August 12, 2020

Hard vs. Soft Credit Reports

When a lender requests or “pulls” your credit report from a credit bureau to review your file, that inquiry may be recorded as part of your file history depending on the type of report requested. There are two types of inquiries possible known as “hard” or “soft” credit pulls. A […]
May 24, 2020

Why Didn’t I Get Approved?

There are several factors that typically are considered when a credit team is reviewing a business profile to issue a decline or approve decision for financing equipment or providing working capital. There is some flexibility among lenders when considering the different factors but there is a common base that many […]
May 8, 2020

Funding Accounts Receivable for Businesses

First US Finance LLC provides accounts receivable factoring services to small and large businesses nationwide. Factoring is the only source of financing that grows with your sales. As sales increase, more money becomes immediately available to you. This allows you to constantly be able to meet increasing demand for your […]
March 3, 2020


The interest rate topic drives some business owners into making rash decisions. All owners want to pay the lowest rate possible but we’ve seen some work hard to qualify for a good rate, providing all the requested documentation and then lengthen the term of the finance just because they are […]
February 10, 2020

Service and Success Go Hand in Hand

As business people we all produce a product or offer a service which we sell for a price and realize a profit. Our intention should be to gain a fair return based on how much time, expertise, energy and materials we have to invest in making our products. In the […]
January 15, 2020

Financing Green Tech – What Does it Take

1) What specifically is Green Technology? It encompasses all areas and disciplines, including methods, materials & techniques, which are environmentally friendly. Typical areas include: energy, efficiency, recycling, safety and health concerns and renewable resources.   “BIG PICTURE GOAL: TO REDUCE OR ELIMINATE WASTE PRODUCTS IN THE ENVIRONMENT”   2) Let’s […]
August 17, 2019

Nobody Likes Paying Interest

We understand that completely; nobody likes paying interest, neither do we. It’s an emotional hot button for any business person when financing equipment or acquiring working capital. They feel it’s like money thrown away into thin air… or is it? Interest is the price you pay when using someone else’s […]
April 16, 2019

Cash Flow is King

Business owners often stress prior to submitting a request for new equipment financing. By the time we get an application we hear about all the things that has kept them up at night; personal credit score, business credit, seasonal or market slowdowns, lawsuits and ownership changes are among some of […]
March 7, 2019

Low Cost Working Capital for Start-Ups & Seasoned Businesses

It is well known that merchant capital loans are not inexpensive, often with rates in the teens and higher; but when emergencies hit, they come in handy. Getting capital from your existing equipment through a sale/leaseback also has its’ downside and will take some work by requiring certain documentation and […]
August 21, 2018

Start-up Capital – The Egg or the Chicken

We see many business ideas which project earning many thousands or millions of dollars in sales revenue and sometimes at a very fast pace. Typically, a group of individuals working in a specific market with years of experience conceive of a way to improve a process and or create a […]