<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
  xmlns:dc="http://purl.org/dc/elements/1.1/"
  xmlns:atom="http://www.w3.org/2005/Atom">
  <channel>
    <title>Orer News — Finance</title>
    <link>https://orer.news/finance/</link>
    <description>Orer News covers business news, including Business, Finance, and Economy, with clear reporting, context, and practical guides.</description>
    <language>en-US</language>
    <lastBuildDate>Sun, 30 Aug 2026 22:21:54 GMT</lastBuildDate>
    <atom:link href="https://orer.news/finance/feed.xml" rel="self" type="application/rss+xml" />
    <category>Finance</category>
    <item>
      <title>What a 7.50% Prime Rate Does to Your Business Credit Line</title>
      <link>https://orer.news/finance/what-a-7-50-prime-rate-does-to-your-business-credit-line-3/</link>
      <guid isPermaLink="true">https://orer.news/finance/what-a-7-50-prime-rate-does-to-your-business-credit-line-3/</guid>
      <description><![CDATA[Prime fell to 7.50% by December 2024, cutting roughly $500 a year per $50,000 drawn on floating lines. The index, margin, and reset schedule that decide what you actually pay.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:56:27 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/folder-import/b3/b387c9c850e9db3034ca610637ce4c8e848ea839fc1903ff11a004d41614c766.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>What the SBA&apos;s 75% Loan Guarantee Actually Covers</title>
      <link>https://orer.news/finance/what-the-sba-s-75-loan-guarantee-actually-covers/</link>
      <guid isPermaLink="true">https://orer.news/finance/what-the-sba-s-75-loan-guarantee-actually-covers/</guid>
      <description><![CDATA[The federal guarantee behind an SBA 7(a) loan protects the lender's exposure, not the borrower's balance — here is what it does and doesn't change.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:48:09 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/folder-import/e3/e3b46ccf6c759972ca053064ddd42b080f213427bf6ad6de8cc478c47da849ec.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>Why Credit Lines Are Established Before You Need Them</title>
      <link>https://orer.news/finance/standby-line-of-credit-before-downturn/</link>
      <guid isPermaLink="true">https://orer.news/finance/standby-line-of-credit-before-downturn/</guid>
      <description><![CDATA[Lenders ration credit exactly when applications rise — why the undrawn standby line is set up in strong quarters, and how to size and hold it.]]></description>
      <pubDate>Mon, 10 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/f1da20b6d7d3ca0b8cb325a68d6dcf636992154deaacb3ba0a5f8ced328687c6/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>When Refinancing Business Debt Actually Pays</title>
      <link>https://orer.news/finance/when-to-refinance-business-debt/</link>
      <guid isPermaLink="true">https://orer.news/finance/when-to-refinance-business-debt/</guid>
      <description><![CDATA[Rate savings versus fees versus term extension — the three computations that decide whether refinancing business debt actually pays.]]></description>
      <pubDate>Sat, 18 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/2b7035d7df235a9ab170176254cda4a7a9c3b342b8b93825ca6d850ca8b599ae/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>The QBI Deduction: What Pass-Through Owners Need to Know</title>
      <link>https://orer.news/finance/qbi-deduction-pass-through-guide/</link>
      <guid isPermaLink="true">https://orer.news/finance/qbi-deduction-pass-through-guide/</guid>
      <description><![CDATA[Section 199A explained: 20 percent of qualified business income, income thresholds, the service-business trap, and planning levers after 2025 law.]]></description>
      <pubDate>Thu, 25 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/112f7d409bcb9cbcb834bcb8c5d8789111f761346e4843bb79adf8058249377e/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>SEP-IRA or Solo 401(k): The Self-Employed Retirement Math</title>
      <link>https://orer.news/finance/sep-ira-vs-solo-401k-self-employed/</link>
      <guid isPermaLink="true">https://orer.news/finance/sep-ira-vs-solo-401k-self-employed/</guid>
      <description><![CDATA[Same ceiling, different roads: contribution math, employee rules, Roth access, and the income crossover that picks your self-employed plan.]]></description>
      <pubDate>Wed, 03 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/40d26131e8ca69146559cd9469dfca875532ad7cba7b90edad0616c24e081d32/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>Personal Guarantees on Business Debt: What You&apos;re Really Signing</title>
      <link>https://orer.news/finance/personal-guarantee-business-loan-risk/</link>
      <guid isPermaLink="true">https://orer.news/finance/personal-guarantee-business-loan-risk/</guid>
      <description><![CDATA[What a business-loan personal guarantee reaches, when it is enforceable, and the caps, burn-downs, and releases worth negotiating first.]]></description>
      <pubDate>Mon, 11 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/ebc7f4625812a6aa3df9810837582e93ebdab40c2f6bfbe6f3c8485d2f94f2ea/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>DSCR: The Number Lenders Check Before Your Loan Closes</title>
      <link>https://orer.news/finance/dscr-lenders-explained/</link>
      <guid isPermaLink="true">https://orer.news/finance/dscr-lenders-explained/</guid>
      <description><![CDATA[Net operating income over debt payments — how lenders compute debt service coverage, what the number caps, and improving it before applying.]]></description>
      <pubDate>Sat, 18 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/793be15f3ab2f6184521b35b934b8a00acddca2b133949cac05d69c1503c1522/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>Invoice Factoring vs. Invoice Financing: Same Paper, Different Deals</title>
      <link>https://orer.news/finance/invoice-factoring-vs-financing/</link>
      <guid isPermaLink="true">https://orer.news/finance/invoice-factoring-vs-financing/</guid>
      <description><![CDATA[Selling invoices versus borrowing against them — recourse, customer visibility, and true annualized cost compared before you sign.]]></description>
      <pubDate>Thu, 26 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/512d89efa786207f192ac7b2c7e92f4c024b1a4c11d3135c7dc32b38c4125c9c/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>Equipment Loan or Lease: The Math and the Tax Angle</title>
      <link>https://orer.news/finance/equipment-loan-vs-lease-tradeoffs/</link>
      <guid isPermaLink="true">https://orer.news/finance/equipment-loan-vs-lease-tradeoffs/</guid>
      <description><![CDATA[Ownership versus use: total cost, endgame terms, and Section 179 compared for equipment loans and leases — how to pick per asset.]]></description>
      <pubDate>Wed, 04 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/c61b61305799d86f9ba420b7d8c78694a5f3d908de28554b48a7f8aac9c424d9/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>How to Build Business Credit Without Personal Guarantees</title>
      <link>https://orer.news/finance/how-to-build-business-credit/</link>
      <guid isPermaLink="true">https://orer.news/finance/how-to-build-business-credit/</guid>
      <description><![CDATA[EIN, D-U-N-S, reporting trade lines, and early payments — building a business credit profile that eventually borrows without personal guarantees.]]></description>
      <pubDate>Mon, 09 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/c02cfa6e960758566f8732ef1b5a2b958a0b89b4001a497ad19c2a16fd8da469/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>Working Capital Loan or Term Loan: Which Debt Fits the Need?</title>
      <link>https://orer.news/finance/working-capital-loan-vs-term-loan/</link>
      <guid isPermaLink="true">https://orer.news/finance/working-capital-loan-vs-term-loan/</guid>
      <description><![CDATA[Revolving debt for temporary gaps, amortizing term debt for long-lived assets — matching business loan structure to what the money buys.]]></description>
      <pubDate>Sat, 17 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
      <category>Finance</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/aba1e5c42f4601308ac1c0894c2b8697aad30711518604e5a37bcd3e4179ffae/1200w.webp" type="image/jpeg" length="0" />
    </item>
  </channel>
</rss>