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There is often a debate in the heads of small business owners over whether they should buy that new piece of equipment or just lease it. It may seem to be a small question with only month to month ramifications, but that fact is that the choice made can affect your tax return as well. It may do so even if you do not intend for it to.

Every company has its own unique business atmosphere and its own cultural identity. Is your business filled with green peacemakers striving to make the world a more environmentally friendly place? Or is it comprised of engineering geniuses who love technology? Whatever the case may be, every business has something that defines its culture.

You may not realize it, but your website can damage your ability to get a loan. It would be crazy to imagine that if you have an existing business website when you apply for a loan your lender would not look at it. What do you want them to see? You want them to see a site that will draw and keep customers. After all, how can you pay back a small business loan if you do not have customers?

Whenever you set up any form of debt settlement agreement with your debtor or your credit card company, your chances for obtaining reliable credit in the future from the same company is considerably reduced. In addition to this, such a step will also impact your overall credit score in a negative direction. The process of debt settlement basically calls for offering the credit card company with a negotiated settlement that aims to convince the company to accept a payment much less than the final debt payment or the total owed amount. Well though many of these processes are successful in relieving the consumer of all his or her debt obligations and also in preventing the lenders from selling any future debt to the collector, however most of them tend to leave your future financial story with a black mark for the next seven years at least.

New York-based small business loan marketplace Biz2Credit said it analyzed average revenue, age of business, average credit scores and other financial data to determine the rankings. It defined "small businesses" as companies having fewer than 250 employees or less than $10 million in annual revenues.

How it grew: With a website that makes it easy for small companies to apply quickly for commercial loans online, seven-year-old Biz2Credit has positioned itself for profit. Biz2Credit's ever-expanding group of lenders, including a number of small banks, is eager to make deals with small firms at a time when bank loans under $1 million have stagnated, according to a Federal Reserve Bank of New York survey. Last year, Biz2Credit facilitated $380 million in loans, up from $200 million in 2012.

As America honors its fallen soldiers this weekend, the country also recognizes the contributions of its returning veterans. They often face challenges such as permanent injury or a return to civilian life that can be difficult after years of serving in the military.

According to the new guidelines, a drywall and painting companies that generate up to $14 million annually are considered small businesses, as are children's clothing stores with $30 million in annual sales, convenience stores with $27 million in annual revenue, and liquor stores with $7 million in annual sales.  

As a small business owner, it is necessary to make financial projections to give an accurate sense of what the future looks like. Year-end financial projections for the year ahead are crucial towards making better decisions and keeping your small business in check. These financial projections should be based on your small business's accounting data, such as expenses and cash flow. Using this information can help you better guide your company in a goal-oriented manner during 2014. Read on for some types of financial projections that could aid your small business.

Earnings and business credit scores of women-owned businesses soared in 2013, according to Biz2Credit.com, the leading online credit marketplace, which analyzed more than 10,000 applications from all across the U.S. on its platform during the past year.

Earnings and business credit scores of women-owned companies soared in 2013, according to Biz2Credit.com, the leading online credit marketplace, which analyzed more than 10,000 applications from all across the U.S. on its platform during the past year. Average earnings for women-owned businesses rose to $54,114 in 2013 from $35,135 in 2012 -- a whopping 54% jump in a year-to-year comparison. Further, the average credit score for women-owned companies rose to 610 in 2013, up from 592 in 2012.

Everyone knows that opening a restaurant is a difficult undertaking, but it doesn't have to be all blood, sweat, and tears! Here, we break down some tips that will streamline the process of opening your own restaurant and help entrepreneurs obtain restaurant loans to start and grow their businesses successfully.

After going to school for the time and money it takes to become a veterinarian, most graduates are ready to get to work as soon as graduation is done. Whether you decide to jump straight into business for yourself or do some time in an established veterinarian's office first, when the time comes to branch out on your own you are going to need a lot of support. From finding loans for a veterinary practice to finding a location, there are going to be challenges. Where should you start?

When it comes to dealing with issues such as debt management, loan qualification, and credit scores, everything is surprisingly interconnected. Most people's bad debt comes from misuse of their credit lines and loans. When credit scores drop, they discover that getting personal and business loans can be much more difficult. -

There are times office equipment breaks down and you can simply write a check or draw from the business line of credit for repairs or replacement. Other times this is not the case. In those instances, it is necessary to call in the big guns. Equipment financing is likely the answer when other options just will not work.

In the process of starting your own small business, the first stretch is always the busiest and most difficult. Working every day for 12 hours straight is not uncommon. Even though you may be enjoying it, you're probably wondering when the craziness will let up a little. Here are four tips to ensure that your hard work will come to fruition, and that your small business will keep growing - slowly but steadily!

Before you even write up your loan application, carefully consider how much money you need. Set a limit for your expenses, and stick to it! Think about the money you absolutely must spend on bare essentials (i.e. real estate, basic equipment), and avoid paying for things you don't absolutely need for opening your small business. (Remember, you can always buy them later if your start-up is successful!)

Starting a blog can do wonders for your small business! You can use it to emphasize your company's mission, position yourself as a leader in your industry, and attract the attention of potential customers. Not only will your company get on more people's radar, but your company will also gain more customer loyalty. Here are a few things to keep in mind when starting a blog.

The reasons for the big bank pullback, Arora says, are three-fold. First, big banks have more challenging underwriting standards and they may be waiting for 2013 tax returns from businesses. The harsh winter has also wrought havoc on business sales as customers stayed home and businesses themselves pulled in and perhaps sought fewer loans. Lastly, Arora says, banks haven't done a good job automating their loan processes, so it slows down their loan approvals

Banks made it easier for businesses to get loans in the first quarter, fueling increased purchases of products and equipment as well as more merger activity, the Federal Reserve said Monday.