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Why is it Important to Get a Business Bank Account

12/23/19Ricky BaizasSmall Business

There are plenty of ways to make your life easier as a business owner, but one of the first pieces of advice you're likely to get concerns opening up a business bank account.* Even though the success of your business endeavor is directly linked to your personal finances, it's always a good idea to try and keep the two separate. Here's why:

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Does Your Lender Require Collateral for Your Business Loan? Get Ready for a UCC Filing

12/23/19Ricky BaizasSmall Business

Your small business needs some additional funding. Borrowing money from traditional lenders, like banks, can get complicated and bogged down with extra hoops to jump through. One such hoop is known as a UCC Filing. How Does a UCC Filing Effect a Secured Loan? When a lender makes secured money available for a small business owner to borrow, the lender will file what's known as a UCC-1. UCC stands for Uniform Commercial Code. It’s most commonly used for secured small businesses loans.

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What Documentation is Typically Required for a Personal Loan?

12/23/19Ricky BaizasPersonal

From car repairs to utility bills, when unexpected costs show up, you need money fast. Applying for a personal loan at a bank could take too long. Time matters because your bills or payments might have already passed while you’re waiting to receive the funds. Another option is to apply for a loan with a lender that specializes in providing personal loans. However, not all personal loan lenders are the same, especially when it comes to their application processes and the documents they require.*

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How a Personal Loan Could Increase Your Credit Score

12/23/19Ricky BaizasPersonal

Whether you already have great credit or have the funds to pay off all your bills on time, your score might not be as high as it could be without one key element: installment loans. While you may not have considered using installment loans as a way to build your credit history, these loans could be very effective in optimizing your credit score.* Here is how a personal loan could improve your credit:

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