FinklerFunds

FinklerFunds Finances

09/01/2026

Nasdaq is thankful to have spacex on their team

08/27/2026

Yey good thing I'm a foot doctor 😆

08/24/2026

I wish to be so rich I could be as smug

08/03/2026

There is no way....

07/28/2026

You can take breaks but you can't stop.

Could an SBA Loan Help Fund Your Business? 💰📈SBA loans are often discussed as an affordable way to start, purchase, or e...
07/26/2026

Could an SBA Loan Help Fund Your Business? 💰📈

SBA loans are often discussed as an affordable way to start, purchase, or expand a small business—but they are not automatic approvals or risk-free money.

The U.S. Small Business Administration does not usually lend the money directly. Instead, approved lenders provide the financing, while the SBA guarantees part of the loan and reduces some of the lender’s risk.

The main programs serve different needs:

The 7(a) program is commonly used for business acquisitions, working capital, equipment, inventory, refinancing, and owner-occupied real estate.

The 504 program focuses primarily on major fixed assets, including commercial property, construction, machinery, and equipment.

The Microloan program provides smaller amounts for startups and early-stage businesses.

Lenders still examine your cash flow, credit history, business plan, management experience, collateral, down payment, and ability to repay. Borrowers also need to understand personal guarantees, fees, documentation requirements, and the danger of taking on more debt than the business can support.

Canadian entrepreneurs do not use SBA programs, but similar needs may be financed through conventional banks, BDC, equipment financing, vendor take-backs, lines of credit, community lenders, or the Canada Small Business Financing Program.

Read the complete guide on FinklerFunds.com.

Many people assume that buying an established business requires paying the entire purchase price in cash or qualifying f...
07/24/2026

Many people assume that buying an established business requires paying the entire purchase price in cash or qualifying for one enormous bank loan.

That is not always how these deals work.

With seller financing, the current owner agrees to finance part of the purchase price. The buyer may combine personal equity, traditional financing, and a seller note to complete the acquisition.

This approach can reduce the buyer’s upfront cash requirement, preserve working capital, and create flexible repayment terms. It can also give the seller confidence that the business will continue under a committed new owner.

But seller financing is not free money. Buyers still need to carefully examine the company’s financial statements, cash flow, debts, customer concentration, contracts, equipment, legal obligations, and ability to support the loan payments.

Our latest article explains how seller financing works, the common terms found in a seller note, the advantages for buyers, and the risks that should never be ignored.

Read the full guide on FinklerFunds.com.

07/24/2026

Regular rational investors say NO but ordinary people hear space X everywhere and pay more

Own a House. Own a Business. Own Shares. 🏡💼📈Building wealth is rarely about finding one perfect investment. It is usuall...
07/22/2026

Own a House. Own a Business. Own Shares. 🏡💼📈

Building wealth is rarely about finding one perfect investment. It is usually about gradually owning productive assets that can support your future.

A home can provide stability while helping you build equity over time.

A business can create income, independence, and greater control over how value is produced.

Shares and diversified investments allow you to participate in the growth of many companies while benefiting from long-term compounding.

You do not need to own all three immediately—and rushing into debt or an unsuitable investment can do more harm than good. The real starting point is a solid financial base: emergency savings, manageable debt, protected cash flow, and a realistic long-term plan.

Ownership is a long game. Start with the foundation, acquire assets carefully, and keep building.

Read the full article: https://finklerfunds.com/own-house-business-shares-build-wealth/

A recession in 2027 is not guaranteed, but several economic pressures deserve attention.Private credit has expanded rapi...
07/22/2026

A recession in 2027 is not guaranteed, but several economic pressures deserve attention.

Private credit has expanded rapidly, bringing concerns about leverage, opaque valuations, and refinancing risk. Major technology companies are also committing enormous amounts of capital to AI infrastructure, while data centres are placing growing pressure on electricity systems around the world.

At the same time, current forecasts still suggest continued Canadian economic growth. That means the responsible approach is not to predict an exact crash date—it is to recognize the risks and improve your financial position before conditions become more difficult.

Build emergency savings. Reduce expensive variable-rate debt. Stress-test your budget and mortgage payments. Diversify carefully. Strengthen your income and employment options.

Prepare for the risk, not the date.

Read the full analysis on FinklerFunds.com.

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