SGF Insights
Business Financing & Capital Structure
Educational resources for business owners navigating SBA loans, commercial real estate, equipment financing, and working capital.
SBA Loans for Restaurant Purchases & Buildouts
Buying a restaurant or funding a buildout costs more than a merchant cash advance can cover. Here's how SBA 7(a) and 504 financing works for it.
September 1, 2026Read Article →ProgramsSBA Grocery Guarantee vs. Standard SBA 7(a) Loans
90% guarantee vs. 75%. Same SBA, different math. Compare the Grocery Guarantee to standard 7(a) to see which one actually fits your food business.
September 1, 2026Read Article →ProgramsSBA Grocery Guarantee Loan: Requirements & Eligibility
The 90% SBA Grocery Guarantee has a real approval bar. Here's the credit, collateral, and documentation grocers and food suppliers need to qualify.
September 1, 2026Read Article →ProgramsSBA Loans: Richardson & N. Texas
A local broker's view of SBA financing in Richardson and North Texas: what actually closes, realistic timelines, and where DFW deals stall.
August 31, 2026Read Article →ProgramsSBA Loan Eligibility Requirements
The eligibility factors that actually move an SBA underwriting decision, beyond the generic checklist: credit, cash flow, and industry risk.
August 31, 2026Read Article →ProgramsSBA 7(a) vs. 504 for Gas Stations
When a gas station's land and canopy justify a 504's fixed-rate real estate financing versus a 7(a)'s working-capital-blended structure.
August 31, 2026Read Article →ProgramsSBA 7(a) for Texas Gas Stations
How SBA 7(a) financing works for buying a Texas gas station or convenience store, from eligibility through underwriting to close.
August 31, 2026Read Article →ProgramsSBA Environmental Assessment
What a Phase I environmental assessment costs, how long it adds to your SBA timeline, and how to finance tank remediation on a gas station purchase.
August 31, 2026Read Article →ProgramsSBA vs. Conventional Loans
SBA vs. conventional business loans compared on rate, term, down payment, speed, and guarantees — and a simple framework for choosing.
July 18, 2026Read Article →ProgramsSBA Loan Requirements for 2026
What SBA lenders actually require in 2026 — credit, equity injection, ownership rules, and the SOP 50 10 8 changes that reshaped underwriting.
July 18, 2026Read Article →ProgramsSBA Made in America Loan Guide
SBA Made in America loans give manufacturers a 90% guarantee and waived fees through Sept 30, 2026. Who qualifies and how to file before the deadline.
May 8, 2026Read Article →ProgramsSBA Grocery Guarantee Loan
The SBA Grocery Guarantee backs food supply chain loans up to $5M at 90%. See who qualifies — farmers to truckers — and how to apply before funds move.
May 8, 2026Read Article →ProgramsMCA Factor Rate vs. Interest Rate
Factor rates hide the true cost of an MCA. Learn how to convert a factor rate to real APR and compare it honestly against loan interest.
April 19, 2026Read Article →ToolsHow to Use a Business Loan Calculator
Get accurate payment estimates from a business loan calculator — the right inputs, what the output misses, and how lenders read the same numbers.
April 19, 2026Read Article →IndustriesWorking Capital for Restaurants
Rising food costs and seasonal gaps squeeze restaurant cash flow. How to structure the right working capital financing before the pressure hits.
March 28, 2026Read Article →ProgramsTerm Loans for Small Businesses
How business term loans are structured, what lenders require, and how to position your file for a clean approval instead of a decline.
March 23, 2026Read Article →ProgramsStartup Financing Guide
What startup financing really costs, which programs fund businesses under 2 years old, and how lenders evaluate early-stage borrowers.
March 23, 2026Read Article →ProgramsReal Estate Investor Financing
Fix-and-flip, DSCR rental, and bridge loans compared — how each is structured and how investors get deals funded on deal timelines.
March 23, 2026Read Article →IndustriesHealthcare Equipment Financing
Equipment loans, working capital, and SBA programs for medical practices — how to acquire what you need without straining thin margins.
March 23, 2026Read Article →ProgramsFranchise Financing Guide
How lenders evaluate franchise deals, which SBA and conventional programs apply, and how to get funded before the doors open.
March 23, 2026Read Article →EducationBanks vs. Alternative Financing
Why banks decline good businesses, what alternative lenders offer instead, and how to choose before pressure forces an expensive decision.
March 23, 2026Read Article →IndustriesRestaurant Cash Flow Financing
How restaurant operators structure financing around tight margins, high fixed costs, and seasonal swings — and stay solvent while growing.
March 22, 2026Read Article →ProgramsFix and Flip Financing Guide
Fix-and-flip loans are underwritten on the deal, not the borrower. How lenders evaluate ARV, draws, and exits — and how to get funded.
March 22, 2026Read Article →ToolsFICA Tip Credit Guide
Most qualifying restaurants leave FICA tip credit money unclaimed. How the §45B credit works, who qualifies, and how much you can recover.
March 22, 2026Read Article →ProgramsEquipment Financing Strategy
How equipment financing preserves working capital, which structures fit your business, and what lenders look for before approving.
March 22, 2026Read Article →IndustriesContractor Financing Between Jobs
Long payment cycles drain contractor cash flow. How experienced construction firms structure financing to keep projects moving and grow.
March 22, 2026Read Article →ProgramsLines of Credit vs. Term Loans
Lines of credit and term loans solve different problems. The structural difference — and a simple test for which one fits your business.
March 22, 2026Read Article →ProgramsMerchant Cash Advances: True Cost
Merchant cash advances offer fast capital, but the true cost is often misunderstood. Here's what business owners need to evaluate before signing.
March 16, 2026Read Article →ProgramsSBA Loan Approval: A Step-by-Step Guide
The SBA approval process step by step — documentation, underwriting, and how to position your file so lenders say yes the first time.
March 16, 2026Read Article →ProgramsAsset-Based Lending vs Factoring
Asset-based lending and factoring both unlock cash from receivables — but cost, control, and structure differ. Which one fits your business?
November 12, 2024Read Article →