Skip to content
AWGInsights

Thinking from the credit side of the table.

Perspective on the decisions behind the financing.

6 articles

Original AWG illustration of a credit memo marked Declined on a dark green background.

Financing decisions

Why good businesses still get declined

Understand why a profitable business can be declined—and what the financing request may need to change.

AWG typographic artwork with cream Cash and Flow lettering on black and a small Refinance label.

Business debt refinancing

SBA 7(a) refinancing: More room in your cash flow?

See whether lower monthly debt payments justify the fees, repayment changes and remaining balance.

Original AWG artwork showing a commercial building with Buy and Lease signs.

Business property

Commercial real estate: Buy or lease?

Compare rent, cash retained and long-term ownership before buying the property your business uses.

AWG illustration of an operating commercial building with 7(a) and 504 set in Mencken on its two fascia signs.

Business property

SBA real estate loan rates: 7(a) vs. 504

Compare 7(a) and 504 rates, cash contributions and repayment structures for business property.

AWG typographic artwork on sunflower: Approved and Closed are separated by a not-equal symbol, showing that approval and closing are different milestones.

Financing decisions

SBA loan timeline: How long does it take?

Plan from term sheet to closing, with practical timelines for each financing purpose.

Black-and-white AWG illustration of a business owner handing a key to a buyer inside an operating workshop, with the words New owner.

Business acquisitions

Loan to buy a business: SBA acquisition financing

Assess buyer cash, seller notes and business earnings before committing to an acquisition.

AWGStart here

Before the decision is fixed,
know how credit will read it.

Request financingExplore financing