Understanding the Basics of Business Lending

One of the keys to successfully managing a business is securing the right type of financing. Business lending encompasses a wide range of loans designed to meet businesses' distinct financial needs. While it may seem complex at first glance, understanding the basics can go a long way in facilitating your journey towards scaling your business.

To start with, business loans are classified into two major types - short-term and long-term loans. Short-term loans typically have a repayment term of up to a year and are commonly used to address immediate working capital concerns or temporary cash flow issues. On the other hand, long-term loans generally have longer repayment terms and are ideally used for large capital investments like purchasing equipment or real estate.

Apart from conventional term loans, there are also SBA loans, lines of credit, equipment financing, merchant cash advances, and invoice financing among others. Each loan type has its unique features, terms, and uses. Assessing your specific requirements will help determine which type of loan is suitable for your business.

Furthermore, the loan application process also involves rigorous screenings and assessments by lenders. That's why it's crucial to ensure that your business credit score, business plan, revenue, and collateral are in order.

At Seitrams Lending, we believe in providing a seamless and user-friendly loan application process to support businesses in their growth journey. Contact us today to discuss the right financing option for your business.


JF Bertrand
Seitrams Lending

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By jfbertrand • January 15, 2026
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By jfbertrand • January 13, 2026
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By jfbertrand • January 10, 2026
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Smart Working Capital Strategies to Keep Your Small Business Growing

By jfbertrand • January 3, 2026
Running a small business often feels like juggling — keeping customers happy, payroll on time, and inventory stocked while trying to plan a few steps ahead. If you’ve ever felt squeezed by inconsistent cash flow or missed an opportunity because you didn’t have the working capital ready, you’re not alone. The good news is you can manage working capital strategically so short-term needs don’t derail long-term growth.

Practical Ways to Finance Small Business Growth Without Guesswork

By jfbertrand • January 1, 2026
Growing a small business is thrilling — and quietly terrifying. You can see the demand, hear customers asking for more, and imagine the revenue that’s just within reach. But that extra payroll, inventory, or equipment often shows up before the cash does. If you’ve felt that squeeze, you’re not alone.

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Running the day-to-day while trying to grow is exhausting. I’ve been there: payroll hits, a big vendor invoice arrives, and you suddenly have to choose between stretching cash or finding outside working capital. Picking the wrong option wastes time and money. This guide helps you cut through the noise so you can choose a solution that fits your cash flow rhythm and your tolerance for risk.

Practical Working Capital Strategies to Keep Your Business Moving

By jfbertrand • December 25, 2025
If you’re running a small business, you know the feeling: a slow month, a big invoice that hasn’t cleared, or an inventory shipment that ate into cash — and suddenly you’re juggling payroll, bills, and growth plans at the same time. You’re not alone. Tight working capital is one of the most common headaches for owners who are trying to grow without risking day-to-day operations.