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When startups raise funding or issue employee equity, they create a capitalization table—commonly called a cap table. This document shows who owns what in the company: founders, employees, angels, venture capitalists, and other stakeholders. For early-stage companies, cap table management…
Growing companies often find themselves in a financial “middle ground.” Traditional bank loans may not provide enough capital, while raising equity could mean giving up too much ownership. That’s where mezzanine financing comes in—a flexible hybrid that combines features of…
Every entrepreneur faces a fundamental question when raising capital: Should I finance my business with debt or equity? Both approaches—borrowing money or selling shares—can fuel growth, but they come with very different trade-offs in terms of ownership, risk, and flexibility.…
Future of small business financing, the financing world is evolving faster than ever. From artificial intelligence transforming loan approvals to sustainability-linked funding shaping new credit markets, the future of small business financing will look very different by the end of…
Business financial planning uncertainty, economic volatility, rising costs, and geopolitical risks have become the “new normal” for many companies. A recent survey found that a majority of small and mid-sized businesses expect higher costs and worry about their ability to…
Business owners often ask: Why are loan rates rising? The answer lies in interest rate policy—the actions of central banks like the U.S. Federal Reserve (Fed) and the Bank of Canada (BoC). From rate hikes to new banking regulations, central…
The COVID-19 pandemic disrupted business financing more than any event in recent history. Government relief programs, massive stimulus, and a surge in digital lending reshaped how companies accessed capital. Now in 2025, post-pandemic business lending looks very different from the…
Recessions are part of every economic cycle, and while they can’t be avoided, your business can prepare for them. The smartest entrepreneurs don’t wait until a downturn hits—they build recession business financing strategies while times are good. By securing credit…
Inflation business financing impacts more than just consumer prices—it directly affects how businesses borrow, invest, and manage cash flow. When costs rise, companies often need extra working capital to cover expenses, while interest rates set by central banks increase the…
High interest rates business loans, with interest rates at their highest levels in years, many small and mid-sized businesses are feeling the squeeze. According to Goldman Sachs, only 32% of small businesses believe they can afford to borrow at current…
