29 09-2016

Small Businesses are Scrambling to Find Working Capital, According to New Q3 2016 PCA Results

By |2017-09-14T11:21:05-07:00September 29th, 2016|

Once a quarter, Pepperdine University's Graziadio School of Business and Management and Dun & Bradstreet poll small and medium-sized businesses across the nation to learn more about those companies growth and access to capital. Despite steady increases in access to credit since 2012, when the study began, and an increase in demand for credit compared to the [...]

23 07-2014

Blog Worthy Potato Salad

By |2017-09-14T11:21:14-07:00July 23rd, 2014|

Zach “Danger” Brown struck the internet lottery on Kickstarter by raising over $50,000 to make a potato salad. But how much of that money is really his?

17 06-2014

San Diego Gets Access to Capital

By |2017-09-14T11:21:14-07:00June 17th, 2014|

Our team at Dun & Bradstreet Credibility Corp. was thrilled with the outcome of our sixth Access to Capital event that we hosted in San Diego. Local business owners started lining up for check-in at 7:30 am, eager to meet each other at our pre-function networking breakfast. As attendees chatted about their unique business plans, [...]

16 06-2014

CoolHaus TribeTalk

By |2017-09-14T11:21:14-07:00June 16th, 2014|

CoolHaus co-founders Natasha Case and Freya Estreller are two of our favorite entrepreneurs. In 2008, the pair began baking cookies and creating ice creams together in their homes. Now, CoolHaus sells its gourmet, all natural, "architecturally inspired" ice cream in food trucks across the country, storefronts in Los Angeles and Pasadena, and through vendors in [...]

16 05-2014

Need Quick Cash? What It Actually Costs

By |2017-09-14T11:21:14-07:00May 16th, 2014|

It can be hard to anticipate events that require a significant influx of cash into your business. Perhaps you landed a new contract that requires production ramped up quickly, or you run a seasonal business and, while you've jobs lined up, there's not quite enough cash from last year. Whatever the case may be, the underwriting process for a bank loan may be too lengthy, causing business owners to turn to alternative lenders, i.e. lenders that, in most cases, are not attached to banks.

6 05-2014

SBA Improves Small Business Access to Loan Programs and Enhances Job Creation

By |2017-09-14T11:21:14-07:00May 6th, 2014|

Excellent news for small business owners seeking government-backed loans: the eligibility requirements for Small Business Administration loan programs have expanded and are allowing more businesses to enroll.  If your business didn't qualify before, it may now. Digital Journal reported that the SBA's two main loan programs-- 7(a) and 504-- would start seeing eligibility changes soon, and [...]

22 08-2013

Your Money or Your Life!

By |2017-09-14T11:21:20-07:00August 22nd, 2013|

For those of you old enough to remember the great comedian Jack Benny, you may recall his long, drawn out pauses when being prompted with questions from bandits that often times concluded with a “Well…?!” from the bandit. Benny, a legendary cheapskate, quickly replies, “I’m thinking! I’m thinking!”  As business owners in search of capital, [...]

2 07-2013

How Small Business Credit Has Changed Since The Great Recession

By |2017-09-14T11:21:21-07:00July 2nd, 2013|

With strict qualifications for traditional loans, many small business find their loan applications denied. SBA lending is a great alternative to traditional commercial loans-- SBA loans have longer amortization periods and can offer higher loan amounts. The SBA finances small business comprable to banks but with more reasonable application standards for emerging businesses. Read more about SBA lending in this Q&A with First State Bank Senior Vice President and Loan Officer, Steve Valiquette:  

The Small Business Administration's (SBA) lending program is a major part of U.S. business growth, and these loans can often be substituted for traditional commercial loans with some benefits to the borrower.

31 01-2013

Why Are You Getting Rejected For Business Loans?

By |2017-09-14T11:21:24-07:00January 31st, 2013|

Receiving a rejection letter for a business loan you were counting on can be discouraging. Data from the Small Business Administration (SBA) reveals that nearly 50% of small business loan applications are rejected for a variety of reasons. Understanding the most common reasons banks decline loan applications can be useful for your own business endeavors. [...]