Business Loan Learning Center

Business Loans, Business Lines of Credit, Business Loan comparison, Business Finance,

Business Loan Consolidations, Double Dipping and the Dangers of Stacking

Double-Dipping is a complex component of Financing that is sometimes difficult to understand.  Double Dipping multiplies the true costs of funding by thousands of dollars on each renewal or refinancing. Most merchant cash advance companies do not offer an early payoff discount or incentive reward at renewal. In fact its the exact opposite. Prepayments result in the even higher return to the lender or funder and additional costs to merchants that could have possibly been avoided.  High costs and shorter payback periods sometimes push the actual rate higher and thru the roof which creates a potential debt loop which can be suffocating.    In an industry where many companies use high-pressure sales tactics, having a company on your side that will use a consultative educational approach towards working with you is invaluable. While sometimes entering into a loan or advance that will eventually double dip can't be avoided due to the financial stability of the business; understanding how it works and knowing if it can be avoided creates trust, peace of mind and long-term relationships. Over 80% of our clients have chosen to renew with us instead of competitors. Free No obligation Quotes and Consolidations



Loan stacking what it is and why it happens.

Sometimes fast or “easy” money to fund a growing business seems like the best choice—it might not be and commission-focused brokers or Lenders might not provide the best alternatives.  Business owners should understand the impact of taking on additional loans or advances and the best options to make a full decision on what's best for them and their business.  Is the lender, funder, or broker looking out for your best interest? Or are they just looking for quick and easy money and additional commissions?  Can you afford to pay it back with your current margins or will it put a further strain on your business?  Alternatives to Stacking  There are many opportunities to improve cash flow in your business. If you have multiple loans or advances, the first option should be to consolidate them into one lower payment. Consolidating has the potential to lower your daily or weekly payments.

Novus Capital Funding Loan Savings Reports

Algorithms and Esoteric Scoring Models .

Not so complicated terms. 

Since traditional lenders increased underwriting guidelines since the 2008 financial crisis, alternative lenders have stepped in to help small to mid-size business with much-needed capital. The problem is making your way thru the vast array of Lenders and Brokers who all claim to be the best at what they do. 

 Cash flow is the lifeline of any business. When cash flow is limited, business owners must make decisions that can cause undue stress and put unnecessary burdens on them. Business owners many times delay business expansion plans until conditions change which sometimes causes them to forgo timely opportunities.

 We want our clients to keep their Focus on the Long-term Financial Health of their Business, not worry about complicated terms, procedures and underwriting guidelines.  

Small business owners are often so caught up in the day-to-day business obligations that they lose touch with the financial side of their own companies. By educating our clients about the risks of stacking, the pitfalls of this industry and involving the right partners, business owners can have a more holistic financial picture of their companies.  You know your business and we know ours.

  Our dedicated professionals understand what products are best according to each individual situation and the best possibilities there are for funding.

We are committed to responsible lending and finding the right products to suit their best interest. We believe that by replacing distrust with trust, adding the human element to the data, honoring the potential for transformation, and valuing relationships over automation, we are building a better way.

Double Dipping and the Dangers of Stacking

How personal credit effects Buiness Loan decisions


In the eyes of lenders, credit scores fall into several buckets, which indicate how risky it may be to extend credit or loans.

In order to achieve Business Loan from a traditional bank. Borrowers typically need to meet minimum criteria related to credit scores, annual revenue and years in business. And lenders generally frown upon recent bankruptcies and other past delinquencies credit to an individual or a business.

Credit scores typically break down in the following manner:

· 720 or more: Excellent

· 660 - 719: Average/Fair

· 620 - 659: Poor

· 620 or lower: Bad

Business Cash Advance and Business Lines of Credit from non tradtional Lenders are a way for Business owners to get much needed Capital for the exapnision, growth and health of their business  when tradtional banks turn them down.


Business Credit vs Personal Credit for Loans and Advances.

Business Credit vs Personal Credit for Loans and Advances.

Credit Reports

Free annual credit reports


Your rights to your free annual credit reports

Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion - to give you a free credit report every 12 months if you ask for it

 They also make it easy to accomplish many credit-related tasks right from your computer.

The only  source authorized by Federal Law

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 Federal Law Allows You To

  • Get a free copy of your credit report every 12 months from each credit reporting company.
  • Ensure that the information on all of your credit reports is correct and up to date.