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How Small Businesses Can Win the Holiday Rush

The holidays bring more than cheer—they bring opportunity. For many small business owners, December can make or break the year. Whether you run a retail shop, restaurant, or contracting firm, preparation now will determine how strong you finish.

At ByzFunder, we’ve funded over a billion dollars in working capital for small businesses nationwide. Here’s what we’re seeing across key industries—and how to position your business to thrive this season.

Retail & E-Commerce: Stock Early, Sell Smart

The holiday buying wave starts earlier every year, and so do supply pressures. Missing the timing can mean losing key revenue weeks.

Expert advice

  • Order ahead: place core inventory orders by early November to avoid price hikes and shipping delays.
  • Run “early access” offers for your best customers to forecast demand before you over-buy.
  • Use working capital to stock deeper and move faster than competitors waiting on cash flow.

Restaurants & Hospitality: Make the Most of the Season

Holiday gatherings, travel, and corporate events can double your traffic—but only if you’re ready.

Expert advice

  • Cross-train staff now to handle large parties and take-out rushes.
  • Launch gift-card promos (for example, “Buy $50, get $10”) to boost pre-holiday cash flow.
  • Update Google Business Profile and social pages with hours, catering options, and specials before the rush.

Construction, Contracting & Trades: Close Q4 Strong and Prep for Q1

Contractors are busy wrapping projects and planning the next cycle.

Expert advice

  • Collect receivables now to start January with clean cash flow.
  • Consider year-end equipment upgrades while tax deductions may apply.
  • Use flexible funding to cover upfront materials and labor so you can accept new jobs without waiting on old invoices.

Logistics & Transportation: Keep Capacity Rolling

The holiday shipping surge spikes demand while costs climb.

Expert advice

  • Budget early for extra drivers, maintenance, and fuel.
  • Keep liquidity with working capital when invoices stretch out.
  • Prioritize your highest-margin routes; small routing improvements matter during peak weeks.

Healthcare & Personal Services: Capture Year-End Demand

Patients and clients often rush to use benefits before they reset in January.

Expert advice

  • Extend evening or weekend appointments to capture last-minute demand.
  • Send reminders about coverage deadlines and out-of-pocket options.
  • Renew equipment or marketing now while utilization is high.

Professional & Financial Services: Get a Head Start on the New Year

Accountants, bookkeepers, and service firms win when they start early.

Expert advice

  • Promote January services in December with early-bird packages.
  • Pre-hire and train seasonal help now.
  • Use short-term funding to cover hiring and ad spend so you capture Q1 demand.

Plan. Fund. Execute.

Every industry has its own rhythm—but the winners plan ahead.

ByzFunder makes it Fast. Simple. Secure. to access the capital you need to stay ahead of the season. With same-day approvals, transparent terms, and funding up to $500K, you can focus on running your business—not waiting on the bank.

Apply in minutes to see how much you are eligible for extra fund to prep for holiday.

‍

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The Best Business Entity for Small Businesses

Selecting the right business entity isn't just a box to tick off on your entrepreneurial journey. It's the fundamental step to which your business's future hinges. Choosing the correct entity dictates how much you pay in taxes, the extent to which you're personally liable, and the structure of your organization.Making an informed choice can be the difference between financial success and struggle, clarity and confusion, and growth and stagnation for your small business.So, whether you're a freshly minted small business owner or someone considering taking the plunge into the small business arena, this blog is tailor-made for you. We're going to explore the various business entities and help you figure out which one's the best fit for your small business.

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How to Use Small Business Financing to Increase Sales

Small businesses often face the constant challenge of finding enough capital to maintain their operations and achieve growth. As a small business owner, you may be looking for ways to increase your sales and revenue but might be limited by financial constraints. However, with the help of small business financing, you can invest in marketing, inventory, and other strategies that can help drive growth and profitability.Here we explore how small business financing can be used to increase sales and revenue and share success stories from small business owners who have achieved growth with the help of ByzFunder's short-term financing.|Small businesses often face the constant challenge of finding enough capital to maintain their operations and achieve growth. As a small business owner, you may be looking for ways to increase your sales and revenue but might be limited by financial constraints. However, with the help of small business financing, you can invest in marketing, inventory, and other strategies that can help drive growth and profitability.Here we explore how small business financing can be used to increase sales and revenue and share success stories from small business owners who have achieved growth with the help of ByzFunder's short-term financing.

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How Small Businesses Can Win the Holiday Rush

Actionable holiday funding and growth strategies for contractors, retailers, restaurants, and service businesses. Fast, flexible funding from ByzFunder.

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How Small Businesses Can Win the Holiday Rush

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The Best Business Entity for Small Businesses

Choosing the right business entity affects taxes, liability, and funding. Learn the pros and cons of LLCs, Corps, and sole proprietorships for SMBs.
Read more

How to Use Small Business Financing to Increase Sales

Use small business financing strategically to increase sales, invest in inventory or marketing, and scale operations with the support your growth demands.
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Industries Not Eligible for Alternative Financing

Certain industries may not qualify for alternative financing. Learn which sectors are excluded and explore why alternative lenders set specific criteria.
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How Small Businesses Can Win the Holiday Rush

The holidays bring more than cheer—they bring opportunity. For many small business owners, December can make or break the year. Whether you run a retail shop, restaurant, or contracting firm, preparation now will determine how strong you finish.

At ByzFunder, we’ve funded over a billion dollars in working capital for small businesses nationwide. Here’s what we’re seeing across key industries—and how to position your business to thrive this season.

Retail & E-Commerce: Stock Early, Sell Smart

The holiday buying wave starts earlier every year, and so do supply pressures. Missing the timing can mean losing key revenue weeks.

Expert advice

  • Order ahead: place core inventory orders by early November to avoid price hikes and shipping delays.
  • Run “early access” offers for your best customers to forecast demand before you over-buy.
  • Use working capital to stock deeper and move faster than competitors waiting on cash flow.

Restaurants & Hospitality: Make the Most of the Season

Holiday gatherings, travel, and corporate events can double your traffic—but only if you’re ready.

Expert advice

  • Cross-train staff now to handle large parties and take-out rushes.
  • Launch gift-card promos (for example, “Buy $50, get $10”) to boost pre-holiday cash flow.
  • Update Google Business Profile and social pages with hours, catering options, and specials before the rush.

Construction, Contracting & Trades: Close Q4 Strong and Prep for Q1

Contractors are busy wrapping projects and planning the next cycle.

Expert advice

  • Collect receivables now to start January with clean cash flow.
  • Consider year-end equipment upgrades while tax deductions may apply.
  • Use flexible funding to cover upfront materials and labor so you can accept new jobs without waiting on old invoices.

Logistics & Transportation: Keep Capacity Rolling

The holiday shipping surge spikes demand while costs climb.

Expert advice

  • Budget early for extra drivers, maintenance, and fuel.
  • Keep liquidity with working capital when invoices stretch out.
  • Prioritize your highest-margin routes; small routing improvements matter during peak weeks.

Healthcare & Personal Services: Capture Year-End Demand

Patients and clients often rush to use benefits before they reset in January.

Expert advice

  • Extend evening or weekend appointments to capture last-minute demand.
  • Send reminders about coverage deadlines and out-of-pocket options.
  • Renew equipment or marketing now while utilization is high.

Professional & Financial Services: Get a Head Start on the New Year

Accountants, bookkeepers, and service firms win when they start early.

Expert advice

  • Promote January services in December with early-bird packages.
  • Pre-hire and train seasonal help now.
  • Use short-term funding to cover hiring and ad spend so you capture Q1 demand.

Plan. Fund. Execute.

Every industry has its own rhythm—but the winners plan ahead.

ByzFunder makes it Fast. Simple. Secure. to access the capital you need to stay ahead of the season. With same-day approvals, transparent terms, and funding up to $500K, you can focus on running your business—not waiting on the bank.

Apply in minutes to see how much you are eligible for extra fund to prep for holiday.

‍

Running a business
Read More
The Best Business Entity for Small Businesses

Selecting the right business entity isn't just a box to tick off on your entrepreneurial journey. It's the fundamental step to which your business's future hinges. Choosing the correct entity dictates how much you pay in taxes, the extent to which you're personally liable, and the structure of your organization.Making an informed choice can be the difference between financial success and struggle, clarity and confusion, and growth and stagnation for your small business.So, whether you're a freshly minted small business owner or someone considering taking the plunge into the small business arena, this blog is tailor-made for you. We're going to explore the various business entities and help you figure out which one's the best fit for your small business.

Running a business
Read More
How to Use Small Business Financing to Increase Sales

Small businesses often face the constant challenge of finding enough capital to maintain their operations and achieve growth. As a small business owner, you may be looking for ways to increase your sales and revenue but might be limited by financial constraints. However, with the help of small business financing, you can invest in marketing, inventory, and other strategies that can help drive growth and profitability.Here we explore how small business financing can be used to increase sales and revenue and share success stories from small business owners who have achieved growth with the help of ByzFunder's short-term financing.|Small businesses often face the constant challenge of finding enough capital to maintain their operations and achieve growth. As a small business owner, you may be looking for ways to increase your sales and revenue but might be limited by financial constraints. However, with the help of small business financing, you can invest in marketing, inventory, and other strategies that can help drive growth and profitability.Here we explore how small business financing can be used to increase sales and revenue and share success stories from small business owners who have achieved growth with the help of ByzFunder's short-term financing.

Financing
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Industries Not Eligible for Alternative Financing

Alternative financing has been a game-changer for small businesses that don’t have access to traditional bank loans and financing. However, some industries are considered too risky for alternative lenders to finance. These high-risk industries are often seen as too much of a liability.There are several reasons why alternative lenders avoid financing high-risk industries. First, high-risk industries often face intense regulatory scrutiny, which can increase the costs and risks associated with lending to these businesses.Additionally, these industries are often more likely to default on their loans and financing, which can lead to substantial losses for the lender. Lastly, many alternative lenders are conservative and prefer to avoid taking on risks that they perceive as too high.So, what industries are considered high risk to alternative lenders?|Alternative financing has been a game-changer for small businesses that don’t have access to traditional bank loans and financing. However, some industries are considered too risky for alternative lenders to finance. These high-risk industries are often seen as too much of a liability.There are several reasons why alternative lenders avoid financing high-risk industries. First, high-risk industries often face intense regulatory scrutiny, which can increase the costs and risks associated with lending to these businesses.Additionally, these industries are often more likely to default on their loans and financing, which can lead to substantial losses for the lender. Lastly, many alternative lenders are conservative and prefer to avoid taking on risks that they perceive as too high.So, what industries are considered high risk to alternative lenders?

Financing
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6 Ways To Avoid Business Loans and Financing Scams

There comes a time when you will require small business loans or financing to increase capital for various things, including covering operational costs, expanding your company’s facility, purchasing new equipment, or hiring and training employees. Unfortunately, small business loan scams have become increasingly common in recent years, causing many business owners to suffer financial losses. Scammers are on the prowl and ready to take advantage of the opportunity to defraud small business owners looking for loans and business financing.According to the Federal Trade Commission (FTC), in 2020, small business owners reported losing over $2.1 billion to fraud. However, this figure includes all types of fraud, not just business loan scams. The FTC also reported that there was a significant increase in fraud reports during the COVID-19 pandemic, as scammers took advantage of the economic uncertainty to target vulnerable businesses. It's crucial to remain vigilant and informed about the different types of scams and how to evade them.And that is why we want to share the 6 common small business financing scams and how to avoid them before it’s too late.|There comes a time when you will require small business loans or financing to increase capital for various things, including covering operational costs, expanding your company’s facility, purchasing new equipment, or hiring and training employees. Unfortunately, small business loan scams have become increasingly common in recent years, causing many business owners to suffer financial losses. Scammers are on the prowl and ready to take advantage of the opportunity to defraud small business owners looking for loans and business financing.According to the Federal Trade Commission (FTC), in 2020, small business owners reported losing over $2.1 billion to fraud. However, this figure includes all types of fraud, not just business loan scams. The FTC also reported that there was a significant increase in fraud reports during the COVID-19 pandemic, as scammers took advantage of the economic uncertainty to target vulnerable businesses. It's crucial to remain vigilant and informed about the different types of scams and how to evade them.And that is why we want to share the 6 common small business financing scams and how to avoid them before it’s too late.

Loans
Financing
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Why Small Business Owners Should Start Networking

Networking is a necessary aspect of running a small business. Building relationships with other businesses and individuals in your industry can provide a wealth of opportunities for growth, collaboration, and support. Building and being part of a community can help you overcome many of the challenges you may face running a business, especially during an economic crisis and slow periods.Here are some ways small business owners can harness the power of networking to reach their goals.|Networking is a necessary aspect of running a small business. Building relationships with other businesses and individuals in your industry can provide a wealth of opportunities for growth, collaboration, and support. Building and being part of a community can help you overcome many of the challenges you may face running a business, especially during an economic crisis and slow periods.Here are some ways small business owners can harness the power of networking to reach their goals.

Running a business
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Understanding Short-Term Financing Terms

As a small business owner, you may need short-term financing to keep your operations running smoothly. Many terms and concepts associated with small business lending can be confusing to those without a financial background. To help clarify things, we’ve put together a comprehensive glossary of short-term financing terms.|As a small business owner, you may need short-term financing to keep your operations running smoothly. Many terms and concepts associated with small business lending can be confusing to those without a financial background. To help clarify things, we’ve put together a comprehensive glossary of short-term financing terms.

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Supporting Owned Businesses Beyond Black History

Black-owned businesses have been an essential part of the American economy for centuries. Yet, they have often faced significant challenges regarding access to capital, customers, and other resources. Despite these obstacles, black entrepreneurs have continued to start and grow businesses, and today there are an estimated 2.6 million black-owned businesses in the United States.One of the most impressive statistics about black-owned businesses is the growth in their number in recent years. According to data from the U.S. Census Bureau, the number of black-owned businesses increased by 34% between 2007 and 2012, compared to a national average of 11%. In 2019, black-owned businesses employed over 1.9 million people and generated over $150 billion in revenue.However, despite this growth, black-owned businesses still face significant challenges.|Black-owned businesses have been an essential part of the American economy for centuries. Yet, they have often faced significant challenges regarding access to capital, customers, and other resources. Despite these obstacles, black entrepreneurs have continued to start and grow businesses, and today there are an estimated 2.6 million black-owned businesses in the United States.One of the most impressive statistics about black-owned businesses is the growth in their number in recent years. According to data from the U.S. Census Bureau, the number of black-owned businesses increased by 34% between 2007 and 2012, compared to a national average of 11%. In 2019, black-owned businesses employed over 1.9 million people and generated over $150 billion in revenue.However, despite this growth, black-owned businesses still face significant challenges.

Running a business
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6 Tips To Recession-Proof Your Small Business

Small businesses are at the forefront of ever-changing economic times. Yes, global events, turbulent markets, and financial pressures make running a successful small business a challenge; however, weathering the storm can be mighty rewarding - those who manage to get through a crisis successfully will have an easier time growing afterward.Although nobody can predict or control when a recession strikes, you can control what you do to prepare, including getting savvier about cash flow, debt, and business operations.With current inflation levels hovering around 8% and the Federal Reserve Bank raising rates, we are seeing more layoffs and productivity downturns affecting not only the large tech firms but slowly becoming a reality for many small businesses. The after-effects of supply chain management issues caused by the pandemic highlight the need for careful decision-making from small business owners.|Small businesses are at the forefront of ever-changing economic times. Yes, global events, turbulent markets, and financial pressures make running a successful small business a challenge; however, weathering the storm can be mighty rewarding - those who manage to get through a crisis successfully will have an easier time growing afterward.Although nobody can predict or control when a recession strikes, you can control what you do to prepare, including getting savvier about cash flow, debt, and business operations.With current inflation levels hovering around 8% and the Federal Reserve Bank raising rates, we are seeing more layoffs and productivity downturns affecting not only the large tech firms but slowly becoming a reality for many small businesses. The after-effects of supply chain management issues caused by the pandemic highlight the need for careful decision-making from small business owners.

Running a business
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The Difference Between a Hard & Soft Credit Pull

Small business financing is essential for the growth and success of any business, but it can also be a confusing and overwhelming process. One crucial aspect is the difference between a hard and a soft credit pull. Both types of credit checks can affect your credit score differently.Understanding the difference between the two can help you make an informed decision when applying for financing and can also help you avoid any potential negative impact on your credit score.|Small business financing is essential for the growth and success of any business, but it can also be a confusing and overwhelming process. One crucial aspect is the difference between a hard and a soft credit pull. Both types of credit checks can affect your credit score differently.Understanding the difference between the two can help you make an informed decision when applying for financing and can also help you avoid any potential negative impact on your credit score.

Loans
Financing
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5 Reasons To Get Business Financing For The Holiday Season

'Tis the season to be funded and flourishing, not merely scraping by. The holidays can be exciting for businesses, but they can also be a slow season for others. While the restaurant and retail industries are booming, construction and manufacturing may experience a much slower period. Although some industries are benefiting from the holiday season, business owners may find themselves financially strapped due to the slower months leading up to this season.Rather than having to apply for last-minute financing, plan ahead by digging into the previous year's expenses and anticipate how seasonal business trends, including inflation, may impact your sales and revenue. Seeking out the right small business financing can help ensure that your company has the capital it needs to take full advantage of the year-end increase in consumer demand or lack thereof. Applying for business financing this holiday season can also help prepare you for the coming months by assisting you with the following;|'Tis the season to be funded and flourishing, not merely scraping by. The holidays can be exciting for businesses, but they can also be a slow season for others. While the restaurant and retail industries are booming, construction and manufacturing may experience a much slower period. Although some industries are benefiting from the holiday season, business owners may find themselves financially strapped due to the slower months leading up to this season.Rather than having to apply for last-minute financing, plan ahead by digging into the previous year's expenses and anticipate how seasonal business trends, including inflation, may impact your sales and revenue. Seeking out the right small business financing can help ensure that your company has the capital it needs to take full advantage of the year-end increase in consumer demand or lack thereof. Applying for business financing this holiday season can also help prepare you for the coming months by assisting you with the following;

Running a business
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Spring Cleaning Your Small Business

Spring is in the air, which means it’s time for small businesses to give their operations a good old-fashioned spring cleaning. No, we’re not talking about vacuuming the floors and dusting off the shelves (although that’s important too). We’re talking about taking a closer look at your finances, operations, and overall business strategy to ensure you’re on the right track to small business success.So, grab a cup of coffee and your favorite cleaning supplies because we’re about to dive into some serious business spring cleaning.|Spring is in the air, which means it’s time for small businesses to give their operations a good old-fashioned spring cleaning. No, we’re not talking about vacuuming the floors and dusting off the shelves (although that’s important too). We’re talking about taking a closer look at your finances, operations, and overall business strategy to ensure you’re on the right track to small business success.So, grab a cup of coffee and your favorite cleaning supplies because we’re about to dive into some serious business spring cleaning.

Running a business
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Riding the Interest Rate Hike Roller Coaster

As we navigate an uncertain economic landscape, it’s crucial to stay informed about the various financial decisions affecting our lives. One such decision is the interest rate hikes, which can significantly impact the borrowing options for small businesses. In this blog, we’ll discuss what the recent federal interest rate hikes mean for small business owners and how an alternative lender like ByzFunder could be a better option.|As we navigate an uncertain economic landscape, it’s crucial to stay informed about the various financial decisions affecting our lives. One such decision is the interest rate hikes, which can significantly impact the borrowing options for small businesses. In this blog, we’ll discuss what the recent federal interest rate hikes mean for small business owners and how an alternative lender like ByzFunder could be a better option.

Financing
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Good Financial Habits that Lead to Small Business Success

Adopting good financial habits is one of the fastest and most long-lasting ways to boost your business and drive success. As a business owner, you should not only invest in good personal habits, but those habits should filter over into your business. Having a growth-minded mindset will set you up for success. Rethinking and planning how you approach your business finances could significantly improve cash flow and profitability. So, what can you do to ensure you adopt good financial habits that lead to success in small businesses?|Adopting good financial habits is one of the fastest and most long-lasting ways to boost your business and drive success. As a business owner, you should not only invest in good personal habits, but those habits should filter over into your business. Having a growth-minded mindset will set you up for success. Rethinking and planning how you approach your business finances could significantly improve cash flow and profitability. So, what can you do to ensure you adopt good financial habits that lead to success in small businesses?

Financing
Running a business
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Small Business Saturday

Thanksgiving weekend is traditionally the busiest shopping period of the year, packed with various annual American traditions, including Small Business Saturday. Started in 2010, the SBS Holiday bill was passed in all 50 states in 2011 and has become a popular day to celebrate and support entrepreneurs.Small Business Saturday drives customers to buy locally. It is great for employment, economic growth, and the community. According to statistics by the National Retail Federation, 51 million shoppers participated in Small Business Saturday last year. The US boasts 33.2 million small businesses that have generated 12.9 million net new jobs over the past 25 years. Supporting small and local businesses is crucial for the American economy, especially in times of high inflation, worker shortages, and supply chain disruptions.And even though small businesses see an increase in sales over this shopping weekend, one should support local businesses the entire holiday season and year-round. So, how can you thrive this Small Business Saturday and for the rest of the Holiday season as a small business owner?|Thanksgiving weekend is traditionally the busiest shopping period of the year, packed with various annual American traditions, including Small Business Saturday. Started in 2010, the SBS Holiday bill was passed in all 50 states in 2011 and has become a popular day to celebrate and support entrepreneurs.Small Business Saturday drives customers to buy locally. It is great for employment, economic growth, and the community. According to statistics by the National Retail Federation, 51 million shoppers participated in Small Business Saturday last year. The US boasts 33.2 million small businesses that have generated 12.9 million net new jobs over the past 25 years. Supporting small and local businesses is crucial for the American economy, especially in times of high inflation, worker shortages, and supply chain disruptions.And even though small businesses see an increase in sales over this shopping weekend, one should support local businesses the entire holiday season and year-round. So, how can you thrive this Small Business Saturday and for the rest of the Holiday season as a small business owner?

Running a business
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