<img src="//trc.taboola.com/1208170/log/3/unip?en=page_view" width="0" height="0" style="display:none">
Skip to the main content.

Smarter Finance USA Blog

Smarter Finance USA Educational Resources

Educational articles on business financing that get you what you really need. Sign up today.

2 min read

3D Printer Financing

3D printing is a big industry.

The market for 3D printing worldwide was $13.84 billion in 2021 and is expected to grow at 20% annually through 2030.

If you’ve considered a 3D printing solution for your business, you probably want some specifics.


Read More
2021 Section 179 Limits (+Bonus Depreciation) – How Much Can You Save

3 min read

2022 Section 179 Limits (+Bonus Depreciation) – How Much Can You Save?

Did you buy equipment for your business in 2022?

Did you know you may be able to write the entire purchase off immediately? (There’s still time before the end of the year… but many assets are hard to get your hands on right now. Don’t snooze or you might...

Read More

3 min read

5 Critical Factors to Renegotiating Payables with Suppliers

Doing business in a pandemic...

… really sucks for (most) businesses.

In 2020, almost every business’ plans changed.

Maybe you went from growing your business to just trying to figure out how to stay in business.

(You wouldn’t exactly be alone…)

So… how...

Read More

3 min read

Can You Finance or Lease Social Distancing Equipment?


Have you been to a store lately?

… you may notice things have changed.

Plexiglass sneeze shields, dividers to make sure we don’t touch each other… etc.

Soon, most businesses will have to retrofit their workplaces.

Here’s the thing –

Your business has...

Read More

7 min read

An Honest Review of One of the Best Truck Factoring Companies

I receive several calls per week from truckers that are trying to make the decision of whether to become an owner operator or not.

Most of the time, they are wondering if they will have enough not only for a down payment on a truck, but also needing to ...

Read More
5 Problems With MCA Reverse Consolidation Loans

4 min read

5 Problems With MCA Reverse Consolidation Loans

We talk to lots of business owners in trouble with merchant cash advances.

Did you know…

…so many small businesses have cash advances…

…these “MCA” companies are running out of people to sell a merchant advance to?

Pretty scary, right?

So… these “working...

Read More

3 min read

Construction Equipment Financing: How it Actually Works

Do you need to finance construction equipment for your business?

There’s a lot of goober-y stuff out there on the web that says nothing…

…and some utter nonsense…

…but not much knock-down, drag-out, honest-to-god truth.

Want the real dirt info on how...

Read More

4 min read

Equipment Leases with Quarterly Payments: Don’t Get Flim-Flammed


Today we’re going to talk about a scam.


I mean it.

Totally bogus shenanigans

Well, on rare occasions…  not 100% bogus…

…but be really careful…

Note: You may read this article or you may listen to it. 

You can find links to download the audio to...

Read More

5 min read

Should You use Direct Lenders for Equipment Leasing and Financing?



You may read this article... or if you prefer you may listen to it. 

You may listen by clicking in the box below... or on iTunes, Google Play, and Stitcher (just search for the "Smarter Business Finance Podcast")

Are you looking for equipment...

Read More

3 min read

Small Business Debt Relief (5 Ways to Get Your Life Back)



You’re running a successful business…

…there should be plenty of profit left over (for you to, like live on)…

…but somehow…

…loan payments are eating away all the profit.

(Sound familiar?)

Here are a few ways your small business can get out of debt:

Read More

2 min read

Office Equipment Leasing: Should You Finance Business Equipment?


Decking out an office…

… it’s amazing how fast it all adds up.

(Even if you’re buying “cheap” furniture…)


Should you pay cash?

Or… should you lease and/or finance equipment?

Check this out…

Read More

4 min read

Subprime Equipment Financing: How High are the Rates?


What do you do…

…if you need to finance equipment…

…but your credit is so bad it hurts a lender’s eyes?

Did you know…

… there are programs you can access for subprime truck leasing?

(And other types of equipment too…)

But… a warning…

You really, *...

Read More

3 min read

5 Crucial Steps to Finding the Best Equipment Financing Company


Have you Googled around for equipment financing?

Seen any jokers proclaiming themselves to be the “#1 Best Equipment Financing Company?”

Who proclaimed them that?

Was there a vote?

Already seems like a company to avoid, doesn’t it?

Let’s talk about how...

Read More

5 min read

First Time Commercial Truck Financing: (5 Best Programs)



You’re trying to finance a commercial truck as a first time buyer. 

It’s a bitch, right?


Finding the information you need to make a decision online?

Good luck with that.

I know what you’re thinking too…

“Are these guys going to screw me on the...

Read More

3 min read

The Truth about Boom and Bucket Truck Financing



What’s the difference between…

… a lying scumbag finance company…

…and a bucket of spit?

That’s right…

The bucket.

Funny, right?

Wanna know what’s not so funny?

Lying to you about the rates.


Check this out…

Special Note: If you're in a...

Read More

2 min read

Concrete Mixer Truck Financing: Rates, Payments and How to Qualify



Looking online for how to finance a concrete or cement truck?


I know where you’ve been...

Almost like you’ve gotta take a shower now, right?

Ready for the truth yet?

Let’s show you some info you can actually use….

Read More

4 min read

Used Truck and Trailer Financing: Rates with Good Credit



Time to get another truck (or trailer).

Do you want to buy new…

Or just new to you?

It depends, right?

If you’re financing, will buying used mean higher rates?


Check this out…

Read More

3 min read

Business Bankruptcy Vs. Corporate Debt Restructuring: Which Is Better?



Do you need help getting out of business debt?

Maybe you should file for bankruptcy.

…then again…

…maybe that’s not such a hot idea, right?

Is it better to hire a company to restructure your business debt?

Here’s the deal:

If your business is...

Read More

10 min read

The Best Small Business Loans for Bad Credit



You need business financing…


…your credit ain’t the best…

You’ve scoured the internet for information…


Finding real info about business loans for bad credit on the internet…

Yeah… it’s like digging for buried treasure.



Read More

10 min read

How To Finance a Construction or Contracting Business [New Podcast]


Welcome to episode #6 of the Smarter Business Finance Podcast.

To see all episodes,  visit the main podcast page

You may find this podcast on your phone by going to iTunes, Google Play, or Stitcher and searching for "Smarter Business Finance."


Read More

2 min read

What is Interim Rent on an Equipment Lease?



So, you’re in the middle of leasing equipment for your business.

And, looking at the paperwork, you notice an “extra” amount that you have to pay.

What is this “interim rent” charge?

Many of our customers wonder if it’s just a way to squeeze extra...

Read More

6 min read

5 Ways to Get Out of a Merchant Cash Advance and Toxic Business Loans


Have you taken a merchant cash advance?

(or 4?)

We occasionally help customers access this type of business financing, but we’re much more likely to talk you out of a merchant cash advance than to sell you on the idea.

The thing is…

… when you learn...

Read More