“It created a bottleneck that is restricting the flow of capital to small businesses. We’ve had quite a few clients affected by the new rules, and it’s clear that the application process has become slower and more cumbersome.”

“It’s crucial to consider any payments that don’t come in the form of cash at the closing table as a bonus. While the note or the equity may seem enticing, it’s important to remember that there is no guarantee the payment will ever come.”

“There are three key questions to ask: Who is your likely buyer? Does the expected valuation make sense for you? And how do you create the right support team to help you?”

“I recently advised a friend in the party and event business. Her business is historically slow in the first quarter. She has a great fear of debt, and although she has a line of credit, she has always been hesitant to tap it. As a result, she has had many sleepless nights.”

“Everything feels different. The bad stuff I used to eat no longer looks appetizing. When I feel tired, instead of hitting Starbucks, I make sure to get more sleep. And I can’t believe I am saying this, but I am starting to look forward to exercising.”

“At MultiFunding, we recently learned that one of our primary SBA lenders, a community bank in California that we have worked with for more than five years, has tightened up its credit terms. What does this all mean? “

“I generally suggest that the amount should be for about 10 percent of your top-line sales, 85 percent of accounts receivable, or 50 percent of inventory, whichever is greater.”