Access to Capital
Financial statements before a business loan: checklist
Checklist of statements and data to prepare a clearer loan request.
ALOS Insights
Insights to help your business access capital
Practical guidance for navigating financing, growth and lender expectations.
Financing Solutions
The monthly financial review every business owner needs
Monthly agenda and scorecard: margins, cash, debt and decisions worth reviewing.
SMB Challenges
7 financial mistakes that keep growing businesses short of cash
Seven financial mistakes that leave growing businesses short of cash — and how to fix them.
Financing Solutions
13-week cash flow forecast for small businesses
Build and update a 13-week cash forecast with a practical weekly template.
SMB Challenges
7 balance-sheet warning signs for small businesses
Seven balance-sheet warning signs: receivables, inventory, debt and liquidity.
Access to Capital
How to read a balance sheet in 15 minutes
Read a balance sheet in plain English: assets, liabilities, equity and useful ratios.
SMB Challenges
Profitable but running out of cash?
Why a profitable business can still run out of cash — and what to check in the statements.
Access to Capital
Business acquisition financing: structure the purchase
Structure a business purchase: bank debt, equity and seller financing.
Financing Solutions
How to refinance business debt: compare total cost and risk
Compare total cost, rates and risk when refinancing business debt.
Financing Solutions
Purchase order and contract financing
How to finance an awarded order or contract: operating lines, PO finance and factoring.
Financing Solutions
Empréstimos CSBFP: elegibilidade, limites e custos
Elegibilidade, limites, custos e como solicitar um empréstimo do CSBFP.
Financing Solutions
Working capital loan vs. line of credit
Compare a working capital loan and line of credit: borrowing base, repayment, cost and cash-flow fit.
Access to Capital
Best collateral for a business loan
Compare eight collateral types and how each can affect business borrowing costs.
Access to Capital
SME market: business counts, debt and what lenders miss
Official data on SMEs, debt requests and what the numbers do not show lenders.
Financing Solutions
5 overlooked ways to get better financing terms
Refinance, use collateral carefully, match repayment to cash flow, and compare lenders.
SMB Challenges
7 reasons business loans are declined
Understand the gaps that slow approvals and how to address them before you apply again.
Access to Capital
9 financing options for SMBs
Compare lines of credit, term loans, CSBFP, equipment, receivables and more.
Access to Capital
Business loan collateral: use your assets to seek better terms
How property, equipment and receivables can change an offer — without pledging too much.
Financing Solutions
Credit for mid-sized companies in Brazil: how to choose the facility and the lender
A practical roadmap to fund growth without losing sight of term, total cost and cash flow.