Alternative Financing Blog by Excel Capital

Fast Small Business Loans: The Best Options for 2024

As a business owner, you know that a big part of your job description is putting out fires. That could be: A piece of equipment suddenly breakingDamaged merchandise due a shipping mishapOr an employee that
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20 Top Trending Business Ideas No Fluff [2024 Edition]

Looking to start a new business? The world is changing quickly, but there only ever seems to be more opportunity. Software, digital services, new product businesses, and entirely unique offerings never before seen. Now is
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How to Fill Out Form 1120: Step-by-Step Instructions [Updated for 2024]

What Is IRS Form 1120? IRS Form 1120 is used by corporations to file their taxes. Specifically, to report their income, deductions, losses and gains, and credits. If you’re any type of U.
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How to Fill Out IRS Form 9465: Step-by-Step Instructions [2024 Edition]

What Is IRS Form 9465? IRS Form 9465 is used for requesting and implementing an installment agreement on tax payments. Typically, Form 9465 is used when someone files their taxes but finds that they owe
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What Is IRS Form 941? How to File Your Quarterly Tax Return [2024 Edition]

What Is Form 941? IRS Form 941, Employer’s Quarterly Federal Tax Return, is used by employers to report income and payroll tax withholdings, Social Security, and Medicare tax burden. The complete list of
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How to Fill Out IRS Form W-7 and Obtain Your ITIN Number (Quick and Easy Guide)

What Is IRS Form W-7 Used For? IRS Form W-7 is an official IRS form used to obtain an Individual Taxpayer Identification Number. You typically need form W-7 for filing taxes with the IRS
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Best Bad Credit Business Loans of June 2024

If you're a business owner in need of a loan, but you have bad credit, you have options. Below, we'll cover the best bad credit business loan types of June, 2024 and how to get
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What Is IRS Form 4506-T? + How to Get Your Tax Transcript

What Is IRS Form 4506-T? IRS Form 4506-T is an official IRS form used to request a tax return transcript. Typically, Form 4506-T is used when you need to provide your tax return information for
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Best Emergency Business Loans: How to Get Fast Funding + Best Options

As a business owner, you know that putting out fires and finding solutions is a part of the job. When the unexpected happens, emergency business loans are available to help bridge the gap. Whether large
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How to Get a Home Based Business Loan: 5 Options

Getting the funding you need for a home-based business can be challenging. In addition to the challenges of starting a home-based business– applying for licenses, filing taxes– acquiring business capital to start, grow, or expand
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Construction Business Loans: Get the Funding Your Business Needs Today [2024 Guide]

Construction Business Loans: Everything You Need to Know As a general contractor, you know that obtaining construction business loans is important to running a construction business and operating in a fluid fashion. Full
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7 Best Small Business Checking Accounts of 2024 (+ How to Choose a Business Bank Account)

Finding the best small business checking account that fits your needs may seem like a small step. However, given how often you'll use it, it's a critical step in establishing a smooth financial system
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Fast Small Business Loans: The Best Options for 2024

Where Can You Get Your Personal Credit Report for Free? (2024 Guide to Obtaining and Reading Your Credit Report)

Your personal credit report acts as a gateway to your financial future. Right now, your report may or may not be very promising. The good news is you’re in full control of what shows
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Private Business Loans

Table of Contents: What are private business loans?What types of private business loans are there?Why get a private business loan?How to get a private business loanFrequently asked questions What are private business
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What is a Voided Check? How to Void a Check + Voided Check Examples

What Is a Voided Check? A voided check is an official check from your banking institution that has had the word “VOID” written clearly (and in large print) all the way across the front of
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What Is a Bridge Loan? + How to Get One

What Is a Bridge Loan? A bridge loan is a short-term, loan that helps “bridge the gap” until a longer-term funding method can be secured by the borrowing party. A bridge loan–
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Online Business Loans

Table of Contents: What is an online business loan? Online business loan rates and fees How to be approved for an online business loan Business loans by industry Frequently asked questions What are online business
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How to Find an ABA or Routing Number

What is an ABA routing number? An ABA number, more commonly known as simply your routing number, is the nine-digit code that identifies which bank you do business with (see bottom left): So, what is
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Top 7 Best Ecommerce Platforms for 2021

You’ve spent time coming up with your next big (or first) business idea… … and now you’re ready to pull the trigger. The only problem? You have no idea what ecommerce platform to pick.&
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Legalshield Review: Is Legalshield Worth It?

What is LegalShield? Founded all the way back in 1972, LegalShield is a pioneer in affordable legal services. Instead of paying exorbitant hourly rates for legal advice with the typical law firm, you can pay
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Top 6 Free Accounting Software for Small Business

Free accounting software comes in all shapes and sizes. There’s the simple and intuitive kind with a user-friendly interface. Then there’s the more comprehensive kind which tends to be a bit dated
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How to Franchise Your Business: 6 Steps to Starting Your Franchise

Want to know the steps to franchising your business? Franchising offers a big potential return on investment, but it also comes with a big cost. Read on to learn more. What is franchising and
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Stripe vs. Square: A Comparison of Online Payment Processors

Stripe vs. Square: An Overview Looking for a good payment processing solution for your business that caters to both retail and online sales? When it comes down to it, there really isn’t a
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Minority Business Loans: A Guide to Minority-Owned Business Financing Programs

Minority business loans and other unique programs exist for minority-owned businesses throughout the U.S. While many of these programs are state or community-specific, there are some large-scale programs as well. Read on to find
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The 14 Best Banks for Small Business

It might not be the first thing that comes to mind when you think about starting up your business, but choosing which bank to work with is a vital part of your daily business dealings.&
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How to Start a Business: The Complete Guide to Starting a Business

Learning how to start a business is a lot like learning a new language: At first, everything feels foreign and new. After a while, though, you start to get the hang of it. It starts
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LegalZoom Review 2020: Pros, Cons, and Alternatives

Since 2001, LegalZoom has been the face of digital legal services. From incorporation to setting up a trademark, LegalZoom has established itself as the forerunner in business and legal services for business owners everywhere. But
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Small Business Relief: A Guide to New COVID-Related Financial Assistance Resources for SMBs (Updated for April 2020)

We’re living in an unprecedented time. Due to the strain of mass lockdowns across the U.S. as a result of the COVID-19 pandemic, businesses are squeezed harder than ever just to get by.
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Guide to USDA Business Loans

If your business exists outside major cities in rural American, you know the disadvantages that come with the territory. It’s hard to get supplies and shipments, harder to meet with clients and customers, and
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Contract Financing: How You Can Use It to Finance Your Business

What is contract financing? As anyone in a business such as construction knows, getting a big contract can be a big step forward for your business. Then you realize you need to pay for it.
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5 Ways to Automate Your Business to Save You Time and Money

As you begin to scale your business, the sheer number of things that need to get done can seem overwhelming. And while you don’t have to do everything yourself, even with a great team
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High-Risk Business Loans: Are They For You?

What is a high-risk business loan? High risk business loans are small business loans offered to business owners with bad or inadequate (not enough) credit or considered to be operating in a high risk industry.
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How to Get Started with Google My Business: A Guide for Small Business Owners

What is Google My Business? Google My Business is Google’s official tool that allows you to add your business to local Google search and Google maps listings. Chances are, you’ve run across one
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Business Funding: The Best Ways to Fund Your Business in 2020

What are the types of small business funding? There are several different types of small business funding, from short-term and long-term options to others designed for recurring funding needs. Here are 5 ways to fund
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6 Ways to Market Your Small Business

Are you at a loss about how to market your small business online? Have you looked through countless pages, read about a hundred different marketing strategies, and you feel no closer to know what you
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Patriot Software Review: How Good is Patriot for Small Business Accounting?

What is Patriot software? There is –a lot– of small business accounting software out there. Don’t take our word for it. Actually, scratch that. Take a look at these: Ultipro Payroll: Everything You Need
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MOO Business Card Review: Is MOO Printing Right For You?

Need new business cards? Check out this MOO business card review to learn whether this popular business card service is the right one for you. If you’re due for a new order of
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How A Merchant Cash Advance Allowed This Canadian Business To Expand!

Oren Fletcher, a 25 year-old car detailing business owner from Ontario, Canada was an up and coming entrepreneur. His car detailing shop, Fletcher’s Detailing, was the go-to spot in Cornwall, Ontario and showed no
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What Is a 1031 Exchange? A Comprehensive Guide

Wondering how to do a 1031 exchange with real estate? Read on to find out more about what a 1031 exchange is, specific rules to keep in mind, and the different types of exchanges.
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How We Used SEMrush to Grow Our Organic Search 10x in One Year

Are you a business owner wondering how to stay ahead of constant changes in the SEO arena when you have enough to deal with running your business? SEMrush helped us improve our marketing with a
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How to Value a Business: A Comprehensive Guide to Properly Valuing Your Business

How to value a business: How much is your business worth? Whether it’s to acquire funding via a small business loan or investors or sell the business, properly valuing your business is an important
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Mezzanine Financing Definition

What is mezzanine debt financing? Mezzanine debt, also called mezzanine financing, is a type of financing that got its name due to the fact that it’s a debt-equity hybrid. Mezzanine financing gives
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What Is Decision Logic? A Complete Bank Verification Guide

Are you a lender considering using Decision Logic? A potential borrower whose prospective lender is requesting a bank verification through Decision Logic’s automated system and you’re wary of what it is, how
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How to Write a Business Plan: A Step-by-Step Guide

Want to know how write a business plan? Not sure what needs to go in each section or how long it should be? Read on to find out. How to Write a Business Plan Every
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Bizfi Secrets Finally Revealed - Everything You Need to Know!

Bizfi: The Rise (and Fall) of a Fintech Trailblazer The year was 2005. A brand-new company– Merchant Cash and Capital (MCC), later known as Bizfi– was shaking up both the financial and technology industries
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Quicken vs. QuickBooks: A “Quick” Comparison

If you’re looking for accounting software that makes doing your own business accounting easier or looking to replace your accountant, both QuickBooks and Quicken are tried-and-true options that can’t be overlooked. But which
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How Business Financing Changes During the Business Life Cycle

Finance has an integral part to play in a business. At a basic level, sufficient financing ensures that businesses have enough cash flow to maintain daily operations. This also assists in investment-related decisions, and facilitates
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How General Contractors Benefit From Contractors Insurance

Working as a contractor has a lot of things going for it. You get to work flexible hours, the income is typically better, and you’re basically your own boss. As a contractor, you
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Understanding Your Business Credit Report

Why should you check your business credit report? Unlike your personal credit report, business credit is a bit more of an unknown. How does it work? When does it come into play? How do I
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How to Get a Business License: A Guide to All 50 States

Starting a new business is exciting, but it’s easy to forget some of the more technical work that needs to get done. Things like getting a business license and figuring out your business taxes
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How to Get a Liquor License: A Guide to All 50 States

How much does a liquor license cost? So, you’re planning to get a liquor license. Whether you’re a preexisting restaurant looking to add alcohol to your menu or a new bar or liquor
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Accounts Receivable Turnover: Formula, Definition, Examples

Running a business requires a continuous assessment of operations followed up by strategic and informed modifications. That's just a fancy way of saying you need to know every aspect of your business to avoid surprises
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The Landscaping Equipment Guide - Better to Buy, Rent or Lease?

In this Guide we Explore Landscaping Equipment Funding Types As a business owner, you are going to have a lot of different decisions to make on a day-to-day basis – with each and every one
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6 Proven Funding Methods for Entrepreneurs Looking to Grow Their Business

nbsp; 6 Funding Methods to Think About When Raising Capital Everyone loves a feel-good story. It’s hard not to smile when you see a video of a Make-a-Wish helping out a child, a story
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7 Workplace Safety Tips to Get More out of Your Small Business Benefits

It’s important for any business, whether big or small, to prioritize the safety of all employees in the workplace. Small businesses should especially take this seriously, considering that they are affected more severely compared
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Common Management Mistakes That Hinder Employee Productivity

In a perfect scenario, employees are cared for by their managers, motivation is through the roof, and productivity is evident throughout the company. But the sad reality is, most workers feel overworked and undervalued by
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Looking for How To Calculate Ebitda? The Ebitda Formula Explained

One of the most important numbers you have to look at any time you're considering making an investment in a company is the Ebitda. The abbreviation Ebitda stands for earnings before interest, tax, depreciation, and
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What is Positive Cash Flow and How it Affects Your Business

The simplest description of cash flow is the amount of money moving into and out of a business within a period but are you aware if you are carrying positive cash flow? For most businesses,
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How will the Trump Tariffs affect your business?

By now, everyone is well aware of the ongoing trade war between the US and China, unless they've been living under a rock. However, it has been the latest bout of Trump tariffs that has
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The Top Small Business Funding Options for 2019

While small businesses are the lifeblood of the global economy they definitely face their fair share of challenges, particularly when it comes to small business funding. A lot of new entrepreneurs just aren’t
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1099 vs. W2 Comparison: Which Is Best When Hiring for Your Business?

Do you know which you should choose, W2 vs. 1099? Employee vs independent contractor? Does just thinking about the choice make your head spin? Don't worry, we've got you covered. In some ways, business was
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What Is APR? Frequently Asked Questions Answered [2024 Guide]

Whether you’re asking for a bank loan or applying for a credit card, the most important thing to consider is the APR. You will recognize it as the number expressed as a percentage
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ClickFunnels Review: Is ClickFunnels right for your business?

Many online businesses fail to grow and become profitable not for the lack of marketing, but in failing to convert potential customers into paying customers. There are many ways for a business to increase its
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The Top 10 Absolute Best Ecommerce Platforms for 2020

Ecommerce is booming. It's estimated that this year there will be a staggering 1.92 billion digital buyers around the world - and that number is only going to grow as time goes on. It's
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Cannabis Business Loans: Resources for Funding Your Cannabis Business

How are Marijuana Business loans possible? With cannabis now legalized in many states and legislation in place to expand that further, the cannabis industry has exploded into a multi-billion dollar industry practically overnight. However, regulations
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How To Start A Rental Property Business In 2019

Starting a rental property business can be a very lucrative endeavor. However, it’s also not the easiest business to get into. For one, acquiring property requires a lot of capital. Getting a bank loan
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Home-Based Business Ideas If Your Looking to Work From Home

We put together the top home based businesses for 2019 Starting a home-based business might seem too good to be true. (Especially if you’re used to working in the corporate sector.) However, the opportunity
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A Look at Business-Level Strategies (and How to Apply Them to Your Business)

What do your customers think about your business? What niche area have you carved out for yourself, and where do you stand in relation to the other options in your niche? Your answers to
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Ultipro Payroll: Everything You Need to Know

What is Ultipro? One of the most popular cloud-based payroll software services, Ultipro (Offered by Ultimate Software) offers both comprehensive features and valuable automation functionality. Ultipro offers a level of customization that is nearly unbeaten.
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Best Business Credit Cards for 2020: A Complete Review

Looking for the best business credit cards? If you’re reading this, that’s probably what you’re wondering if it exists. That or what the best business card cards are for 2019 (we’ll
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5 Best Background Check Sites

Sometimes, you just need to be safe. Whether it’s implementing background checks for new employees or accessing court records, a background check is a useful way of obtaining information that can help you make
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Small Business Statistics for 2019

Small businesses are the lifeblood of the US economy and below are the small business statistics every business owner needs to know. The overwhelming majority of businesses in the United States are classified as small
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Crowdfunding and Peer-to-Peer Lending: Everything You Need to Know

The Internet and the resulting Fintech revolution has brought many advancements to the lending and investment space across the globe. Crowdsourced alternatives to both lending and investing have connected the global population on a scale,
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Top 10 Trending Business Ideas for 2019

What are the top trending business ideas for 2019? There are countless developing industries and ripe new business spaces developing throughout the world. However, as the Internet matures, certain industries, skillsets, and spaces stand out
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How to Sell on Amazon: A Step-by-Step Guide

Want to know how to sell stuff on Amazon? Nowadays, everyone’s trying to get in on the opportunity to gain exposure for their business on the world’s largest retailer. In 2018, Amazon reported
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6 Steps You Should Take Today to Cut Expenses

Running a business takes stamina, gumption, meticulous planning, and (of course) money. You have many fixed and variable costs, such as rent and utilities, inventory purchases, professional fees, and employee wages. Are your business expenses
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