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Continue reading →: Debt Settlement Companies: Where the Money GoesThe biggest debt settlement companies are private, profitable, and paid on the balance you enroll, not the money you save. I run a small Google Ads campaign in small business lending, so I know what a click costs in consumer finance. Debt relief keywords, meanwhile, sit a tier above that.…
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Continue reading →: How to Name a Business Without Overthinking ItA business name has to be memorable, sayable, and legally usable, and the requirements pretty much stop there. I named my last company PetInsuranceQuotes.com, which is either the least imaginative name in insurtech or the most honest one. Petco bought it anyway. That’s worth remembering while you stare at a…
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Continue reading →: Business Loan APR’s: How to Compare Any OfferEvery lender quotes cost differently, and only one number puts them on the same scale. Learn how to compare loan offers and borrowing costs apples-to-apples. Every working capital offer I have seen as an operator leads with a number engineered to sound small. A 1.25. An 8 percent fee. A…
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Continue reading →: FICO Score Ranges 2026: What Lenders Really Look AtYour personal FICO score still sets your business borrowing terms, and two of the rules governing it changed this year. Every business line of credit I have signed for came with a personal guarantee attached. The bank was underwriting me, not the company, so my personal credit file set the…
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Continue reading →: What Happens to a Business When the Owner Dies (2026)The estate tax is rarely the thing that kills a closely held company. The buy-sell agreement nobody updated usually gets there first. More than half of U.S. small-business owners are now over age 55, up roughly 30% since the early 2000s, and one in four is 65 or older. McKinsey…
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Continue reading →: Strategic vs. Financial Buyer: A 2026 Founder’s GuideThe highest-stakes call in a sale is not the price, it is which kind of buyer you hand the keys to. The first time I watched a founder take the lower offer, the gap was eleven million dollars and the reason was one line in the LOI about who kept…
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Continue reading →: Business Formation Statistics 2026: The Boom Is RealThe record volume of new business filings is not thin. The old definition of “substance” simply stopped matching how companies actually scale. In my experience as a small business owner, an EIN still takes an afternoon. Building something that lasts takes years. The gap between those two things is real,…
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Continue reading →: LLC vs C-Corp at Exit: The 2026 Asset Sale Tax MathThe structure of your exit moves more after-tax dollars than the multiple does, and your entity type decides who wins that fight. Sell a $5 million business with almost no tax basis and the entity type on your operating agreement can be worth $800k. As an LLC, the owner keeps…