Published:February 16, 2024 Modified:February 16, 2024Embarking on the journey of expanding your trucking business is an exciting endeavor. As your fleet grows, so do increased profits and market presence opportunities. However, acquiring and maintaining a fleet of 18-wheelers involves a

Published:February 16, 2024 Modified:February 16, 2024Starting a new business is an exciting venture filled with aspirations and dreams of success. However, navigating the intricate landscape of entrepreneurship demands more than just passion; it requires strategic planning, resilience and adequate financial

Published:February 16, 2024 Modified:February 16, 2024Running a successful business often requires strategic financial planning, and securing the right commercial loan can play a pivotal role in your company’s growth and stability. At Hub City Lending, we understand the unique needs

Published:January 9, 2024 Modified:January 9, 2024Embarking on the journey of expanding your trucking business is an exciting endeavor. As your fleet grows, so do increased profits and market presence opportunities. However, acquiring and maintaining a fleet of 18-wheelers involves a

Published:January 4, 2024 Modified:January 4, 2024Navigating through a myriad of challenges in the business landscape, startups often discover a critical factor that can make or break their journey: working capital. The heartbeat of any business, working capital is the fuel

Published:December 29, 2023 Modified:February 16, 2024Owning a home is a dream for many, but the path to homeownership can be filled with challenges, especially when navigating the complex world of mortgages. In Texas, where the real estate market is thriving,

Published:December 28, 2023 Modified:February 16, 2024Are you a business owner eager to propel your enterprise to new heights? Working capital is one crucial factor that often determines the speed and scale of growth. At Hub City Lending, we understand the

Published:November 9, 2023 Modified:November 9, 2023 If you are a business owner or entrepreneur in Texas seeking financing for your commercial venture, you understand the significance of securing the right loan to fuel your growth. Commercial loans in Texas are

Published:September 14, 2023 Modified:September 20, 2023 In the world of business, the road to success often requires navigating financial challenges, especially when it comes to securing financing for essential assets like semi-trucks. While having a strong credit history is typically

Published:September 12, 2023 Modified:September 20, 2023 The Importance of Budgeting for Your First Semi-Truck Purchase Are you considering making your first semi-truck purchase? Congratulations on taking this significant step toward expanding your business and entering the trucking world. Before you

Published:September 11, 2023 Modified:September 20, 2023 In the complex world of commercial real estate, securing the right financing can be daunting. Business owners and property investors often face the decision of whether to approach a lender directly or enlist the

Published:September 6, 2023 Modified:September 6, 2023 Cash flow management is a critical aspect of running a successful small business. Timely access to funds is essential for covering operating expenses, investing in growth, and ensuring the sustainability of your enterprise. For

Published:September 6, 2023 Modified:September 6, 2023 When it comes to securing a small business loan in Texas, your credit score plays a pivotal role in determining your eligibility and the terms you’ll receive. At Hub City Lending, we understand the

Published:August 7, 2023 Modified:August 7, 2023If you are a trucking business owner or an independent trucker looking to expand your fleet or upgrade your equipment, you may have considered the option of financing your trucking equipment. In this blog post,

Published:August 7, 2023 Modified:August 7, 2023Welcome to the official blog of Hub City Lending! Today, we are here to discuss an essential aspect of the trucking industry: choosing the best semi-truck finance option. As a leading financial services provider, we

Published:July 17, 2023 Modified:July 31, 2023  Are you a business owner in Texas looking to improve your cash flow? Are you tired of waiting for your customers to pay their invoices while your expenses continue to pile up? At Hub

Published:July 17, 2023 Modified:July 31, 2023  When it comes to financing commercial real estate, understanding the importance of down payments is crucial. At Hub City Lending, we have a team of highly experienced and certified financial professionals who can guide

Published:July 17, 2023 Modified:July 31, 2023  When it comes to financing your commercial property, navigating the complex landscape of lenders, loan options, and terms can be overwhelming. That’s where a commercial mortgage broker can be your trusted partner. At Hub

Published:July 17, 2023 Modified:July 31, 2023  As a business owner in the trucking industry, acquiring a semi-truck is a significant investment that can drive growth and success. At Hub City Lending, we understand the importance of finding the right financing

Published:July 17, 2023 Modified:July 31, 2023  Are you a trucking business owner looking to expand your fleet and take advantage of growth opportunities? Financing for a semi-truck can be a significant step towards achieving your business goals. However, navigating the

Published:February 6, 2023 Modified:February 6, 2023 What Determines FHA Eligibility? Buying a home is often the largest purchase most people will ever make. With the cost of housing rising, it’s important to consider all potential methods of financing such a

Published:September 27, 2022 Modified:February 6, 2023 What Is Debt Service Coverage Ratio? The debt service coverage ratio (DSCR) is a crucial indicator of a company’s capacity for loan repayment, acquisition of fresh capital, and dividend distribution. It is one of

Published:September 10, 2022 Modified:February 6, 2023 What are Investors? Individuals or entities (such as businesses or mutual funds) who invest money with the hope of making a profit are called investors. Investors depend on a variety of financial instruments to

Published:September 2, 2022 Modified:February 6, 2023 What Is Real Estate Investing? It is possible to invest in real estate by buying, managing, renting out, or selling properties for a profit. Investing in real estate, either actively or passively, is the

Published:September 2, 2022 Modified:February 6, 2023 What Is Loan To Value Ratio? Financial institutions and other lenders assess the loan-to-value (LTV) ratio as a gauge of the lending risk prior to accepting a mortgage. Loans with high LTV ratings are

Published:August 30, 2022 Modified:February 6, 2023 What are the Liquid Assets? Liquid assets are those that can be swiftly and readily converted into cash. Examples of liquid assets include cash, money market instruments, and marketable securities. Tracking liquid assets as

Published:August 19, 2022 Modified:February 6, 2023 What Is An Annual Revenue? The total amount of money a business brings in each year from the sale of goods, services, assets, or capital is known as annual revenue. Your annual revenue does

Published:August 19, 2022 Modified:February 6, 2023 What Are Financial Statements? A financial statement is a document detailing the activities and financial success of a firm. Government organizations, accounting companies, etc. routinely perform a review of financial statements to ensure accuracy

Published:August 14, 2022 Modified:February 6, 2023 Hard money meaning A common form of lending in real estate investing is called hard money. Other names for hard money loans are asset-based loans, bridge loans, and STABBL loans (short-term asset-backed bridge loans).

Published:August 14, 2022 Modified:February 6, 2023 What Is A Face Value? A financial concept known as “face value” refers to a security’s nominal or monetary value as indicated by its issuer. The original cost of the stock, as stated on

Published:August 5, 2022 Modified:February 6, 2023 What Is A Loan Term? The length of a loan, or the time it takes to be fully repaid when the borrower is making scheduled payments, is referred to as the loan term. The

Published:July 26, 2022 Modified:February 6, 2023 What Are Receivables? Receivables, also known as accounts receivable, are sums owing to a business by its clients for products or services that have already been provided or utilized but have not yet been

Published:July 26, 2022 Modified:February 6, 2023 What Is An Invoice? A time-stamped commercial document known as an invoice lists the specifics of a transaction between a buyer and a seller and records it. The invoice often details the conditions of

Published:July 22, 2022 Modified:February 6, 2023 What is a Balance Sheet? A balance sheet in financial accounting is a summary or list of financial balances for an individual or company. It can be sole proprietorship, business partnership, corporation, private limited

Published:July 22, 2022 Modified:February 6, 2023 What Is Funding? The purpose of a fund is to set aside funds for a specific purpose. For instance, a municipal government can create a fund to build a new civic center, a college

Published:July 13, 2022 Modified:February 6, 2023 What Is A Down Payment? A down payment is a quantity of money that a buyer pays at the beginning of a pricey good or service purchase. A portion of the entire purchase price

Published:July 7, 2022 Modified:February 6, 2023 What Is An Investment? A purchase made with the intention of creating income or capital growth is known as an investment. An asset’s value increasing over time is referred to as appreciation. When a

Published:July 7, 2022 Modified:February 6, 2023 What Is A Credit Score? A credit score is a three-digit figure that ranges from 300 to 850 and is used to determine your credit risk, or how likely you are to make on-time

Published:June 30, 2022 Modified:February 6, 2023 What is an Obligation? Simply, obligation refers to the responsibility of a party to fulfill the contractual terms and conditions. In case, the obligation is not met, the legal system often provides recourse for

Published:June 30, 2022 Modified:February 6, 2023 What Is Leasing? A lease is a legally binding agreement between two parties in which one commits to rent property owned by the other on particular terms. It allows a tenant or lessee to

Published:June 22, 2022 Modified:February 6, 2023 What is an Interest Rate? In addition to the principal, the interest rate refers to how much a lender charges the borrower for the use of assets. The money generated from a credit union

Published:June 22, 2022 Modified:February 6, 2023 What is  Cash Flow? Cash Flow is net balance of cash coming into and out of a business at a certain point in time. A business’s cash is continually flowing in and out. When

Published:June 15, 2022 Modified:February 6, 2023   What is an Asset? The term asset refers to a type of economic advantage that people or entities have today, tomorrow, or in the future. Consequently, an asset is anything that you own

Published:June 15, 2022 Modified:February 6, 2023 What is a Renovation Renovation means to “create new again”—to “revitalize.” The process of renovating (also known as remodeling) a broken, damaged, or outmoded structure. Commercial and residential renovation are the most common types

Published:June 9, 2022 Modified:February 6, 2023 What is a Finance Committee? The Finance Committee oversees the organization’s budget and provides financial analysis, guidance, and monitoring. Their main role is to guarantee that the organization has the financial resources it requires

Published:June 2, 2022 Modified:February 6, 2023 What are Donations? Individuals, businesses, and other organizations can make donations to support the organization’s mission and objectives. They also provide funds to enable organizations to continue providing high-quality programs for the community. Each

Published:June 2, 2022 Modified:February 6, 2023 What is the meaning of Credit? This term has many meanings in the financial world, but credit is generally defined as a contract agreement in which a borrower receives a sum of money or

Published:May 30, 2022 Modified:February 6, 2023 What is Fundraising? Fundraising is the process of soliciting and collecting voluntary financial contributions from individuals, businesses, charitable foundations, or government agencies. Although fundraising is most commonly associated with efforts to raise funds for

Published:May 27, 2022 Modified:February 6, 2023 What is a Charity? Charities are organizations whose primary goals are charity and social well-being. charitable, educational, religious or any other activity serving the public interest or common benefit. There are many legal differences

Published:May 25, 2022 Modified:February 6, 2023 What a Budget? Budgets are an estimate of future revenue and expenses. They are usually prepared and re-evaluated periodically. A budget can be created for an individual, a group, a company, a government or

Published:May 20, 2022 Modified:February 6, 2023 What is Capital? Capital in the form of money or other assets owned by a person or organization or available or contributed for a particular purpose such as starting a company or investing. Capital

Published:May 19, 2022 Modified:February 6, 2023 What a Nonprofit? A nonprofit organization (NPO), also known as a non-business entity,not-for-profit organization, or nonprofit institution,is a legal entity organized and operated for a collective, public or social benefit, in contrast with an