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    <description>Orer News covers small business, including Small Business, Entrepreneurship and Finance, with clear reporting, context, and practical guides.</description>
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      <title>What a 7.50% Prime Rate Does to Your Business Credit Line</title>
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      <description><![CDATA[Prime fell to 7.50% by December 2024, cutting roughly $500 a year per $50,000 drawn on floating lines. The index, margin, and reset schedule that decide what you actually pay.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:56:27 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
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      <title>The Real Cost of a First Hire, Itemized</title>
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      <description><![CDATA[A $52,000 hire realistically budgets at $65,000–$73,000 loaded: 7.65% employer FICA, workers' comp, ~$6,000 health coverage, and payroll costs, per BLS and IRS 2024 data.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:56:26 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>SBA 7(a) Fees Are Back: What Borrowers Pay After the Relief Expired</title>
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      <description><![CDATA[SBA 7(a) fee relief expired September 30, 2023, bringing back an upfront guarantee fee of up to 3.75% of the guaranteed portion. What a typical $500,000 loan now costs at closing.]]></description>
      <pubDate>Mon, 24 Aug 2026 08:56:25 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>Prime Rate Holds at 6.75%: What It Costs Your Business Loan</title>
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      <description><![CDATA[The Fed held rates on July 29, 2026, keeping the prime rate that prices many small-business loans at 6.75% — here is how that number actually reaches a line of credit or an SBA 7(a) loan.]]></description>
      <pubDate>Fri, 21 Aug 2026 08:48:13 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>Prime Rate Holds at 6.75% After the Fed&apos;s Split Decision</title>
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      <description><![CDATA[The Fed left its target range unchanged on a 9-3 vote, keeping the prime rate that indexes most small-business credit lines flat for now.]]></description>
      <pubDate>Wed, 19 Aug 2026 08:48:11 GMT</pubDate>
      <dc:creator>Michael Hayes</dc:creator>
      <category>Markets News</category>
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      <title>Prime Is 6.75%: How That Number Reaches Your Loan</title>
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      <description><![CDATA[Banks post the prime rate, the Fed publishes it, and your note decides when it lands. The spread and the reset date do more work than the headline number.]]></description>
      <pubDate>Mon, 17 Aug 2026 08:48:10 GMT</pubDate>
      <dc:creator>Michael Hayes</dc:creator>
      <category>Markets News</category>
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      <title>What the SBA&apos;s 75% Loan Guarantee Actually Covers</title>
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      <description><![CDATA[The federal guarantee behind an SBA 7(a) loan protects the lender's exposure, not the borrower's balance — here is what it does and doesn't change.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:48:09 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
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      <title>What 100% Bonus Depreciation Means for Your Next Equipment Buy</title>
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      <description><![CDATA[A permanent rule change lets a small business write off qualifying equipment in full, the year it's bought. Here is how the date on the purchase order decides what you can claim.]]></description>
      <pubDate>Thu, 13 Aug 2026 08:48:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>Fed Holds Rates Steady, SBA Loan Costs Stay at 6.75%</title>
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      <description><![CDATA[The Federal Reserve left its benchmark rate unchanged on July 29, keeping SBA 7(a) borrowing pinned to a 6.75% prime rate and leaving open the chance the next move is up, not down.]]></description>
      <pubDate>Wed, 12 Aug 2026 08:48:08 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
      <category>Entrepreneurship</category>
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      <title>Why Credit Lines Are Established Before You Need Them</title>
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      <description><![CDATA[Lenders ration credit exactly when applications rise — why the undrawn standby line is set up in strong quarters, and how to size and hold it.]]></description>
      <pubDate>Mon, 10 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Finance</category>
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      <title>How the 6.75% Prime Rate Resets Your SBA Loan Cost</title>
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      <description><![CDATA[SBA 7(a) variable-rate loans are capped at the prime rate plus a size-based spread, and a 2026 rule change gave lenders new base rates to peg them to — here's how to read your own note.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:48:07 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Business News</category>
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      <title>Price-Escalation Clauses: Read Them Before Prices Move</title>
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      <description><![CDATA[Index, trigger band, cap, and notice — the four terms of a supplier price-escalation clause that decide who absorbs the next cost shock.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Business News</category>
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      <title>Market Volatility Is a Supply-Chain Problem Too</title>
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      <description><![CDATA[Commodity swings become margin problems where contracts are silent — indexed pricing, bands, and horizon-matching for volatile inputs.]]></description>
      <pubDate>Sat, 01 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Michael Hayes</dc:creator>
      <category>Markets News</category>
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      <title>What a Seed Deck Needs to Survive the First Three Minutes</title>
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      <description><![CDATA[Problem, dated traction, and a mapped ask up front — how to structure a seed pitch deck for the first three minutes of reading.]]></description>
      <pubDate>Mon, 27 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
      <category>Entrepreneurship</category>
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      <title>Why a Separate Business Bank Account Pays for Itself</title>
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      <description><![CDATA[Commingling funds costs deductions, LLC protection, and CPA hours — how a separate business account pays for itself.]]></description>
      <pubDate>Thu, 23 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
      <category>Small Business</category>
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      <title>When Refinancing Business Debt Actually Pays</title>
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      <description><![CDATA[Rate savings versus fees versus term extension — the three computations that decide whether refinancing business debt actually pays.]]></description>
      <pubDate>Sat, 18 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
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      <title>When Can You Legally Say &apos;Made in USA&apos;?</title>
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      <description><![CDATA[The FTC's Made in USA Labeling Rule: all or virtually all domestic content, qualified claims, civil penalties — and what to document first.]]></description>
      <pubDate>Tue, 14 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>Reading an FOMC Statement Without the Noise</title>
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      <description><![CDATA[The FOMC statement is a diff — what changes between meetings is the signal that moves floating-rate business debt. A fifteen-minute operator's habit.]]></description>
      <pubDate>Thu, 09 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Michael Hayes</dc:creator>
      <category>Markets News</category>
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      <title>Bootstrapping or Seed Round: What Each Actually Costs You</title>
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      <description><![CDATA[Dilution, control, speed, and mistake budget compared — what venture capital and bootstrapping each actually cost a founder.]]></description>
      <pubDate>Sun, 05 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Entrepreneurship</category>
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      <title>How Many Months of Expenses Should a Business Hold in Cash?</title>
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      <description><![CDATA[Business cash reserves sized by revenue concentration and cost flexibility — how many months to hold, and where to keep them.]]></description>
      <pubDate>Tue, 30 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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