The Comprehensive Annual Credit Review (CACR) is a process that publicly traded companies and their lenders conduct annually to evaluate the company’s risk profile and monitor its credit risk. The CACR process is intended to identify and manage risks proactively by providing an in-depth look at a company’s operations, financial performance, management, compliance, and other key attributes.

You might think that small businesses don’t have much access to financing. After all, it seems that every other business on the Internet has an article about how they can’t get a loan or can’t find investors to fund their startup. But the truth is that there are plenty of lenders who want to help small businesses.

Asset-based lending is a type of financing that uses your business assets as collateral. In other words, the lender gives you money based on the value of your equipment and real estate. 

Most people don’t know the real cost of renting, but if you do, you can negotiate a lower rent or find a cheaper place to live. By knowing the average rent in your area, you can also know if you’re being overcharged for your current rent. Before you sign a lease for a new rental property, it’s a good idea to find out how much similar rental properties in the area are charging. If you can find a landlord who is charging below average rent, you might be able to negotiate even lower rent. It never hurts to try.

If you’re starting a business or growing your small business, chances are you’ll need working capital to finance operations. You might think you won’t qualify for a loan due to your smaller balance sheet and lack of personal assets such as real estate or a car. But that doesn’t mean you can’t get capital for your project.

Getting a loan can seem like a complicated process. Once you determine you need money to make an important purchase, getting it seems like the hardest part. But with some preparation and knowledge of your options, getting a loan is actually pretty simple.