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ORERSMALL BUSINESS · MARKETS

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Small Business

The Real Cost of a First Hire, Itemized

A $52,000 salary is not the cost of a $52,000 employee: employer payroll taxes alone add 7.65%, and the fully loaded total typically lands between 1.25 and 1.4 times base pay, per BLS employer-cost data.

Entrepreneurship

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Fed Holds Rates Steady, SBA Loan Costs Stay at 6.75%
Entrepreneurship

Fed Holds Rates Steady, SBA Loan Costs Stay at 6.75%

The Federal Reserve left its benchmark rate unchanged on July 29, keeping SBA 7(a) borrowing pinned to a 6.75% prime rate and leaving open the chance the next move is up, not down.

Finance

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Finance

What a 7.50% Prime Rate Does to Your Business Credit Line

The prime rate fell to 7.50% by December 2024, and if your credit line prices off prime, every $50,000 drawn costs $500 less per year than it did in September — here is how and when the change lands.

Markets News

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Markets News

Market Volatility Is a Supply-Chain Problem Too

When input prices swing, the businesses that survive are those whose contracts specify who bears the swing — indexed pricing, bands, and hedges beat hope.

Markets News

Reading an FOMC Statement Without the Noise

Eight times a year, three paragraphs of committee prose move your borrowing costs — the signal is in what changes between statements, not in the words themselves.

Business News

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Business News

How the 6.75% Prime Rate Resets Your SBA Loan Cost

SBA 7(a) variable-rate loans are capped at the prime rate plus a size-based spread, and a 2026 rule change gave lenders new base rates to peg them to — here's how to read your own note.