If you're running a business, you've likely heard the whispers turning into conversations: interest rates may finally be heading down. It’s tempting to press pause on your financing plans, thinking, "I'll just wait for cheaper money."
For years, the question for many business owners was simple: “What’s your rate?” The goal was to find the cheapest capital available. But the economic landscape has fundamentally shifted. The era of historic lows is over, and the game has changed.
Recent reports from the U.S. economy paint an optimistic picture of recovery. Indicators such as steadily rising GDP, improving employment rates, and increased consumer spending are all signals that the economy is gaining momentum after challenging times. This positive trend creates a ripple effect that benefits many sectors, especially commercial lending.
When the government shuts down, it can cause a lot of headaches—delays in loans, frozen programs, and uncertainty for business owners. These disruptions can make it harder for businesses to get the funding they need through traditional channels like banks or government-backed programs such as the SBA.
