AmiSight 2/26: Be Careful How You Structure Short-Term Debt

If you’re taking a short-term loan to get through a temporary cash squeeze, pay close attention to how it’s structured.

Do everything you can to make sure the repayment is a fixed amount — daily, weekly, or monthly.

Why? Because if the repayment is structured as a variable percentage of your sales, you will eliminate your ability to refinance that debt with an SBA loan later. And refinancing into an SBA loan is often how businesses reduce payments to something manageable and create breathing room.

Short-term relief shouldn’t create long-term restrictions. Structure matters more than most borrowers realize.

This Week’s Webinars

Thursday, 2/26/2026 | 12:00-12:45 PM ET

Session 1: Demystifying SBA Acquisition Loans

Speaker: Lynn Ozer

Register Here!