon Payment Plan for Business Owners
Get a lender-aware checklist, regulator-backed risk signals (SBA/CFPB/OCC), and refinance options to prepare for a balloon payment. Start planning 12–18...
What Lenders Test in Interest Only Commercial Loans for CRE Investors
Regulator aware guidance for CRE investors: what lenders test on interest only loans, how to avoid payment shock, and practical steps to prepare to refinance.
SBA Equity Injection: Document the 10% Requirement and ETRAN Entries
Steps for U.S. borrowers to document the SBA 10% equity injection. Covers SOP 50 10 8 updates, where to record ETRAN fields, and a practical checklist to...