Business Credit News & Analysis

Bank Capital · Credit Strategy · Featured

Banks Are Raising Record Debt to Cover Losses. Your LOC Terms Are Next.

Regional banks issued near-record subordinated debt in 2025, the third-strongest year on record, and $8 billion more comes due in 2026. Here's what that Tier 2 capital cushion signals for your next line of credit renewal.

August 23, 2026 Read Analysis →

Credit Strategy · Unit Economics

The Refinance Math Nobody Runs Before Swapping Business Debt

A lower rate on refinanced commercial debt can still be a net loss for 18 to 24 months once closing costs, prepayment penalties, and new fees are counted. Run the break-even math with our calculator before you sign.

September 1, 2026 Read Analysis →

Lending Markets · Investigation

The 2026 Commercial Debt Wall: Why Refinancing Fails at the Bank

$875 billion in commercial mortgages mature in 2026. Trepp and CRED iQ data show a growing share can't refinance cleanly, forcing lenders into extend-and-pretend workouts, forced sales, or special servicing.

September 1, 2026 Read Analysis →

Credit Strategy · Investigation

Refinance, Consolidate, or Restructure: Who Actually Benefits?

Three real paths exist for painful commercial debt, and the one a broker pitches first often pays their commission, not your balance sheet. A side-by-side comparison of what each path costs, how fast it moves, and what lenders actually check.

September 1, 2026 Read Analysis →

Lending Markets · Private Credit

Private Credit Defaults Are Climbing. Banks Are Using It to Undercut Fintech.

Default estimates on private credit range from 2% to 9%, depending on who's counting. BDC capital formation fell 40% in a year, and banks are re-entering mid-market lending to win business owners back on price.

August 23, 2026 Read Analysis →

Lending Technology

Underwriting Went From Weeks to Minutes. Most Owners Haven't Noticed.

Non-bank lenders now fund business loans in 1.8 days on average, down from 4.2 days in 2024. Traditional banks still take 4 to 8 weeks. Here's what's driving the gap and how to use it.

August 23, 2026 Read →

Credit Strategy · Lending Markets

Small Business Optimism Hit a 4-Month High. Borrowing Didn't Follow.

NFIB's optimism index rose to 97.4 in June, the highest reading in four months. Only 22% of owners report borrowing regularly, 12 points below the historical average, even as inflation concerns hit their highest level since October 2024.

July 16, 2026 Read Analysis →

Alternative Finance · Lending Markets

SoFi's 24-Hour Business Loans Are Missing the One Number That Matters

SoFi launched fixed business loans up to $250,000 on July 1, funded in as little as 24 hours with no fees. It hasn't published a rate. Here's why that omission, and the fixed-loan-versus-credit-line structure underneath it, matters more than the funding speed.

July 2, 2026 Read →

SBA Policy · Lending Markets

SBA 7(a) Applications Drop 14% as Private Lenders Cut Funding Time to 1.8 Days

The SBA raised its credit scoring threshold and restored guarantee fees at the start of FY2026. Operators read the conditions and routed around the program, straight to alternative lenders now holding 41% of the small business lending market and funding in under two days.

June 23, 2026 Read Analysis →

SBA Policy · Lending Markets

When Your SBA Lender Exits the Market, the Replacement Is Priced Differently

BayFirst is out. Other lenders are pulling back on SBA originations after a wave of problem loans tied to the 2022 rate cycle. As concentration grows at the top of the lender stack, private credit funds and fintech platforms are absorbing the displaced volume.

June 19, 2026 Read →

Lending Markets · Credit Strategy

Your Tariff Bill Tripled. A Credit Line Costs Less to Bridge It Than You Think.

Monthly tariff costs for affected small businesses jumped from $8,400 to $27,200 in one year. The businesses managing it best aren't taking term loans: they're drawing on revolving credit lines to bridge a 60-to-120-day cash flow gap and pre-buying inventory ahead of rate hikes.

June 16, 2026 Read →

Utah Business

Utah Earned a #1 Economic Ranking. Most Small Business Borrowers Haven't Captured That Premium Yet.

Utah ranked #1 nationally in economic outlook and posted 4.5% real GDP growth in 2024. Here's what that means for small business borrowers across the Wasatch Front, and where the lending environment still has gaps.

June 12, 2026 Read →

Credit Strategy

Credit Score Requirements for a Business LOC: What You Actually Need by Lender Type

Bank lines of credit typically require a 680 FICO. Online lenders accept scores as low as 600. Here's the exact threshold by lender type, and what to do if your score falls short.

June 9, 2026 Read →

Alternative Finance

Revenue-Based Financing vs. Business Line of Credit: The 2026 Small Business Guide

RBF repays as a fixed percentage of daily revenue instead of a fixed payment. Factor rates of 1.2 to 1.5x translate to an effective APR of 40 to 200%. Here's when that trade-off still makes sense.

June 5, 2026 Read →