Because you need money to make money

The Lendzette

Helpful news and knowledge for small business owners.

Best Practices Business Tips February 9, 2024

How to Categorize Expenses for Small Business: 8 Strategies

Businesses with good financial planning strategies are often more successful, and it all starts with categorizing expenses. Read our blog to learn how and why your business should categorize expenses for financial planning.

Loan Advice Business Tips January 17, 2024

5 Business Expansion Loans to Grow Your Business

Are you ready to take your business to new heights but lack the financial backing to do so? Business expansion loans might be your ticket to success. Keep reading to learn more.

Best Practices Financial Preparation Business Tips January 10, 2024

How to Start a Lip Gloss Business: Get Into the Cosmetic Industry

Are you a makeup enthusiast? If so, you may be wondering how to start your own lip gloss company. Follow this comprehensive guide to begin your entrepreneurial journey.

Best Practices December 4, 2023

Podcasting for Businesses: Start a Podcast for Your Small Business

Starting a podcast for your small business can be a marketing game-changer. Keep reading to learn how you can start your own podcast and grow your small business.

Best Practices Business Tips November 14, 2023

How to Start a Candle-Making Business: Step-by-Step Guide

Discover the art of candle making and turn your passion into profit with our detailed guide. If you're ready to transform your passion into a thriving business, our step-by-step roadmap will light the way to successful market research, unique product creation, and a booming online presence.

Best Practices Business Tips November 9, 2023

Revenue Growth Formula, Calculation, and Improvement Ideas

How can you measure your company's growth and success? Enter the revenue growth formula. We dive into how you can calculate revenue growth and strategies to boost your company's performance.

Business Tips October 12, 2023

How to Start a Courier Business: Consider These Tips to Reach Success

Are you looking to become your own boss and own your own business? Consider starting a courier business. Read on to learn more about how you can get started.

Scholarship September 21, 2023

Lendza's "Better Than a Loan" Scholarship 2022 Winner: Navigating the Startup Landscape

Congratulations to our 2022 "Better Than a Loan" Scholarship winner, Finley Joseph!

Loan Advice Business Tips July 11, 2023

Consider 5 Sole Proprietorship Loans and Their Pros & Cons

Sole proprietorship loans can help solo business owners cover an array of expenses for their startups. Keep reading to find out how a sole proprietor loan can help your business.

Best Practices Business Tips February 24, 2023

What Is One Way for an Entrepreneur to Decrease Risk?

Are you a new business owner or an established entrepreneur? Do you know the risks of running a business? There is more than one risk to plan for. Keep reading to find proactive ways to decrease business risks.

Best Practices Business Tips February 14, 2023

What Must an Entrepreneur Assume When Starting a Business?

When starting a new business, there will be challenges and unexpected changes. You can prepare yourself by making assumptions about how your business will operate in practice. Keep reading for the top assumptions you should make before starting your business.

Loan Advice January 16, 2023

Minority Loans to Start a Business: A Financing Guide for Minority Business Owners

A minority loan can help you receive more equitable funding for your small business. Keep reading to learn more about the terms, conditions, and requirements of a minority loan.

Loan Advice January 2, 2023

What is a Microloan and How Does it Work

Microloans can help you fund your small business, startup, or nontraditional business which might struggle to obtain a small business loan. Keep reading to learn more about the terms, conditions, and requirements of microloans.

Loan Advice December 19, 2022

Medical Practice Loans: A Roadmap for Healthcare Professionals

Medical practice loans can help you receive funding to start or grow your medical practice. Keep reading to learn more about the terms, conditions, and requirements of a medical practice loan.

Loan Advice December 5, 2022

Get Your Franchise Loans Considering Pros & Cons of Financing Options

Franchise loans can help aspiring entrepreneurs fund their goals and bolster growth. Let's review all the options, terms, and restrictions of applying for various types of franchise funding.

Loan Advice Best Practices Business Tips November 21, 2022

Commercial Real Estate Financing

Commercial real estate (CRE) financing can help cover funding for your business while helping keep the conditions of the loan minimal. Keep reading to learn more about the terms, conditions, and requirements of a CRE Loan.

Loan Advice November 7, 2022

Commercial Construction Financing Guide for Businesses

Commercial construction loans can help you finance the construction of a new building or renovations to an existing property. Keep reading to learn more about the terms, conditions, and requirements of a commercial construction loan.

Loan Advice October 31, 2022

Small Business Acquisition Loan

A small business acquisition loan can help you receive funding to purchase a franchise or other small business. Keep reading to learn more about the terms, conditions, and requirements of a business acquisition loan.

Business Tips October 17, 2022

8 Common Types of Business Ownership

If you're looking to start your own company, here are the differences between a sole proprietorship, partnership, limited liability company, and corporation.

Business Tips July 28, 2022

Most Popular Small Business Ideas for Women

Are you looking to become your own boss? Consider these popular business ideas for women before starting your new career.

Best Practices Business Tips July 18, 2022

What is Scalability in Business, and Why Is It Important?

Scaling business operations is the goal of any growing business. If you're looking to expand your small business, here are the key steps to scale properly:

Business Tips April 25, 2022

Starting a Dog Boarding Business? Here's What You Should Know

If you have a love for animals and are looking for new business opportunities, starting a dog boarding business may be the right fit. We've outlined all the steps to starting your own dog boarding company.

Business Tips April 19, 2022

How to Be an Entrepreneur Without an Idea

Do you want to start your own business but have trouble settling on what products or services to offer? We're here to help you come up with some creative ideas for a small business.

Scholarship April 18, 2022

Announcing the ‘Better Than a Loan” 2021 Scholarship Winner

Shayna Lopatin earned our "Better Than a Loan" Scholarship by demonstrating why passion can go a long way in securing a job.

Best Practices Business Tips April 1, 2022

How to Become a Small Business Owner

Looking to get started as a small business owner? Here are the necessary first steps to get started on your entrepreneurial journey.

Best Practices March 18, 2022

How Much Does It Cost to Start a Security Company

The cost of starting a security company and what to expect.

Best Practices Business Tips February 15, 2022

How to Start a Home Staging Business

Interested in starting a home staging business? Learn more below.

Loan Advice Business Tips February 3, 2022

How to Buy an Existing Business with No Money

Don't put your entrepreneurial dreams on hold because you don't have enough money to buy a business. There are several alternative funding methods that can help you find financing to start a business.

Business Tips January 18, 2022

How to Turn an Idea Into a Product: 11 Important Steps

Do you have a new product idea that you are eager to materialize? Here are the most important steps to turn your vision into an invention.

Best Practices Business Tips December 22, 2021

What Is a Shell Company?

Shell companies act as ghost companies. They manage and hold funds for another entity. However, shell corps engage in more intricate operations, as well. There are several reasons to create a shell corporation, but it is important to be wary of the legal aspects of establishing this type of business structure.

Best Practices Business Tips December 21, 2021

What is a POS System in a Restaurant?

A point-of-sale (POS) system is a valuable tool for any successful restaurant. It helps track inventory, sales, and cash flow. A properly implemented POS system can significantly improve how a restaurant functions.

Best Practices Business Tips December 15, 2021

Key Steps for Managing Working Capital: Comprehensive Guide

A company's financial success is often measured by its working capital. Therefore, it is important to understand what this metric is and how it can successfully be managed.

Best Practices Business Tips December 8, 2021

What Is Direct-to-Consumer Marketing Retail?

Direct-to-Consumer marketing puts the manufacturing and selling power in the company's hands. Consider the advantages and disadvantages of D2C marketing before implementing this end-to-end strategy.

Best Practices December 6, 2021

Relative Strength Strategies for Investing

Stock market investors aim to maximize the return on their assets. As a result, they utilize different strategies to track fluctuations in the market and identify investment opportunities. Relative strength is a popular approach to investing. Before adopting this method, consider the advantages and disadvantages this investment strategy offers.

Best Practices Business Tips November 22, 2021

How to Support Small Businesses

Many small businesses took a hit during the height of the pandemic. Several even permanently closed their doors. However, with the easing of travel restrictions and lockdowns, many small businesses are starting to recover. There are several ways to support small businesses during this time.

Best Practices Business Tips November 16, 2021

How to Sell Your Small Business without Using a Broker: Pros & Cons

Some small business owners choose to sell their companies with the help of a broker. While this has many advantages, it is still possible to sell a small business without one. Consider the benefits and disadvantages of not using a broker before opting out.

Best Practices Business Tips November 10, 2021

Are Radio Ads Effective?

We look at how radio advertising works for small businesses, and when and why it doesn't work.

Business Tips November 3, 2021

How to Save a Failing Business?

In business, you don’t need a compass to know north from south. It’s easy to tell when your company is failing. Figuring out how to turn it around, though, can be a lot more complicated. Here’s how to get started.

Financial Preparation November 2, 2021

What to Know Before Asking Someone to Cosign on Your Small Business Loan

Learn about the risks a cosigner takes when helping you find funding.

Best Practices Business Tips October 20, 2021

How to Start a Winery Business: 5 Business Ideas Included

Follow the steps in this article to budget and open your wine business.

Loan Advice Business Tips October 7, 2021

Get a Loan to Buy a Business: Consider These 6 Financing Options

Starting your own business may be risky, challenging, and time-consuming. That’s why many opt to buy a company that is already established. There are many options, such as an SBA loan or a business line of credit, that may help finance the purchase of an existing business.

Best Practices Business Tips October 5, 2021

How to Legally Protect a Business Idea: 5 Essential Considerations

There are many ways to protect a business idea from infringement. For example, it is possible to copyright, patent, or trademark a business idea to legally secure it from theft. This article looks at five essential steps that outline how to protect a business idea.

Financial Preparation September 24, 2021

Debt-Service Coverage Ratio Calculator for Small Businesses

Estimate the likelihood that you'll be approved for a loan by using our business capital eligibility estimator.

Business Tips September 15, 2021

Should My Business Offer Free Shipping?

We look at the pros and cons of shipping products to your customers at no charge, including ways to offer it, how to make it profitable, and how to calculate a price threshold to activate the perk.

Best Practices Financial Preparation Business Tips September 6, 2021

27 Business Ideas for Teens

How do you start a business as a young adult? Here are a few ideas to give you some inspiration.

Business Tips August 23, 2021

How to Start a Pressure Washing Business

The pressure washing industry has a relatively high profit margin and low startup costs, and the skills are not too difficult to master. It’s also fun to work outside the office, but like any other business, there are many things you need to consider to implement your startup business ideas before you start a power washing business.

Business Tips August 23, 2021

Top Small Town Business Ideas for a Better Community

Which small-town businesses are most likely to thrive?

Best Practices August 17, 2021

Four Character Traits of Successful Small Business Owners

Here are some of the best character traits to develop in business and how they can help you succeed.

Best Practices Business Tips August 10, 2021

How to Start Your Own Fitness or Athletic Clothing Line

How do you start your own unique and successful clothing line?

Best Practices Business Tips August 4, 2021

How to Start a Landscaping Business

Consider our detailed guide on starting a landscaping even with no money. Learn how much it will cost and start running your own landscaping business.

Industry Watch July 28, 2021

Average US Credit Card Debt Statistics

Average American debt continues to increase in most categories, but that doesn’t include credit card debt. We look at the stats to see who is most affected by this type of borrowing, including states with the most credit cards per person, number of credit cards by age, and average interest rates.

Business Tips July 9, 2021

Things to Consider Before Moving Your Business to Another State

Some states have lower taxes, more funding resources, a higher density of talent, and other perks for small business owners.

Loan Advice Best Practices July 2, 2021

BlueVine Review 2023: Small Business Loans

We dig into BlueVine's invoice factoring and freight factoring service to see if it's a good solution for business funding.

Industry Watch June 30, 2021

Living in a Cashless Economy

We may be heading toward a cashless economy. Our blog looks at the economic implications of a cashless society.

Loan Advice June 24, 2021

Guide to Getting Loans for Nonprofit Organizations

Learn more about loans for nonprofit organizations and the alternatives. Find financing options, steps to get a loan, and tips on how to use the funding.

Loan Advice June 23, 2021

Commercial Vehicle Loans for Small Businesses

Whether you’re buying or leasing automobiles for your company, there are important steps you should take. Here’s what you should know about outfitting your business with a new fleet.

June 14, 2021

Stress Management Tips for Business Owners

It’s not unusual to feel stress at work, but how you manage it could impact your potential for success. Here are tips for how to feel happy and safe at work.

Scholarship June 7, 2021

Announcing the 'Better Than a Loan' 2020 Scholarship Winner

Mason Phillips wrestled over the competition with his thoughts on accepting investment money when it means losing creative control.

Best Practices Success Stories Business Tips June 3, 2021

Attract More Customers to Your Business with These 7 Strategies

Want to up your customer acquisition efforts? Keep reading to learn the strategies to attract more customers to your business.

Financial Preparation May 12, 2021

6 Tips for Improving Your Business Credit Score

Are you thinking of launching a business? Or do you want to expand your product line, upgrade your technical capabilities, or beef up your advertising? If any of that requires financing, then your first step should probably be improving your credit score.

Best Practices Business Tips May 7, 2021

How to Build and Maintain Brand Loyalty

Return customers are essential for high ROI. Learn how to keep your shoppers coming back again and again with our tips on how to grow customer loyalty.

Best Practices April 27, 2021

How Can People Who Recovered from Addiction Find a New Job?

Find help and get back to full employment after addiction recovery.

Best Practices Financial Preparation April 22, 2021

How to Prevent and Prepare Your Office for Natural Disasters

Natural disasters are unpredictable and can be anywhere from minor to life-threatening. Preparing your workspace for a disaster is of the utmost importance.

March 25, 2021

5 Benefits of Being an Independent Contractor

Many in today's workforce rely on short-term gigs to pay the bills. While they may prefer a job with healthcare, there are benefits involved with working for oneself. Is it the right choice for you?

Business Tips March 24, 2021

Crisis Management Plan

Being able to rebound after a catastrophe is a skill that's earned through hard work and preparation. A big part of that is implementing a crisis management plan. Learn how below.

Business Tips February 26, 2021

How to Start an eCommerce Business: 5 Tips to Run Successfully

The digital landscape is booming, especially when it comes to how consumers prefer to shop. If you're looking to start an e-commerce business, we'll help you get it off the ground so you can hit the ground running.

January 20, 2021

Social Media Marketing for Small Businesses

Navigating the vast world of social media can be an intimidating venture for the uninitiated small business. Read our guide for tips on how to get started with your first Facebook, Instagram, LinkedIn, and Twitter campaigns.

Loan Advice January 18, 2021

The Complete Guide to Restaurant Financing and Loans

How do you keep your business afloat? Specifically, a restaurant? Here, we give you a breakdown of what it takes to build a restaurant and how to sustain it over time. 25% of restaurants fail within their first year of opening, so learning the foundation of the industry is what will keep help you stay in the game long-term.

Best Practices January 11, 2021

Choosing the Right Money Transfer App for Your Small Business

We review five of the most popular credit card processing services for receiving money through your mobile device.

Loan Advice Financial Preparation Business Tips December 29, 2020

Commercial Business Loans Tailored to Your Needs

Starting a new business can be challenging in many ways, especially financially. Find the best business loans that fit your financial needs.

Financial Preparation November 30, 2020

Emergency Small Business Loans: How to Speed Up the Approval Process

Whether you’re applying for an SBA loan, merchant cash advance, or another business financing product, find out what you can do to try to get the loan faster.

Best Practices November 18, 2020

How to Keep a High Business Credit Score

Before you take another step to grow your company, make sure you are putting your best foot forward. Learn how to get started with business credit and maintain a high credit score.

Best Practices Financial Preparation November 17, 2020

How to Find the Best Savings Account

Finding a savings account that fits with your company takes careful consideration. See the steps you should take to find a solution for your company.

Best Practices November 16, 2020

Best Small Business Credit Cards

We help you figure out which type of company credit card will offer the top perks to your small business.

Business Tips July 13, 2020

Cash Flow Management and COVID-19: 4 Tips for Construction Businesses

Find out how contractors can manage construction cash flow during a pandemic.

Business Tips June 12, 2020

How to Implement Your Startup Business Ideas

Some of the biggest ideas come from small businesses. Here is how to make your vision a reality.

Scholarship June 5, 2020

Announcing the “Better Than a Loan” 2019 Scholarship Winner

Claudia Applewhite impressed us with her well-constructed ideas about the importance of creating effective training programs in the workplace.

Lendzette Features June 27, 2019

Banks Hate Young Entrepreneurs

Lenders make it very hard to jump into owning your own business. Yet, anyone can get a student loan. Here’s why.

Business Tips June 5, 2019

Accounts Receivable Management: 3 Smart Ways to Handle A/R in Construction

It's not uncommon to have to wait out a gap in cash flow when working in construction. That's what makes accounts receivable management so important.

Scholarship February 26, 2019

Announcing the “Better Than a Loan” 2018 Scholarship Winner

Kyler Tipton won with a well-crafted essay on the importance of efficiency in the workplace.

Business Tips September 24, 2018

Are Fake Reviews Illegal?

What to know before you risk creating or buying reviews for Yelp, Google My Business, Amazon, TrustPilot, and your website’s testimonial section.

May 30, 2018

Announcing Our Partnership with Seek Capital for Startup Business Funding

To better serve startup businesses that use our funding request form, we are now working with Seek Capital.

Scholarship February 26, 2018

Announcing the “Better Than A Loan” 2017 Scholarship Winner

John Ramey hit it out of the park with his essay on how a small business can compete against a major chain.

Loan Advice May 2, 2017

High-Risk Business Loans – What to Expect and Watch Out For

When you need working capital, but can't qualify for bank funding, here are some things you should know about alternative cash for your company.

Scholarship February 27, 2017

Announcing the “Better Than A Loan” 2016 Scholarship Winner

Paulina Hervas impressed us with her idea for an app that lets you book a place for a nap.

Smart Savings December 1, 2016

Where to Find Business Cards for Less

We help you save on on cards from VistaPrint, OverNightPrints, and more.

Standard Paid Holidays November 17, 2016

Best Tips for Small Businesses Launching Black Friday Deals

Want some inspiration? Here's what the competition is listing in their Black Friday print ads. Learn from the experts at Staples, Office Depot, Best Buy, Dell, and

Scam Watch November 2, 2016

Avoid These Types of Business Loan Scams

When searching for funding for your business, you can face small business loan scams. We introduce you to effective tips to avoid this unpleasant situation.

Financial Preparation October 20, 2016

Unconventional Business Loans

Here are some unconventional business loan types for funding your business. Find useful tips, as well as out-of-the-box ideas that may be worth your consideration.

Lendzette Features September 27, 2016

Our Interview with Matthew Lesko on How to Get “Free Money” for Your Small Business

The Question Mark Guy offers insights for entrepreneurs looking for government grants, local funding, and other cash sources that you don’t need to pay back.

Loan Advice August 23, 2016

Can You Prequalify for a Small Business Loan?

Find out ways to increase your chances of being pre-approved for online business financing.

Loan Advice Best Practices Financial Preparation August 5, 2016

Small Business Loans for Women

We look at some of the loan options geared toward women who are looking for small business funding.

Loan Advice July 22, 2016

Small Business Loans in North Carolina

What you need to know when looking for small business loans in North Carolina. We look at our favorite lenders in cities like Charlotte, Raliegh, and Asheville.

Best Practices May 27, 2016

How Secure Are Your Office Computers?

We offer eight tips to help you stay better prepared against the world’s worst cyber-criminals.

Best Practices March 25, 2016

10 Ways to Spend Less on Office Supplies

We’ll show you smart ways to cut costs on business essentials, like electronics, printer ink, furniture, office supplies, and more.

Best Practices Financial Preparation Scam Watch January 11, 2016

The Ultimate Guide for Filling Small Business Taxes as an Owner

Everything you need to know about hiring someone to do your small business taxes or doing them yourself.