Top 5 Commercial Finance Products for Small and Mid-Market Businesses

Access to the right financial tools can significantly propel your company forward, whether you're looking to expand, innovate, or simply manage day-to-day operations more efficiently. As a commercial finance firm, built by entrepreneurs for entrepreneurs, we understand the complexities and challenges that small to mid-market business owners face. Therefore, I've compiled a detailed overview of the top five commercial finance products that can help leverage your business growth, expansion, or asset acquisition.

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UnBanker Editorial Desk
Business Expansion Through Mergers and Acquisitions

Since we began, The UnBankers have stood as catalysts for transformation, guiding numerous enterprises through the intricate dance of mergers and acquisitions (M&A). Over the years, we’ve navigated the complexities of the market, orchestrating strategic partnerships that have propelled businesses to success. Each journey has been a testament to strategic foresight, meticulous planning, and the relentless pursuit of growth. Through these experiences, we’ve gleaned invaluable insights into the art and science of M&A, insights that have not only refined our approach but have also illuminated the path for others seeking growth through acquisition.

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UnBanker Editorial Desk
Navigating the Waters of Commercial Finance

Entrepreneurs are a unique breed; visionaries who can see potential where others see challenges. If you've nurtured your business through its infancy—surviving and thriving for 2-3 years—you're likely at a crossroads, ready for growth but unsure of the path forward. The commercial finance landscape, with its myriad opportunities and pitfalls, is your next frontier.

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UnBanker Editorial Desk
To Fund or Not To Fund?

2023 marked a notable downturn in global startup funding, reaching $285 billion—representing a 38% decline from the $462 billion recorded in 2022. This trend spanned all funding stages, with early-stage funding down by more than 40%, late-stage by 37%, and seed funding seeing a drop of just over 30% compared to the previous year.

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Think Like There Is No Box

"It's how we've always done it" has become synonymous with a fear of innovation, and businesses are quickly learning that stagnation is the antithesis of growth. The contemporary corporate landscape demands adaptability, a quality that's becoming increasingly crucial as companies face new challenges and venture into uncharted territories.

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UnBanker Editorial Desk
Escaping the Zombie Walk

It’s all too easy to fall into a monotonous stride, navigating through the myriad tasks that fill each day in today’s business world. From managing operations, staff, and shipments to balancing accounts receivable and payable, and ensuring payroll is met - the list is seemingly endless. Amidst this whirlwind of activity, the vital practice of strategic planning for the future often falls by the wayside. If you find yourself merely surviving the day-to-day without a thought for the next 12, 18, or 24 months, you may very well be walking through your business like a zombie.

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UnBanker Editorial Desk
Lenders Know More Than You Think

Imagine stepping into a room where everyone knows your name, and not because you're particularly famous, but because they've all read the same dossier about you. That's right, they've seen your financials, they've read your history, they're practically watching you through financial binoculars. The key takeaway? If you're sending your financial love letters to every lender in town, don't be surprised if they're less than thrilled. They're looking for commitment, not a financial flirtation.

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UnBanker Editorial Desk
Canadian Business: Building the Staircase to the Next Level

In a world that's constantly shifting beneath our feet, Canadian Small and Medium Enterprises (SMEs) stand as a testament to resilience and innovation. Faced with a barrage of global economic challenges, these businesses aren't just surviving; they're thriving, pushing boundaries, and redefining what it means to be adaptable and creative. This isn't just a story of survival; it's a narrative of triumph over adversity.

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UnBanker Editorial Desk
The Achilles' Heel of Commercial Loans: Being Unprepared

Let's face it: in the fast lane of small to mid-market business, slowing down feels like a sin. We're all guilty of pushing the pedal to the metal, zooming through our to-do lists at 100 miles an hour, 24/7. But here's the kicker: when it comes to securing a commercial loan, speed without preparation is akin to entering a drag race with a peddle-car. You're just not equipped to win.

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Anthony De Almeida
The Strategic Advantage of Managing Commercial Debt

In the changing landscape of business, growth and expansion are often at the forefront of a company’s strategy. As businesses ready themselves to leap into new ventures or scale existing operations, the importance of effectively managing commercial debt becomes paramount. At The UnBankers, we understand that responsibly handling commercial debt is more than just a financial obligation; it’s a strategic tool that can significantly enhance your business’s credit rating and reputation.

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UnBanker Editorial Desk
Seven Virtues of Leadership

In the sophisticated world of commercial finance, the distinction between a leader and a boss is more than mere semantics. The impact they carry resonates through the hallways of our offices all the way to the final digits on a client's offer letter. At The UnBankers, where every transaction is a narrative of Trust, Experience, and Speed, understanding this distinction is a necessity.

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UnBanker Editorial Desk