Contributing writer
Erica Townsend
Erica Townsend covers business lines of credit, working capital, and local Nevada financing for LasVegas.loans. She focuses on helping owners compare options clearly and avoid common borrowing mistakes. She is not a lender or a licensed financial adviser.
- Researches every guide from primary sources (SBA, Nevada SBDC)
- Independent — not a lender, broker, or licensed adviser
Articles
Bad Credit Business Loans: What Works
Weaker credit narrows your options but doesn't end them. Here are realistic bad-credit business loan options, what lenders weigh, and how to improve your odds.
Business Credit Score Basics
Business credit is separate from your personal credit — and lenders often check both. Here's how business credit works, what affects it, and how to build it.
Business Line of Credit: How It Works
A business line of credit gives you a reusable credit limit you draw on as needed. Here's how it works, what it suits, and how it compares to a term loan.
Business Loan Documents Checklist
A complete, organized file is the biggest thing within your control. Here's the documents checklist most lenders ask for — and how to prepare it.
Business Loans in Las Vegas: A Local Guide
Business financing for Las Vegas and Clark County owners — local SBA resources, free advising, and the loan types that fit valley industries.
Franchise Financing: How to Fund a Franchise
Financing a franchise means covering the franchise fee, build-out, and working capital. Here's how franchise financing works and the SBA's central role.
How Business Loan Rates Actually Work
Interest rate, APR, and factor rate aren't the same thing. Here's how business loan pricing works, what drives your rate, and how to compare offers honestly.
How to Finance a Partner Buyout
Buying out a business partner has its own financing path. Here's how partner-buyout loans work, including the SBA's role in a change of ownership.
How to Qualify for a Business Loan
The five things lenders actually look at — time in business, revenue, credit, collateral, and your use of funds — and how to strengthen each before you apply.
Lease vs. Buy a Business Vehicle
Leasing a business vehicle means lower payments and easy upgrades; buying builds equity. Here's how to choose, plus the cash-flow and tax trade-offs to weigh.
Loans & Resources for Minority-Owned Businesses
There's no special 'minority business loan,' but real resources exist — MBDA centers, SBA 8(a) certification, and CDFIs. Here's how to use them to access capital.
Loans & Resources for Women-Owned Businesses
There's no special 'women's business loan,' but there are real resources — WOSB certification, Women's Business Centers, grants, and CDFIs. Here's how to use them.
Merchant Cash Advances: What to Know
A merchant cash advance gives fast cash for a slice of future sales — but it's one of the most expensive options. How MCAs work and safer alternatives.
Restaurant & Hospitality Financing in Las Vegas
Las Vegas runs on hospitality. Here's how restaurants, bars, and service businesses finance equipment, build-outs, and cash flow — and the local options to know.
Section 179 Vehicle Deduction Explained (2026)
Section 179 lets a business deduct vehicle costs up front — but the limit hinges on the vehicle's weight. Here's how the 2026 rules work, in plain English.
Seller Financing for Buying a Business
Seller financing is when the business owner lets you pay part of the price over time. Here's how it works, why both sides use it, and how it fits SBA rules.
Startup Business Loans: Your Options
Financing a business with little history is hard but not impossible. Here are the real startup business loan options, what lenders look for, and how to qualify.
Work Vehicle Financing in Las Vegas
Las Vegas trades, delivery, and service businesses run on work vehicles. Here's how to finance vans and trucks locally — plus the Nevada options to know.
Working Capital Loans for Small Businesses
Working capital loans cover day-to-day costs like payroll, rent, and inventory. Here's how the main options work, what they suit, and how to qualify.