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Smarter Finance USA Blog

Rob Misheloff

As a husband and father, the best example I can set in the world is by helping others. That’s why I’ve built my career around helping my fellow business owners grow their companies. My hope is that this website and my company help you to grow your business and achieve your goals.
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Recent Posts

5 Crucial Steps to Finding the Best Equipment Financing Company (for You)

Posted by Rob Misheloff


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 to find the best equipment financing company…

…for you.

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Topics: Leasing

First Time Commercial Truck Financing 2020: (5 Best Programs)

Posted by Rob Misheloff



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 rates?”

Check this out…

Special Note: There are dozens of programs available for owner operators. Some may be a better fit for you than others. To learn about more programs than are covered in this article, click here 

 PS - Don't feel like reading?

You may also listen to this article by clicking the "play" button below. To download it to your phone, find the Smarter Business Finance Podcast in Itunes, Stitcher or Google Play. 

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Topics: Leasing

The Truth about Boom and Bucket Truck Financing

Posted by Rob Misheloff



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 hurry, and just want to speak to a live person (who will tell you the truth), you may skip all the reading and click here

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Topics: Leasing

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

Posted by Rob Misheloff



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….

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Topics: Leasing

Used Truck and Trailer Financing: Rates with Good Credit

Posted by Rob Misheloff



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…

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Topics: Leasing

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

Posted by Rob Misheloff



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 struggling because of too much debt…

There may be a solution.

Let’s talk about the problems though.

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The Best Small Business Loans for Bad Credit

Posted by Rob Misheloff



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.


Super Special Note - If you get bored of reading... just scroll back up and click here when you're ready to apply for a small business loan. 

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Topics: Small Business Loans

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

Posted by Rob Misheloff


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."

If you'd rather read... check out the transcription below...

You may also listen right here, by clicking in the player below:




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Topics: Leasing, Podcast

What is Interim Rent on an Equipment Lease?

Posted by Rob Misheloff



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 money out of them.

So… is it just a way to juice you for extra money?  

…or is it totally legit?

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Topics: Leasing

5 Ways to Get Out of a Merchant Cash Advance (and other Toxic Business Loans...)

Posted by Rob Misheloff


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 the truth about these products…

… it’s pretty obvious…

…that you’d be better off snorting Drano than signing up to let one of these leeches suck every last dime of profit out of your business.

…but those nice people that help your business access capital told you the 100% truth when you signed, right?


Special Note: If you’re stuck in merchant cash advances that you can’t pay, you might want to talk to a negotiator to help make your payments lower. We partner with a great company that can help you get out of a daily payment product.

Click here for help getting out of a merchant cash advance

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Topics: Small Business Loans

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