Category: Banking
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Did You Know USDA B&I May Be the Smarter Capital Play for Bigger Rural Deals?
Did you know one of the most overlooked ways to fund a rural expansion, acquisition, refinance, or owner-occupied facility may not be SBA at all? USDA B&I is built for larger, harder-working projects hiding in plain sight.For years, the SBA 7(a) loan has been the default answer in small business finance. Need working capital? SBA.…
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What SBA Loan Data Reveals About the Businesses Lenders Trust Most
Not all businesses are equal in the eyes of lenders. Some industries default five times more than others. Understanding how banks evaluate risk could be the difference between getting approved for capital—or getting declined. Small business owners often assume that lenders evaluate companies individually. While that is partly true, the reality is far more structural.…
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Where Did the Cash Go? Seven Cash-Flow Principles Every DFW Small Business Should Know
This morning I was asked to speak about some small business bookkeeping principles. You know – fractional CFO stuff. That was the topic on the calendar. But once the room started talking, the real opportunity surfaced quickly: cash flow. Not taxes.Not revenue.Not marketing. Cash flow. And for businesses doing under $10 million a year, cash…
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The 2026 Investing Index: Why We Show You the Alternatives Before We Show You the Fund
Before you wire into a private fund, know the spectrum. From 0.01% savings to 24% tax liens, capital lives on a risk ladder. At Overlap Capital, we publish alternatives first—because disciplined investors deserve context before commitment. The 2026 Investing Index: Why We Show You the Alternatives Before We Show You the Fund Before we ask…
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The 2026 Capital Discipline Framework: What Entrepreneurs Must Understand Before Chasing Yield
Most investors ask, “What’s the return?” Smart fiduciaries ask, “What’s the baseline?” In 2026, capital discipline starts with Treasuries, not targets. Here’s how small business leaders should think about risk, liquidity, and private funds. The 2026 Capital Discipline Framework: What Entrepreneurs Must Understand Before Chasing Yield Capital deserves context. Before an entrepreneur allocates a dollar…
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Overlap Capital Launches “Funded By” Program to Build National Network of Certified Funding Specialists
Dallas, TX — Overlap Capital today announced the official launch of its “Funded By” Program, a structured affiliate and certification initiative designed to convert national support for small business funding into measurable, shared economic outcomes. The program introduces a tiered model allowing professionals across industries to participate in funding transactions inside the Overlap Capital marketplace.…
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Overlap Capital Expands National Footprint Through “Funded By” Funding Specialist Initiative
A Referral-First Model Redefining How Small Business Advocates Participate in Capital Outcomes Capital access rarely fails because of a lack of money. It fails because of broken translation between opportunity and trust. Overlap Capital’s new “Funded By” initiative is designed to close that gap by aligning small business advocates with real, measurable funding outcomes. A…
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Mapping the “Path to Capital”: How Today’s Apps Help Small Businesses Access Funding—and Where the Gaps Remain
Dallas, TX — Access to capital remains one of the most persistent challenges facing small businesses in the United States. While billions of dollars in lending capacity exist across banks, fintechs, and private credit providers, many entrepreneurs struggle to navigate the path between being operational and being fundable. In response, a growing ecosystem of digital…
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Bankruptcy Isn’t One Thing
Chapter 7, Chapter 11 & Chapter 13—And Why Business Structure Decides the Outcome Bankruptcy isn’t one thing—it’s a set of tools. Chapter 7 ends things. Chapter 13 reorganizes personal cash flow. Chapter 11 restructures businesses under pressure. Which one applies depends on decisions made long before trouble shows up. Most business owners hear “bankruptcy” and…
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New Analysis Reveals the 7 Structural Reasons Small Businesses Are Denied Funding—and Why Most Rejections Are Preventable
Dallas, TX — Despite record levels of capital circulating through private lenders, banks, and alternative finance platforms, millions of small businesses remain unfunded or underfunded. A new analysis released today identifies seven recurring structural reasons small businesses are denied funding—and finds that the majority of these denials are not caused by weak ideas or poor…