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In the fast-paced business world, access to instant capital can mean the difference between seizing an opportunity or missing it entirely. Trust Capital Funding understands this, and that's why we offer our Same Day Funding program - an instant business funding option that's designed to empower your business. Understanding Same Day Funding Our Same Day Funding program is a quick, hassle-free financing solution that caters to businesses in need of immediate capital. Unlike traditional loans, this program doesn't require a personal guarantee. It's all about providing you with the necessary funding quickly, so you can focus on what you do best - running your business. Preapproval Online: Getting Started is Easy Starting your journey towards same day funding is as simple as filling out an application online. With this straightforward process, you can get preapproved swiftly, without the usual bureaucracy associated with traditional financing methods. Dont want to aply now? No problem. We have instant preapprovals online so you can see if you qualify without a hit to your credit. No Personal Guarantee and a Flat Payback The Same Day Funding program from Trust Capital Funding offers you the advantage of no personal guarantee. That means your personal assets are not at risk. Moreover, you get the benefit of a flat payback, providing predictability and making financial planning easier for your business. Unlike interest rates which compund monthly. Qualifications and Benefits To qualify, your business must be operational for at least three months, and you should have an average monthly revenue of $10,000. This is a form of revenue-based financing, a type of funding that's gaining popularity for its convenience and practicality. Not only does this program allow for an instant business line of credit, but it also represents a type of revenue-based financing that is more flexible than traditional loan models. Instead of fixed payments, businesses pay back a percentage of their revenue, aligning the repayment with their income cycle. As long as you are turning profits you will have money available to you. Revenue-Based Financing Instead of focusing on credit scores or collateral, we look at your business's monthly revenues to determine your eligibility. This approach makes our program a great choice for businesses without the strongest credit profile or those needing cash fast. In the world business financing, your business is viewed as an investment generating revenue rather than a risk being assessed for its creditworthiness. It's a fresh perspective on lending, focusing on the potential of your business rather than past financial struggles. Through our Same Day Funding program, we are changing the narrative of business financing. By eliminating the barriers and inefficiencies of traditional lending, we are making it easier for businesses to thrive in today's competitive marketplace. In essence, our Same Day Funding program is about more than just quick loans or cash—it's about empowering businesses with the financial resources they need when they need them most. So why wait? Explore our Same Day Funding program and discover how Trust Capital Funding, your direct lender with competitive rates, can help accelerate your business growth today. Apply Today.

Profit margins are a critical aspect of a successful business, as they directly relate to the company's profitability and long-term financial health. In this article, we'll discuss the definitions of profit margins, their formulas, and how to calculate them. We'll also explore the differences between gross and net profit margins, the significance of profit margins in your business, and strategies to improve them. By the end of this article, you'll have a comprehensive understanding of profit margins and how they can help drive your business forward. Definition of Profit Margin Profit margin refers to the percentage of a company's sales that is retained as profit. It provides an insight into how much money a business makes for each dollar of revenue generated. In other words, it indicates the efficiency of a company in converting sales into profits. There are two main types of profit margins: gross profit margin and net profit margin. Gross Profit Margin Gross profit margin is the percentage of revenue remaining after deducting the cost of goods sold (COGS) from total sales. This margin measures the efficiency of a company in managing its production costs and is a key indicator of a company's financial health. Formula: Gross Profit Margin = (Gross Profit / Total Sales) Net Profit Margin Net profit margin, also known as the bottom line, is the percentage of revenue remaining after deducting all business expenses, including COGS, operating expenses, taxes, and interest. This margin measures a company's overall profitability, taking into account all costs associated with running the business. Formula: Net Profit Margin = (Net Profit / Total Sales) How to Calculate Profit Margins To calculate profit margins, you'll need to gather financial data from your company's income statement. The gross profit margin requires total sales and the cost of goods sold, while the net profit margin requires total sales and net profit. Once you have this information, apply the respective formulas mentioned above to calculate the profit margins. Differences Between Gross and Net Profit Margins Gross profit margin focuses solely on the relationship between revenue and the cost of goods sold, highlighting the efficiency of production and inventory management. On the other hand, net profit margin takes into account all operating expenses, taxes, and interest, providing a more comprehensive view of a company's profitability. Comparing these two margins can help you identify potential areas of improvement in cost management and overall business operations. Importance of Profit Margins in Your Business Profit margins are vital to a business for several reasons: a. Financial Health: A healthy profit margin indicates that your company is generating adequate profits to cover its expenses, reinvest in growth opportunities, and provide returns to investors. b. Business Performance: Comparing profit margins across different periods can help you evaluate your company's performance, identify trends, and make informed decisions about future strategies. c. Industry Benchmarking: Analyzing profit margins within your industry can help you assess your company's competitiveness and identify potential areas for improvement. d. Attract Investors: A strong profit margin can make your business more attractive to investors, as it demonstrates the company's ability to generate profits and deliver returns on investment. Strategies to Improve Profit Margins To enhance your profit margins, consider the following strategies: a. Optimize pricing: Reevaluate your pricing strategy to ensure it reflects the value of your products or services and aligns with market demand. b. Increase operational efficiency: Streamline business processes and implement cost-saving measures to reduce overhead expenses. c. Focus on high-margin products or services: Identify and prioritize high-margin offerings to boost overall profitability.

A debt-to-equity ratio is a crucial financial metric for businesses, as it helps assess a company's financial leverage. This article will delve into the concept of debt-to-equity ratio, its importance, and the formula to calculate it. We will also discuss what constitutes a good debt-to-equity ratio and explore the long-term debt-to-equity ratio. Debt-to-Equity Ratio: The Basics The debt-to-equity ratio measures the proportion of a company's total liabilities to its total equity. It is a critical indicator of a company's financial health, as it shows the balance between borrowed funds and owners' investments. A higher ratio indicates that a company is more reliant on borrowed money to finance its operations, which can be risky. Conversely, a lower ratio suggests that a company relies more on owners' investments, which can be advantageous but may lead to lower returns for investors. Debt-to-Equity Ratio = Total Liabilities / Total Equity Let's take a fictional company called XYZ Corp. Its liabilities consist of $150,000 in long-term loans, $50,000 in short-term loans, and $30,000 in outstanding invoices. XYZ Corp's total equity is $200,000, consisting of $100,000 in common stock and $100,000 in retained earnings. Total Liabilities = $150,000 (long-term loans) + $50,000 (short-term loans) + $30,000 (outstanding invoices) = $230,000 Debt-to-Equity Ratio = $230,000 / $200,000 = 1.15 A Good Debt-to-Equity Ratio A generally good debt-to-equity ratio is between 1 and 1.5. This range indicates a balanced approach to financing operations, with a moderate reliance on borrowed funds and a considerable investment by owners. However, an acceptable ratio may vary depending on the industry and specific company circumstances. Long-Term Debt-to-Equity Ratio The long-term debt-to-equity ratio is another important metric that focuses on a company's long-term debt compared to its equity. This ratio is particularly useful for evaluating the financial health of companies with significant long-term obligations. Long-term Debt-to-Equity Ratio = Long-term Debt / (Common Stock + Preferred Stock) In this formula, "preferred stock" refers to a class of shares that often have fixed dividends and priority over common stock in dividend payments and asset distribution in case of liquidation. "Common stock" represents the basic ownership shares of a company, with voting rights and dividend payments based on company performance. Understanding the debt-to-equity ratio is essential for every business, as it helps assess financial leverage and risk. A good ratio is typically between 1 and 1.5, indicating a balance between borrowed funds and owners' investments. The long-term debt-to-equity ratio is another valuable metric that focuses on long-term debt in relation to equity. By monitoring these ratios, businesses can make informed decisions about financing and growth strategies to help plan for the future. It's essential to be aware that a high debt to equity ratio can impact your business loan approvals. Each industry comes with its own unique risks and standard debt to equity ratios. To determine your eligibility for financing and what you qualify for, complete our online application today, and we'll provide you with the loan options you're approved for.

FLEXIBLE FUNDING SOLUTIONS Trust Capital is a direct lender located in the greater Boston area, providing business funding for over 15 years. Get a free quote now and see the benefits of working with a US based private lender. FASTER. EASIER. SMARTER. CONTACT US GET FUNDS IN AS LITTLE AS 24 HOURS! Get an instant preapproval, with no impact to your credit score! Do you own a business? arrow&v Time in Business arrow&v State arrow&v Enter your desired loan amount What is your average monthly gross revenue? arrow&v Submit Submit APPLY FUNDS FOR NOW. FLEXIBILITY FOR TOMORROW. RECENT CLOSINGS View Recent Closings... arrow&v You’re passionate about your business. So are we. Our team at Trust Capital Funding specializes in providing loans for small businesses with big dreams. That’s why our funding solutions are personally-tailored to each of our clients. Solutions that give you the flexibility to grow your business and the freedom to love doing it. Trust Capital is a direct lender offering funding solutions based on your company's revenue, not your personal credit. It's faster. It's easier. It's a smarter way for small businesses to get the crucial funding they need to grow. While we have national reach, we are a boutique firm that forges individual relationships with each of our clients. Our size allows us to be innovative. We can move faster than larger institutions, and we can adapt and change as you adapt and change. We want to know your business. We want to know your name. We want to help you grow every step of the way. FLEXIBLE & PERSONAL FUNDING Small businesses need to be flexible. So does their funding. That's why Trust Capital offers financing solutions that are uniquely-tailored to fit the needs of small, growing businesses. LEARN MORE >> CONTACT US APPLY FUNDING PROGRAMS Revenue Based Financing Business Line of Credit Traditional Banking Products Merchant Processing / Cash Advance Franchise Funding Commercial Real Estate ERC Tax Credit CONTACT US >> May 2 2 min Trust Capital Funding: Same Day Funding – A Game Changer In the fast-paced business world, access to instant capital can mean the difference between seizing an opportunity or missing it... Apr 20 3 min Understanding Profit Margins: Definition, Formula, and Their Importance in Your Business Learn about profit margin formulas, how to calculate them, and the differences between gross and net profit margins. Apr 11 2 min Understanding the Debt to Equity Ratio: A Comprehensive Guide Learn the formulas for calculating debt to equity ratio and how it can influence your business's success. SMALL BUSINESSES. BIG DREAMS. CONTACT US Contact LET'S TALK FUNDING ! Trust Capital Funding, LLC 10 Kearney RD, Suite 102 Needham, MA 02494 ​ ​ ​ Toll Free: 1-800-LENDER1 Tel: 617-795-2100 ​ ​ ​ Info@TrustCapitalFunding.com We do NOT provide Personal Loans, ONLY BUSINESS FINANCING Minimum $10,000 in Monthly Revenue and 1 year in business to qualify Submit Privacy Policy Thank you for your submission. Someone will contact you shortly

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Trust Capital Funding LLC Privacy Policy This Privacy Policy has been updated effective July 1, 2022. ​ ​ Overview This Privacy Policy (“Policy”) applies to data collected by Trust Capital Funding LLC, doing business under the Trust Capital brand (collectively with their respective affiliates, “Trust Capital Funding LLC,” “Us,” Our” or We”), a provider of business loan products and related services (collectively “Services”). The Policy has two parts: • Part 1 provides our U.S. Privacy Policy, including our Privacy Policy for trustcapitalfunding.com (“Website”), which is owned and operated by Trust Capital Funding LLC. This Policy describes how Trust Capital Funding LLC collects and uses the personal information you provide (directly or through third parties), or which is automatically generated when you interact with our Website, and our mobile application (“Mobile App”). • Part 2 is our California Supplement, which provides our California Consumer Privacy Act of 2018 (“CCPA”) Privacy Policy. The CCPA provides various rights to consumers who reside in California with regard to personal information. A natural person, including a business owner or guarantor, is considered to be a consumer under the CCPA. Any terms defined in the CCPA have the same meaning when used in Part 2. Part 1: Trust Capital Funding LLC US Privacy Policy This Privacy Policy describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”). Information We Collect We collect the following information from you: • Contact information such as name, business name, email address, mailing address, and phone number; • Financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number; • Social security number; • Unique identifiers such as user name and password, and IP address; • Business information including company size, and business type, and • Beneficial ownership information* In addition to collecting information via our Website and Mobile App, we may also conduct a site visit to collect information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a Trust Capital Funding LLC customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service. * When required in the U.S., we will collect information on the beneficial owners of our business customers for purposes of verifying their identity only. The U.S. Government implemented the beneficial ownership regulation to help deter financial crimes. By complying, we are doing part in upholding the regulation to protect the financial system. Pursuant to our privacy policies and procedures, we will maintain beneficial ownership information in our system of record. Use of Information We use the information we collect to: • Compile, save, use and analyze your Personal Information in both a personally identifiable form and as part of aggregated data; • Operate, maintain, improve, and provide to you the Service and to conduct our business, including our own lending and referring you to third party small business lenders; • Verify your identity and conduct appropriate diligence; • Register you as a user and identify you when you sign into your account; • Process your business’ application and determine whether or not your business qualifies for one of our loan products; • Process your business loan product account, including deducting automatic payments; • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications; • Post and review your comments on our blog; • Conduct research and analyses to better understand our customers; and • Produce data analytics and reports containing de-identified summaries of Personal Information and other information that is not Personal Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated and will not identify you. Privacy and Sharing of Information Trust Capital Funding LLC may share your information with its affiliated entities for business purposes, such as financial reporting. Should you apply to Trust Capital or its affiliated entities for a financial product or service, Trust Capital Funding LLC may share your application status, borrowing history, and loan performance. Trust Capital Funding LLC will share your Personal Information with third parties only in the ways that are described in this Privacy Policy and as required by law. Neither Trust Capital Funding LLC (or any of its affiliated entities) will sell your Personal Information to third parties. We will provide your Personal Information, which may include application information, to our trusted business partners, third party lenders of Trust Capital Funding LLC products, service providers, and subsidiaries and affiliates to provide financing and/or to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out by email at mail@trustcapitalfunding.com by postal mail at the contact information listed below. In addition, we may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing performance or as otherwise provided in the Tracking Technologies part herein. Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. For example, our Careers page utilizes white-labeling techniques. Please be aware that in these instances you are providing your Personal Information to these third parties and not to Trust Capital Funding LLC. We may also disclose your Personal Information: • As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding; • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity; • If Trust Capital Funding LLC is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information; and • To any other third party with your prior consent to do so. User Access and Choice If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at info@trustcapitalfunding.com or by contacting us by postal mail at the contact information listed below. We will respond to your request within 30 days. We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Opt-Out Policy Trust Capital Funding LLC and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from Trust Capital Funding LLC and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at mail@trustcapitalfunding.com or by postal mail at the contact information listed below. Tracking Technologies Trust Capital Funding LLC and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org . Log Files As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality. Behavioral Advertising/Re-Targeting We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about your activities on this Website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by emailing mail@trustcapitalfunding.com Please note this does not opt you out of being served advertisements. You will continue to receive generic advertisements. Security of Information Trust Capital Funding LLC takes the security of your information very seriously. Your information is securely sent to Trust Capital Funding with 128 bit-encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a bank account number) on our order forms, we encrypt the transmission of that information. If you have any questions about the security of your personal information, you can contact us at info@trustcapitalfunding.com If you allow Trust Capital Funding LLC to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Trust Capital Funding employees cannot view your banking username and passwords. Additional Information Links to 3rd Party Sites Our Website includes links to other websites whose privacy practices may differ from those of Trust Capital Funding LLC and its affiliated entities. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit. Blog/Forum Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your Personal Information from our blog or community forum, contact us by email at mail@trustcapitalfunding.com or by postal mail at the contact information listed below. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. Testimonials We display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at info@trustcapitalfunding.com or by postal mail at the contact information listed below. Social Media Widgets Our Website includes social media features, such as the Facebook “Like” button. These features may collect your IP address, which pages you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it. Changes to This Policy We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email or by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Contact Information General Queries: If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at info@trustcapitalfunding.com , or with a letter by postal mail to: Trust Capital Funding LLC ATTN: Marketing 10 Kearney Rd Ste 102 Needham, MA 02494 USA To opt-out of marketing communications: please use one of the communication methods below, and include your full name and business mailing, email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists. 1. Send an email to mail@trustcapitalfunding.com 2. Send a letter to: Trust Capital Funding LLC ATTN: Marketing Opt-Out 10 Kearney Rd Ste 102 Needham, MA 02494 USA Trust Capital Funding LLC Privacy Policy Part 2: California Supplement: CCPA Policy Information We Collect We collect the following categories of information from you, which may include the following: • Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number/tax ID number, driver’s license number, passport number or other similar identifiers. We use this information to identify you, process your application and access your personal credit bureau report, if you are a guarantor or business owner. • Personal Information such as your name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, employment history, bank account number or other financial information. We use this information to identify you, process your application and access your personal credit bureau report, if you are a guarantor or business owner. • Protected classification characteristics under California or Federal Law such as age (date of birth). We use this information to confirm your identity and that you are old enough to enter into a loan contract. • Commercial information, including records of personal property and personal credit information. We may consider this information when processing your application. • Internet or other electronic network activity information, including, but not limited to, browsing history (Trust Capital Funding LLC pages visited), device ID, device type and information regarding a consumer’s interaction with Trust Capital Funding LLC’s Internet Web site, application, or advertisement. We use this information to analyze the use of our website and for fraud screening. • Geolocation Data We collect this information for fraud prevention purposes. • Audio, or similar information Interactions with Trust Capital Funding LLC sales staff, underwriters and customer service agents are recorded for monitoring and training purposes. • Professional or employment-related information We may use this when underwriting our loans. • Inferences drawn from any of the information categorized above This information may be used for credit and fraud analysis and to target future offers. Personal information does not include: • Publicly available information from government records. • De-identified or aggregated information. • Information excluded from the CCPA’s scope, such as: o Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPPA). o Personal information covered by certain privacy laws, such as the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA) and the Driver’s Privacy Protection Act of 1994. We obtain the categories of personal information listed above from the following categories of sources: • Directly from our applicants, clients, or their agents. For example, information provided as part of the loan application or related processes. • Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them. • Directly and indirectly from activity on our website (info@trustcapitalfunding.com ). For example, from submissions though our website portal or website usage details collected automatically. • From third parties that interact with us in connection with the services we perform. For example, from referral partners and brokers who provide us with loan applications or credit reporting agencies that provide us with information regarding a guarantor’s or business owner’s credit history. Use of Information: We use the information we collect to: • Compile, save, use and analyze your Personal Information in both a personally identifiable form and as part of aggregated data. • Operate, maintain, improve, and provide you with services. • Conduct our business, including our own lending, and refer your business to third party small business lenders. • Verify your identity and conduct appropriate diligence. • Review for potentially fraudulent activity. • Register you as a user and identify you when you sign in to your account. • Process your business’ application and determine whether or not your business qualifies for one of our loan products. • Process your business loan product account, including deducting automatic payments from your business bank account. • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications related to your business. • Post and review your comments on our blog. • Conduct research and analyses to better understand our customers. • Produce data analytics and reports containing de-identified summaries of Personal Information and other information that is not Personal Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated and will not identify you. View More