Michael Torres

Michael Torres

Small Business Lending Specialist

SBA Loans & Business Financing

Michael Torres has spent years on the lending side of small business finance, structuring SBA loans and lines of credit and seeing why applications get approved or rejected. He shows owners how lenders actually read their numbers. At Small Biz Finance Guide he covers SBA loans and business financing.

Articles by Michael Torres

Gusto vs ADP Payroll: Which Costs Less for Small Business

7 min read

27% of Businesses Use Both: Line of Credit vs Credit Card

7 min read

LLC vs S Corp: Which Structure Saves You More Tax?

9 min read

The Fed Signals No Cuts in 2026: What Small Business Borrowers Should Do Now

8 min read

Build Business Credit Without Affecting Personal Credit

8 min read

Where To Sell Small Business Products Online

7 min read

Maximize Tax Deductions by Combining Bonus Depreciation and Section 179

7 min read

Commercial Mortgages: Your Complete Financing Guide

9 min read

Stop Losing Money To Wage And Hour Violations

7 min read

How to Use 100% Bonus Depreciation to Cut Your 2026 Tax Bill

7 min read

Why Your Business Needs Umbrella Insurance Coverage

8 min read

IRS Audit Red Flags Every Small Business Owner Should Know

6 min read