Mossrock Financial, a small-business funding service in Aiken, South Carolina, publishes long-form articles for Aiken County owners on financing gyms, daycare centers, dental and medical practices and auto repair shops, and on what equipment loans require, each with Census figures, a worked example and a checklist.
What Is Monthly Cash Flow? Local Notes From Aiken, SC
Monthly cash flow is the money that came into the business in a month minus the money that went out, including loan payments. It differs from profit: a sale on 30-day terms counts as revenue when made but shows up in cash flow only when paid. Partners read cash flow in bank statements because it shows whether payments can be made on their due dates.
What Is Cash Flow Lending? Checked for Aiken, SC
Cash flow lending means a partner sizes and prices a loan mainly on the business's cash flow rather than on collateral. Working capital loans and many lines of credit work this way; equipment loans lean more on the equipment. The articles above show how partners read cash flow for different businesses.
How to Get Working Capital? A Checklist for Aiken County, SC Owners
- Write down the gap: what is due, when, and when money arrives.
- Check whether the gap repeats; a repeating gap points to a line of credit.
- ==Pull recent business bank statements and the last filed tax return into one folder.
- Call or send the request form.
Working capital loans covers the options.
What Is a Cash Flow Loan? Read This Before Applying in Aiken, SC
A cash flow loan is a loan underwritten on the business's cash flow that may have no specific collateral, though it may carry a general lien and a personal guarantee. Partners read deposits, existing debt payments and the owner's credit, and size the payment to what the deposits support.
What Is Global Cash Flow? The Aiken County, SC Angle
Global cash flow combines the business's cash flow with the owner's personal income and obligations. Partners use it for small businesses where the owner's finances and the business's are closely tied, such as a practice or a shop owned by one person. Expect to share personal returns and a list of personal debts.
The DSCR calculator helps with the business side of that arithmetic.
By Mossrock Financial · Updated
