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January 13, 2026
January 13, 2026
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November 12, 2025
November 12, 2025
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With housing affordability at record lows, some have floated the idea of introducing 50-year mortgage terms to make homeownership more accessible — especially for younger first-time buyers. While the concept sounds appealing, the financial reality tells a different story. At a 6.125% interest rate, the monthly payment difference between a… Continue Reading Why a 50-Year Mortgage Won’t Really Help First-Time Buyers
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July 22, 2025
July 22, 2025
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Yes, the One Big Beautiful Bill is designed to benefit business owners by making several tax cuts and provisions permanent that were previously set to expire. These changes are intended to provide businesses with more certainty and flexibility, encourage investment, and ultimately boost the economy. Here’s how the One Big Beautiful… Continue Reading Big Beautiful Bill – 2025
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July 1, 2025
July 1, 2025
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As business owners, it’s essential to embrace the journey ahead with optimism and resilience amid the rapid political and social changes that shape our environment. While the landscape may be evolving, we are witnessing remarkable growth opportunities across various sectors, ready to be seized by those who dare to innovate… Continue Reading Step Boldly into a New Era
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April 29, 2025
April 29, 2025
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High interest rates have many business owners hesitating on new equipment purchases—but in industries like transportation, construction, manufacturing, and energy, the need for reliable, high-performance equipment doesn’t go away. In fact, this is exactly the time when smart operators invest strategically to stay ahead. At First US Finance, we work… Continue Reading Why Businesses Should Keep Investing—Even with High Interest Rates
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January 7, 2025
January 7, 2025
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Tariffs—taxes imposed on imported goods—are often used by governments to protect domestic industries. While they can sound like a positive measure for boosting local businesses, tariffs come with complex economic consequences that can significantly affect small businesses in the U.S. Higher Costs for Goods and Products When tariffs are imposed,… Continue Reading How Tariffs Can Impact the U.S. Economy: What Small Business Owners Need to Know
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December 18, 2024
December 18, 2024
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Today, the Federal Reserve is widely expected to announce a quarter-point rate cut, but the real focus for businesses lies in its updated economic projections. According to Bloomberg, the Fed’s September “dot plot” suggested significant rate reductions of a full percentage point in both 2024 and 2025. However, recent reports… Continue Reading Business Owners Bet on Deeper Fed Rate Cuts in 2025
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August 22, 2024
August 22, 2024
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When the Federal Reserve lowers the bank rate, it can have significant ripple effects throughout the economy, particularly for small and medium-sized businesses (SMBs). These rate reductions are often intended to stimulate economic growth by making borrowing more affordable, and for SMBs, this can translate into both opportunities and challenges.… Continue Reading The Impact of Federal Bank Rate Reductions on Small and Medium-Sized Businesses
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May 21, 2024
May 21, 2024
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In the current economic climate, interest rates have risen to levels we haven’t seen in years. Current prime rate is 8.50% which is what lenders use to set rates for loans, credit cards and lines of credit. Prime rates are usually 3% above the federal funds rate which is at… Continue Reading Why Financing Equipment Makes Sense for Business Owners, Even with Higher Interest Rates
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October 27, 2023
October 27, 2023
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When it comes to acquiring essential equipment for your business, you have options. While many companies turn to their commercial banks for financing, working with an equipment finance broker offers a host of advantages that can make the process smoother and more cost-effective. Here are six big benefits to consider:… Continue Reading 6 Key Benefits of Using an Equipment Finance Broker Over a Commercial Bank
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January 7, 2025
January 7, 2025
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Tariffs—taxes imposed on imported goods—are often used by governments to protect domestic industries. While they can sound like a positive measure for boosting local businesses, tariffs come with complex economic consequences that can significantly affect small businesses in the U.S. Higher Costs for Goods and Products When tariffs are imposed,… Continue Reading How Tariffs Can Impact the U.S. Economy: What Small Business Owners Need to Know
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December 18, 2024
December 18, 2024
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Today, the Federal Reserve is widely expected to announce a quarter-point rate cut, but the real focus for businesses lies in its updated economic projections. According to Bloomberg, the Fed’s September “dot plot” suggested significant rate reductions of a full percentage point in both 2024 and 2025. However, recent reports… Continue Reading Business Owners Bet on Deeper Fed Rate Cuts in 2025
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September 5, 2023
September 5, 2023
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While equipment financing can offer numerous benefits, there are situations where a business owner might prefer to pay cash for equipment acquisition. Here are a few key reasons: Cost Savings: Paying with cash avoids interest charges and fees associated with financing. If the business has the necessary capital readily available,… Continue Reading Key Reasons a Business Owner Would Not Want to Finance Equipment
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