SGF Insights
Business Financing & Capital Structure
Educational resources for business owners navigating SBA loans, commercial real estate, equipment financing, and working capital.
Tools
How to Use a Business Loan Calculator (And What the Numbers Actually Mean)
A business loan calculator shows you monthly payment estimates in seconds — but the inputs you feed it determine whether the output is useful or misleading. Here is how to use one correctly.
April 19, 2026Read Article →ToolsThe FICA Tip Credit: What Restaurant Owners Leave on the Table
The FICA tip credit allows qualifying restaurants and food service businesses to offset payroll taxes on employee tip income. Most operators who qualify are not fully utilizing it.
March 22, 2026Read Article →