Costs
Business loan brokers vs direct lenders: how fees differ
Business loan brokers vs direct lenders differ in who gets paid and how. Compare fee types, licensing and recourse before you sign a broker agreement.
Section
Costs
Costs
Commercial real estate loan down payments by owner occupancy and loan program
Commercial real estate loan down payments sorted by owner occupancy and loan program, with cash needed on a $2 million purchase and the closing costs that follow.
Costs
EDC and US lenders compared for Canadian exporters carrying currency risk
Enterprise loan options for Canadian exporters: how EDC guarantees, US bank facilities and hedging costs compare when currency risk hits margins.
Costs
Term loans comparison: four things to normalise before offers mean anything
Term loans comparison: the four things to normalise before two offers mean anything, a grid to run them through, and what decides a close result.
Costs
File Prep for Loans by Credit Profile Requirements
Loans by credit profile requirements vary by product and lender. Check personal and business reports, dispute errors, and prepare your file before applying.
Costs
Loans by industry examples worth copying, and why
Loans by industry examples show real lenders and real borrowers, and the cash cycle each one fits. What to copy from invoice factoring, and what to check first.
Costs
Questions to Ask Equipment Financing Lenders
Equipment financing lenders differ in how they assess assets, borrowers, and deal structure. Use these questions to check fit before discussing an offer.
Costs
What a lines of credit calculator can't price for you
A lines of credit calculator can't price a revolving facility, because the usage assumption is yours. Here are the variables, the formula and the usage test.
Costs
Ownership versus payment: what an equipment financing deal really turns on
Equipment financing turns on ownership: who holds title, what you own at the end, and how to set a term against the working life of the machine.