InnCap Blog
Insights and Recently Funded Deals
Understanding Business Loans and How to Calculate Them
Business loans are a key factor in growing and expanding your business. Understanding your monthly payments, your total interest paid and your fees, costs outside your loan payment such as closing costs, broker fees, bank fees, and early pay-off penalties can help you select not only the right interest rate but the correct overall loan terms that match your needs. Your monthly payments are influenced by the rate and terms of the loan as well.
Client Case Study: Jason Rattray, LNDRY
At Innovative Capital Corporation, our goal is to source you the right loan for your business needs. However, what does partnering with us actually look like? Jason Rattray of LNDRY speaks about his experience working with our team, and specifically Brent Arteaga-Biggs.
Our partnership with LNDRY has helped them grow their business, and maintain the same staff during the COVID-19 pandemic through diligent financial planning. Read on to learn more about LNDRY and how our partnership helped their business.
Debunking the Myth of Predatory Lending
Not all loans are predatory loans. There are multiple alternative lending resources borrowers can use that benefit both lender and borrower. However, understanding predatory lending, the warning signs, and how to avoid it when sourcing a loan can help you avoid falling prey to a predatory loan.
Employee Highlight – Andrew Williams, Commercial Loan Officer
Our team at Innovative Capital Corporation is excited to welcome our newest employee, Andrew Williams. Andrew is joining our Innovative Capital team from Axos Bank as a Commercial Loan Officer. We are excited to work alongside him and use his skills to continue sourcing the right deals for our clients. Get to know Andrew below!
Commercial Real Estate Investing: Is Now the Time?
Is now the right time to purchase a commercial real estate investment property? Real estate is a popular investment industry because of the growth potential and consistent return, especially if done strategically.
There isn’t a simple yes or no answer as to whether now is the right time to purchase. Let’s discuss elements you should consider before investing in commercial real estate.
Employee Highlight – Tim Panza, Commercial Loan Officer
In September, our team at Innovative Capital Corporation welcomed our newest addition, Tim Panza. Tim joined our team as a commercial loan officer. We know he is a valuable asset to our team with his years of commercial lending experience.
Get to know Tim below!
How Treasury Notes and Commercial Lending Rates Interact
Treasury notes, controlled by the United States Treasury Department, work in conjunction with lending rates. In fact, treasury notes themselves play a vital role in influencing commercial lending rates. Their patterns of rising and falling based on economic health display similar patterns because of their correlation to each other. Learn more about how Treasury notes influence commercial lending rates in our latest article.
Private Equity Funding vs. Venture Capital Funding vs. Debt Funding
When it comes to financing your business, there are a few different options available. Well-established companies seeking funding for growth or acquisition require a different type of financing than startups require. Depending on the company’s valuation, equity, and length of time as a business, there are different types of funding options available. Let’s dive into your different funding options: private equity funding, venture capital funding, and debt funding.