Big bank small business lending units run on credit-score scripts and SBA wraps, Fed survey data shows. Small banks still approve more files. Here is how the model works and who clears it.
Broker fees on SBA 7(a) loans follow a written cap schedule: 3 percent on small loans, 2 percent up to $1 million, with an aggregate ceiling of $30,000. Every agent fee must land on Form 159, signed by all three parties to the deal.
SBA caps a 7(a) lender’s margin at prime plus 3.0 to 6.5 points by loan size, and prime stood at 7.00% in October 2026. Here is how the guarantee, the caps, and bank pricing compare.
Same-day market coverage is built for attention, not for your ledger. Here is how to read it without the noise.
How low-interest disaster and emergency loan programs work, the paperwork they demand, and why the smartest operators prepare before the storm, not after.
The first five financial steps worth taking, ranked by how much each one protects you.
Depth, speed and bias profile differ more between outlets than most owners expect. Here is how to match one to the way you actually run your day.
Founder drive lasts longer when it runs on systems, feedback, and other people — not on 5 a.m. mythology.