2025 was a year that surprised small-business owners in ways they never expected. The uncertainty of interest rates, the ongoing trouble finding workers, and increased IRS scrutiny created an environment where mistakes could be costly.
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."
In an increasingly competitive economic landscape, access to capital remains one of the most decisive factors in a company’s ability to grow, innovate, and stay resilient. For many established businesses, term loans represent a strategic financing option -
