Capital for Business

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Capital for Business Since 2009 Capital for Business has been helping small businesses all across the country succeed

Paid off a loan but the UCC lien still shows on your business record?A loan payoff does not clear the public filing. The...
10/25/2026

Paid off a loan but the UCC lien still shows on your business record?

A loan payoff does not clear the public filing. The state's record only updates when a UCC-3 termination is filed. Start by getting a payoff letter, then send an authenticated demand that cites UCC §9-513 and give the lender 20 days to act.

If the lender misses that window you can file the termination yourself, and under UCC §9-625 the lender may face statutory damages. Need help drafting the demand or filing the UCC-3 in your state?

Want us to review your payoff paperwork or draft the demand letter for you?

You don't always have to choose between SBA 504 and 7(a).7(a) is the flexible workhorse for cash, acquisitions and mixed...
10/24/2026

You don't always have to choose between SBA 504 and 7(a).

7(a) is the flexible workhorse for cash, acquisitions and mixed uses. 504 is for long-lived owner-occupied real estate and heavy equipment. Since July 4, 2026 eligible borrowers can combine them up to $10 million.

Before you apply, confirm whether a 7(a) quote is fixed or variable, and remember 504 will not cover operating cash or general debt. Read the guide for the 50/40/10 504 split and the checklist to decide which route to start.

Want help choosing the right mix for your project? Visit CapitalforBusiness.net or comment your project below.

Can't wait months for an SBA loan? Alternatives can get you funded in days, but they cost more — and the details matter....
10/23/2026

Can't wait months for an SBA loan? Alternatives can get you funded in days, but they cost more — and the details matter.

This carousel compares speed, starting prices, and which product fits common needs: equipment, uneven cash flow, one-off projects, or immediate payroll and inventory gaps. Convert monthly or factor rates into total dollars before you sign.

We also highlight a recent SBA change to check before you apply: on March 9, 2026 the SBA restricted access for non-citizens. If that affects you, talk to a lender about other options.

Which timeline matters most for your business: days, weeks, or months? Tell us below or tap to read the full guide on our site.

Short-term? Use a card. Multi-month? Use a line.This guide compares cost, limits, approval and interest timing so you ca...
10/22/2026

Short-term? Use a card. Multi-month? Use a line.

This guide compares cost, limits, approval and interest timing so you can match each expense to the right product for your cash flow.

Example from the article: a $25,000 need carried three months on a card at 24% APR costs roughly $1,500 in interest before fees. A line of credit usually costs less when you carry a balance for months.

Which expense are you deciding about right now: payroll, inventory, or routine supplies? Tell us below and we’ll point you to the right option.

Buying an insurance agency? Buy the cash flow first.Most buyers treat the purchase like an asset transfer, but lenders t...
10/21/2026

Buying an insurance agency? Buy the cash flow first.

Most buyers treat the purchase like an asset transfer, but lenders treat it like future revenue. That shift changes what matters in negotiations: retention, carrier mix and a lender-ready integration plan.

Plan your valuation, decide how a seller note fits, and keep a separate working capital line so payroll and integration costs don't squeeze debt service. Read the full guide on Capital for Business to see a sample deal structure and how to apply.

Which part of an acquisition feels most uncertain to you right now?

POS financing isn't just hardware, it's the full commitment.Before you sign, add hardware, installation, subscription mo...
10/20/2026

POS financing isn't just hardware, it's the full commitment.

Before you sign, add hardware, installation, subscription months and card-processing fees into one total. That combined number is what you are really borrowing for.

Equipment financing usually fits when hardware is the biggest line item. Our published rates start at 0.8% per month, and qualifying deals can fund same day up to $250,000.

Read processor and lease contracts for cancellation rules and ownership, and talk to a tax pro about Section 179. Which part of your POS upgrade do you want help costing out?

Think you must own a building to get an SBA loan?Most common beliefs about SBA collateral are outdated or incomplete. Th...
10/19/2026

Think you must own a building to get an SBA loan?

Most common beliefs about SBA collateral are outdated or incomplete. The rules differ by program (7(a), 504, Microloans, disaster loans), and lenders apply SBA floors plus their own policies. Read the slides for quick myth vs reality checks.

Want the full breakdown and a checklist before you apply? Read the full guide at Capital for Business or ask your lender which SBA rulebook governs your file. Which part of collateral rules should we explain next?

A $25,000 draw can cost just $208 a month if you pay interest-only.Interest-only lines charge interest only on the amoun...
10/18/2026

A $25,000 draw can cost just $208 a month if you pay interest-only.

Interest-only lines charge interest only on the amount you actually draw, and lenders usually calculate that interest daily and bill it monthly. But fees, minimum principal payments, and changes in Prime can change the real monthly cost.

Read the carousel for the quick math, what to ask lenders, and which terms can cause your payment to jump when the draw period ends. Want us to run this same calculation for your business? Tell us your industry below or visit capitalforbusiness.net to compare offers.

SBA funding: 20 days or six months?Most SBA loans land in the 30 to 90 day range, but timelines hinge on loan type, dele...
10/17/2026

SBA funding: 20 days or six months?

Most SBA loans land in the 30 to 90 day range, but timelines hinge on loan type, delegated authority, and a complete document package. Small Express requests can close in about 20 days; 504 real estate deals can push toward six months.

Before you apply, ask the lender two questions: do you hold delegated authority, and can you give a written timeline for each phase? Order appraisals and third-party reports as soon as the lender confirms them.

Which SBA program are you considering, Express, 7(a), or 504? Tell us below and we’ll point you to the next step.

SBA Express can get you a loan number in about 36 hours, but funding usually takes longer.Express speeds the SBA step be...
10/16/2026

SBA Express can get you a loan number in about 36 hours, but funding usually takes longer.

Express speeds the SBA step because lenders make the credit decision under delegated authority, yet the 36-hour figure refers to the loan number only. Your lender still must finish underwriting and closing before disbursement.

Check for existing Express or related loans first: the $500,000 limit is an aggregate cap. Ask your lender for their checklist and submit Form 1919, tax returns, current P&L, and a short use-of-funds summary to avoid delays.

Want the checklist we use to keep files moving? Read the full guide on CapitalforBusiness.net or tell us which part of your file stalls most.

Address

300 N. Lasalle Street Suite 4925
Chicago, IL
60654

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 9am - 4pm

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