Key insights from the series:
- Total cost over teaser rates: weigh APR + fees + prepayment terms.
- Cashflow fit: align term length with seasonality and margins.
- Product choice matters: equipment loans vs. project/working-capital lines.
- ROI sequencing: fund upgrades that lift throughput/ticket size first.
- Review & refinance: revisit quarterly; refinance when rates/revenue shift.
Quick checklist:
- Set a target payment range that keeps DSCR comfortable.
- Get 2–3 offers; compare APR, origination, prepayment rules.
- Run best/base/worst cashflow scenarios before signing.
- Prioritize must-have safety/uptime → high-ROI upgrades → nice-to-have.
- Track KPIs monthly and reassess financing each quarter.