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

Self-Employment Tax Explained: 15.3% Rate Breakdown

6 min read

LLC Startup Costs: Breaking Down State Fees and Requirements

8 min read

Pass-Through Taxation Explained: How It Works for Your Business

8 min read

11 Best Accounting Software Options Compared

9 min read

Schedule C Explained: Self-Employment Tax & Deductions

9 min read

Enrolled Agent vs CPA: Which Tax Pro You Actually Need

8 min read

Solo 401k vs SEP IRA: Which Saves Small Owners More

9 min read

Payroll Service Comparison: Top Options for Small Businesses

9 min read

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