There are 3 good reasons for small business to borrow money before the end of the year, according to the article in Small Business Trends. Authored by Rohit Arora, CEO and co-founder of Biz2Credit, he lists the following compelling reasons to invest now in your organization:

1. If you aren’t investing in your business, your competitors likely are

2. Banks want to do deals before the end of the year

3. Historically low interest rates won’t last forever

Click here to read the complete article.

In September, the Small Business Loan Simplification Act of 2014 (H.R. 5599) was introduced, which would streamline and simplify the loan application process at the U.S. Small Business Administration (SBA) by requiring the agency to permit the use of e-signature and electronic records. For a 6-step guide on applying for an SBA loan, click here.

Qualifying for a loan can be difficult. Many business owners have been enabled by their CPAs and other advisers to avoid income tax at all costs—without realizing that this strategy is hampering the firm’s ability to access debt or equity capital to grow. The National Small Business Association (NSBA) has a good article titled, Owner Beware: Tax Gimmicks Can Hinder Financing Options, that addresses this problem.

Firms that export product have a reprieve in financing, as the Export-Import Bank of the U.S. (Ex-Im) has received a nine month extension on their charter. For more info, click here.

If you’re looking for an alternate source of funding, there are platforms like TheFunded.Com, Go4Funding.com or OnDeck.Com that bring entrepreneurs, business owners and investors (angel investors and venture capitalists) closer together.