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We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The Beats Studio Buds + are among the best in-ear noise-cancelling earbuds on the market for both Apple and Android users. Compared to their predecessor, they have longer battery life and better ANC, plus a sleek design available in three colors. Right now, the Beats Studio Buds + earbuds are 41% off, bringing them down to $99.95 (originally $169.95). Beats Studio Buds + True Wireless Noise Cancelling Earbuds $99.95 at Amazon $169.95 Save $70.00 Get Deal Get Deal $99.95 at Amazon $169.95 Save $70.00 A more affordable alternative to AirPods (with the added perk of ANC and a more secure fit), the sound signature is bass-forward yet balanced, and, according to PCMag, “offer some of the best active noise cancellation we've experienced under $200,” which is even more attractive at the current $100 price point. The earpieces have a secure fit and come with four sizes of silicone ear tips. They have three mics, including a feed-forward, feedback, and voice-focused mic for crisp call quality. The Beats Studio Buds + support hands-free Siri, Bluetooth 5.3, and AAC and SBC codecs, though not AptX. While they don’t have an H2 chip like the AirPods Pro, they do have a longer continuous battery life. You’ll get around nine hours without ANC on, plus an additional 27 hours of battery life from the charging case. With ANC on, battery life will decrease to around 6-18 hours. It will take approximately two hours to fully charge from empty, and five minutes of charging will give you around an hour of battery life. Whether you’re using them for your daily commute, travel, or workouts, the Beats Studio Buds + earbuds are a comfortable and secure pick for everyday use—especially if you want to block out background noise—and that value gets even stronger when you combine that impressive noise cancellation with a 41% discount. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $224.00 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $321.00 (List Price $349.00) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $329.00 (List Price $399.00) Fire TV Stick 4K Plus Streaming Player With Remote (2025 Model) — $29.99 (List Price $49.99) Bose TV Speaker — $199.00 (List Price $279.00) Deals are selected by our commerce team View the full article

A reader writes: I run a small healthcare practice and recently had a difficult transition with a long-time employee that I’m trying to learn from. Sarah worked for me for about five years as our director of business development and marketing lead. During that time, I invested heavily in her development through training, tools, and absorbing the inevitable mistakes that come with someone growing into a role. She worked remotely, set her own schedule, had significant autonomy, and earned well above the market rate. I also referred clients to a small side business she ran. About six months ago, she told me she had “outgrown” the organization professionally and wanted to change the relationship from employee (W-2) to contractor (1099). I raised some concerns about that transition, which led to an emotional conversation. Shortly afterward, she followed up with an email summarizing the conversation as though I supported the transition. As we tried to work out the details, it became clear she didn’t fully understand the legal and structural differences between W-2 and 1099 work. Once we started mapping out the contract, she realized that many of the duties she previously handled could not legally remain part of a contractor relationship, meaning the scope and compensation would likely be smaller than she expected. She was upset and accused me of not being supportive. After a lot of negotiation, we eventually arrived at a contract that met the legal definition of a 1099 relationship, and my company became one of her clients for several marketing services (social media, blog writing, online ads, and outreach). Almost immediately after the transition, the quality of her work dropped significantly. When I raised concerns about deliverables, she responded by unilaterally removing two services from the agreement. Our contract allowed 30 days’ notice to terminate the agreement but did not allow individual services to be withdrawn while the contract remained active. At that point, I concluded it made more sense to transition to a new marketing firm rather than continue the relationship. The whole situation has been frustrating because I feel like I lost someone I invested heavily in and tried to support. In hindsight, I also suspect she may not have actually wanted the contractor arrangement once she understood the implications, but by that point the relationship had already shifted. My questions are: When a valued employee pushes for a transition from employee to contractor, how should a manager handle that conversation? Is it generally a mistake to agree to become a client of a former employee to preserve the investment you’ve made in developing that employee? How do you avoid entirely losing someone you’ve invested in when they push for a change like this? I’m trying to understand what I could have done differently so I don’t repeat this situation in the future. As a small business, a loss like this is huge. I feel nervous investing in the future, and I can’t shake the feeling I should’ve handled this differently. The first thing is to accept that you will always lose employees who you invested in eventually, and that’s okay! If you try to stop that from happening at all costs, you can end up making choices that don’t serve the organization well. So first and foremost: be okay with the idea that people will move on and that it’s a natural and unavoidable thing that will happen in running a business. I say that because it sounds like this all stemmed from you trying to find a way to hold on to Sarah, even if that arrangement didn’t make sense for the business. Instead, when Sarah told you she felt she’d outgrown the organization, it probably would have been better to wish her well and make a clean break. There are times when converting a valued employee to contractor status can make sense for all parties. If you look at what the employee is proposing and can come up with an arrangement that makes sense for both of you — not just “we’ll agree because we’re desperate to keep them,” but truly makes sense — then great. But you shouldn’t agree just because they suggest it. In Sarah’s case, it sounds like you were searching for a way to make things work even when you had significant reservations. It would have been okay, and probably better, to turn down the contract conversion — if not at the start, then definitely after your conversations revealed that you were so out of sync on what it should look like. You could do that without it being adversarial; it’s perfectly supportive to say, “I would love to keep working together, but we really need the person doing this work to be an employee. If that can’t be you anymore, I understand.” You’ve framed this as wanting to figure out how not to lose the investment you’ve made in a good employee. But benefitting from your investment in a good employee doesn’t mean “they stay here forever.” It means your investment pays off in their good work while they’re there and in how their work hopefully sets the next person up for success. It also might pay off in the satisfaction it brings you to work with someone who you’ve seen grow and develop. But they will eventually find other opportunities and move on, and that’s just inherently part of running a business and employing people. You will make better decisions for the business and for yourself when you’re okay with that. The post my long-time employee pushed to become a contractor … and the relationship fell apart appeared first on Ask a Manager. View the full article

If you shelved your inbound strategy this past year, you can shelve your Inbound conference mugs and swag with it. HubSpot renamed its annual Inbound conference in Boston this September to Unbound. A note on the event site explains the thinking: “This evolution is our response to that reality. INBOUND is becoming UNBOUND because growth no longer fits within a single framework or function. Today, it covers marketing, sales, service, and operations across the full customer journey in an AI-driven environment. UNBOUND reflects that expanded reality and the mindset required to lead through it.” Inbound is outbound. HubSpot pioneered inbound marketing, which uses content and search rankings to attract visitors, then convert them on-site. Recent Google core updates appeared to hurt the HubSpot blog, possibly because its content drifted from core topics like CRM, sales, and marketing into broader business areas like interview tips. Inbound strategy has declined as search shifts from platforms like Google to LLMs like ChatGPT, which drive fewer clicks to websites. From inbound to loop marketing. In 2025, HubSpot introduced its Loop marketing strategy to replace inbound. Loop focuses educating consumers in an AI-driven world. The conference rebrand acknowledges that no single framework works for you in today’s marketing landscape. View the full article

We may earn a commission from links on this page. Maybe it's that post-Oscar buzz, but in March, America's most-streamed films are a highbrow bunch. From 16th-century Shakespearean grief to moody Norwegian family dramas, the most-watched movies in the country were actually good. But we are not a boring nation, so there are wicked diversions like Ready or Not and The Housemaid in the mix too. Here are the top 10 movies across all streaming platforms for March 2026, according to Just Watch. Hamnet (2025) Good job having elevated taste, America. The number one streaming movie in March was Hamnet, a lyrical historical drama that reimagines the family life of William Shakespeare and his wife, Agnes Hathaway. Set in Stratford-upon-Avon in the 16th century, Hamnet explores the couple's grief following the death of their 11-year-old son, Hamnet, and its influence on Shakespeare's Hamlet. The film was nominated for eight Oscars, including Best Picture and Best Director, but it only took home one: Jessie Buckley won Best Actress. Stream Hamnet on Peacock. Sentimental Value (2025) Another unexpectedly highbrow flick sits at number two on the streaming charts: Sentimental Value is a moody Norwegian drama about suicide and generational familial trauma. Directed by Joachim Trier, Sentimental Value tells the story of two sisters, Nora (Renate Reinsve) and Agnes (Inga Ibsdotter Lilleaas), who are forced to confront their past when their estranged father, Gustav (Stellan Skarsgård) reappears to offer Nora the lead in a film. Sentimental Value won two Oscars: Best International Film and Best Original Screenplay. Stream Sentimental Value on Hulu. The Secret Agent (2025) This Brazillian neo-noir political thriller is set in the late 1970s, at the end of Brazil's military dictatorship. Wagner Moura stars as Armando Solimões, a former professor who has been classified as an enemy of the state and forced into hiding. Although it didn't win any Academy awards, The Secret Agent was nominated for four, including Best Picture, Best Actor (Moura), Best International Film, and Best Casting. It has a nearly perfect 98% Fresh rating on Rotten Tomatoes. Stream The Secret Agent on Hulu. Ready or Not (2019) Unlike the rest of the movies on this list, Ready or Not was not nominated for any Academy awards, but it won a richly deserved Fangoria Chainsaw Award in 2020. It's here because the sequel was in theaters in March. Ready or Not is an unapologetically gleeful black comedy in which murder and mayhem are cranked up to 11. Grace (Samara Weaving) is overjoyed that she's marrying into the super-wealthy Le Domas family, until she learns that about the old family tradition of playing deadly games of hide-and-seek. Guess who's "it." Stream Ready or Not on Hulu. One Battle After Another (2025) Paul Thomas Anderson's nuanced, intelligent thriller about resistance and race in a fascistic, anti-immigration United States has become an instant classic. Featuring fantastic performances from heavyweights like Leonardo DiCaprio, Sean Penn, Benicio Del Toro, and Regina Hall, One Battle After Another is that rare movie that's equal parts thoughtful and exciting. It was nominated for 13 Oscars and won six, including Best Picture and Best Director. Stream One Battle After Another on HBO Max. Sinners (2025) This one-of-kind flick mashes up so many styles, it's practically its own genre. A historical/horror/ensemble romance/drama/comedy/musical exploring race and historical prejudice in the United States, Sinners tells its story through both song and vampire violence. It is absolutely top-notch in every cinematic way, which is probably why it earned a record 16 Oscar nominations. Stream Sinners on HBO Max and Prime Video. War Machine (2026) Netflix's War Machine is a fast-paced sci-fi action movie in which a squad of Army Rangers on a training exercise are confronted with a robot from outer space bent on destroying them. Led by action titan Alan Ritchson (known for Reacher), the squad trade their blank rounds for live ammunition to try to stop a seemingly invincible, mechanical hunter. If you like movies like Predator or Commando, you don't want to miss this one. Stream War Machine on Netflix. Zootopia 2 (2025) Since its release in November 2025, this whimsical animated sequel has been delighting critics and audiences. Judy Hopps and Nick Wilde return to track a mysterious pit viper named Gary De’Snake who has infiltrated Zootopia. To crack the case, the iconic duo must go undercover in uncharted parts of the metropolis. Stream Zootopia 2 on Disney+. Bugonia (2025) I love when a weirdo movie finds a big audience, and Bugonia is that movie. Jesse Plemons and Aidan Delbis play a couple of societal dregs who kidnap a high-powered pharmaceutical executive (Emma Stone) because they think she's an alien. Directed by Yorgos Lanthimos, who helmed 2023's excellent Poor Things, the Best Picture Oscar nominee is a must-watch, even if you're only a little weird. (And if you want more weirdness, it's based on an even odder South Korean film called Save the Green Planet.) Stream Bugonia on Peacock. Nuremberg (2025) Nuremberg is the true story of Lt. Col. Douglas Kelley (Rami Malek), a U.S. Army psychiatrist tasked with evaluating the mental fitness of Nazi kingpin Hermann Göring (Russell Crowe). Through the psychological and intellectual duel between the idealistic psychiatrist and the charismatic Göring, Nuremberg explores the nature of evil and the toll it takes on those who fight it. Stream Nuremberg on Netflix. View the full article

Bombardment prompted Iran to halt passage of oil tankers through Strait of HormuzView the full article

Samsung is saying goodbye to its namesake texting app, at least for United States customers. According to an end of service announcement published on the tech giant’s U.S. support website, Samsung Messages will be discontinued in July. Impacted owners of Samsung smartphones and other gadgets are being asked to switch to Google Messages in the meantime, “to maintain a consistent messaging experience on Android.” All Samsung Galaxy phones run on Google’s Android operating system. To switch to Google Messages, Samsung’s website gives users instructions to download the app from the Play Store, if not already on their phone, and set it as the default. Some people may also receive an in-app notification to guide them through the process. Samsung says switching to Google Messages will give users access to updates like the latest artificial intelligence features from Google’s Gemini — which includes an experimental feature called “Remix” to generate images during conversations and AI-powered reply suggestions — and the ability to share higher quality photos between Android and Apple iOS devices through RCS-enabled messages. Users of older Android operating systems (dating back to Android 11 or older) will not be impacted by the end of Samsung Messages, the company noted. To check what Android OS you have on a Samsung device, open the settings app, click on “software information” and scroll to “Android version.” Meanwhile, owners of Samsung’s latest Galaxy 26 lineup and other newer phones cannot download the Samsung Messages app from the Galaxy Store today. All devices will no longer be able to download Samsung Messages after it’s officially discontinued in July, the company noted. Samsung said users can check their app for the exact date for when service will go offline. Samsung confirmed in an update on its website Tuesday that this end of service guidance only applies to the U.S. market. —Associated Press View the full article

In a stark reminder of the potential pitfalls of government-backed financial assistance, a South Carolina businessman has pleaded guilty to misusing COVID-19 relief funds intended to support struggling small businesses. David Breen, 54, from Mount Pleasant, faces significant penalties after admitting to diverting over $1.2 million from the Economic Injury and Disaster Loan (EIDL) program for personal expenses, including home construction and luxury vehicle purchases. The EIDL program was designed to provide critical funding to small businesses severely impacted by the COVID-19 pandemic. Breen applied for these funds under the guise of supporting his entertainment venue, ‘Pinz,’ located in Milford, Massachusetts. He initially received approximately $1.5 million to be used for working capital. However, he misappropriated the majority of this amount, buying a home and down payments on high-end vehicles instead. This case highlights the urgent need for small business owners to understand both the responsibilities that come with accepting government assistance and the risks associated with mismanaging these funds. Currently, Breen faces a maximum penalty of 10 years in prison, as federal authorities increasingly scrutinize instances of COVID-related fraud. In March 2022, after securing the EIDL funds, Breen’s financial mismanagement came to light, sparking an investigation by federal agencies. U.S. District Court Judge Margaret R. Guzman has scheduled sentencing for June 25, 2026, emphasizing that such actions violate public trust and can result in severe legal consequences. U.S. Attorney Leah B. Foley remarked, “The misuse of COVID-19 funds will not be tolerated. Our office is committed to prosecuting those who seek to exploit federal relief programs.” This statement underscores the seriousness with which federal agencies are approaching cases of fraud. While the EIDL program provided a lifeline to many legitimate small businesses during a time of unprecedented economic hardship, the Breen case illustrates the importance of ethical financial practices. Business owners should be acutely aware that all funds must be used transparently and strictly for their intended purposes. Moreover, as the pandemic continues to fade into the background for many, the fallout from fraudulent activities remains a pressing concern. The U.S. Department of Justice (DOJ) has launched initiatives such as the COVID-19 Fraud Enforcement Task Force to combat and prevent fraud related to pandemic relief programs. This task force collaborates with various agencies to enhance investigative efforts and hold fraudulent actors accountable. Small business owners should take heed of the ever-evolving landscape of regulatory compliance and financial management. Ensuring adherence to program guidelines not only safeguards businesses from potential legal troubles but also preserves the credibility of relief programs designed to assist those genuinely in need. The economic implications of the Breen case are profound. For small businesses that correctly utilize EIDL funding for operational and recovery needs, there remains a substantial opportunity for growth and stability in the post-pandemic recovery phase. Given the current climate, building a transparent financial framework that complies with federal guidelines can help maintain access to future funding opportunities. Furthermore, the public can report suspected fraud through the Department of Justice’s National Center for Disaster Fraud (NCDF) Hotline. Business owners and community members alike are encouraged to maintain vigilance and integrity in their financial dealings to prevent future misuse. The key takeaway here for small business owners is straightforward: understanding the responsibilities tied to government funding is crucial. Awareness of oversight regulations will help you avoid the penalties associated with misuse of funds while taking full advantage of the relief available during challenging economic times. For full details on the case and further updates from the U.S. Small Business Administration, visit the original post here. Image via Google Gemini This article, "South Carolina Businessman Guilty of Misusing $1.2M in COVID Relief Funds" was first published on Small Business Trends View the full article

In a stark reminder of the potential pitfalls of government-backed financial assistance, a South Carolina businessman has pleaded guilty to misusing COVID-19 relief funds intended to support struggling small businesses. David Breen, 54, from Mount Pleasant, faces significant penalties after admitting to diverting over $1.2 million from the Economic Injury and Disaster Loan (EIDL) program for personal expenses, including home construction and luxury vehicle purchases. The EIDL program was designed to provide critical funding to small businesses severely impacted by the COVID-19 pandemic. Breen applied for these funds under the guise of supporting his entertainment venue, ‘Pinz,’ located in Milford, Massachusetts. He initially received approximately $1.5 million to be used for working capital. However, he misappropriated the majority of this amount, buying a home and down payments on high-end vehicles instead. This case highlights the urgent need for small business owners to understand both the responsibilities that come with accepting government assistance and the risks associated with mismanaging these funds. Currently, Breen faces a maximum penalty of 10 years in prison, as federal authorities increasingly scrutinize instances of COVID-related fraud. In March 2022, after securing the EIDL funds, Breen’s financial mismanagement came to light, sparking an investigation by federal agencies. U.S. District Court Judge Margaret R. Guzman has scheduled sentencing for June 25, 2026, emphasizing that such actions violate public trust and can result in severe legal consequences. U.S. Attorney Leah B. Foley remarked, “The misuse of COVID-19 funds will not be tolerated. Our office is committed to prosecuting those who seek to exploit federal relief programs.” This statement underscores the seriousness with which federal agencies are approaching cases of fraud. While the EIDL program provided a lifeline to many legitimate small businesses during a time of unprecedented economic hardship, the Breen case illustrates the importance of ethical financial practices. Business owners should be acutely aware that all funds must be used transparently and strictly for their intended purposes. Moreover, as the pandemic continues to fade into the background for many, the fallout from fraudulent activities remains a pressing concern. The U.S. Department of Justice (DOJ) has launched initiatives such as the COVID-19 Fraud Enforcement Task Force to combat and prevent fraud related to pandemic relief programs. This task force collaborates with various agencies to enhance investigative efforts and hold fraudulent actors accountable. Small business owners should take heed of the ever-evolving landscape of regulatory compliance and financial management. Ensuring adherence to program guidelines not only safeguards businesses from potential legal troubles but also preserves the credibility of relief programs designed to assist those genuinely in need. The economic implications of the Breen case are profound. For small businesses that correctly utilize EIDL funding for operational and recovery needs, there remains a substantial opportunity for growth and stability in the post-pandemic recovery phase. Given the current climate, building a transparent financial framework that complies with federal guidelines can help maintain access to future funding opportunities. Furthermore, the public can report suspected fraud through the Department of Justice’s National Center for Disaster Fraud (NCDF) Hotline. Business owners and community members alike are encouraged to maintain vigilance and integrity in their financial dealings to prevent future misuse. The key takeaway here for small business owners is straightforward: understanding the responsibilities tied to government funding is crucial. Awareness of oversight regulations will help you avoid the penalties associated with misuse of funds while taking full advantage of the relief available during challenging economic times. For full details on the case and further updates from the U.S. Small Business Administration, visit the original post here. Image via Google Gemini This article, "South Carolina Businessman Guilty of Misusing $1.2M in COVID Relief Funds" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. Attention Kindle readers: Amazon may soon end support for your e-reader. Now, if you recently acquired a Kindle—recently meaning anytime in the past 10 years—you don't need to worry. But for anyone who is still rocking an older Kindle, you might be affected. The news started spreading on Tuesday, followed by a confirmation from Amazon. In a statement to PCMag, Amazon said the following: “Starting May 20, 2026, customers using Kindle and Kindle Fire devices released in 2012 and earlier will no longer be able to purchase, borrow, or download new content via the Kindle Store.” Amazon's first ever Kindle dropped back in 2007, which means there are five years worth of devices that the company is ending support for. That includes: Kindle 1st Generation (2007) Kindle DX and DX Graphite (2009 and 2010) Kindle Keyboard (2010) Kindle 4 (2011) Kindle Touch (2011) Kindle 5 (2012) Kindle Paperwhite 1st Generation (2012) Kindle Fire 1st Gen (2011) Kindle Fire 2nd Gen (2012) Kindle Fire HD 7 (2012) Kindle Fire HD 8.9 (2012) As with most device deprecations, Amazon is not killing Kindles released in 2012 and beyond. If you have an older Kindle from this time, it will continue to work, and you will be able to read on it—you just won't be able to access the Kindle Store. That might not be a dealbreaker: You can still read your existing books, or add any new titles by hand. But you won't be able to borrow books with library apps like Libby, which is how a huge number of readers use their Kindles. The issue gets worse if something happens to your device, like if you need to deregister or factory reset it. Amazon says in this case, "you will not be able to re-register or use these devices in any way." Amazon will be reaching out to affected customers directly via email, explaining the situation, and offering those users 20% off new Kindle devices as well as $20 ebook credits following the purchase of a new device. That code is valid through June 20th, 2026, at 11:59 p.m. Amazon Kindle Paperwhite (2024) $159.99 at Amazon Get Deal Get Deal $159.99 at Amazon What to do if you have an older Kindle deviceE-readers aren't really like smartphones: It's not really about having the latest and greatest features, since, for most situations, you're using your e-reader to, well, read—and often just black and white text, at that. If your 2012 or older Kindle is still doing that just fine, you might not feel a need to spend the money on an upgrade—even with Amazon's discount. Luckily, you do have some options here. First, you can continue to use the Kindle Store for now, so if you like buying ebooks, you can load up your Kindle until it gets shut off. But the long-term option is to start "sideloading" (or manually uploading) your ebooks to your device. One of the most popular apps for manually managing your ebook library is Calibre, which acts like a sort of iTunes for ebooks. You can customize each book's data (such as choosing to swap out covers), and convert ebook formats to Kindle's proprietary AZW3. While there are certainly illegal ways to obtain ebooks and sideload them to your Kindle, there are plenty of legitimate methods to buying books like this as well. That way, you can still buy your ebooks, convert them to Amazon's format, then upload them to your Kindle, without having to unnecessarily upgrade your device. View the full article

Getting a seat at the Masters is notoriously difficult, with tickets to the golf tournament only available to the public through an online lottery that has to be entered a year in advance. But the Masters may have an even more exclusive offering than attendance: a limited edition garden gnome potentially worth thousands of dollars. In 2016, Augusta National, the Georgia golf course that hosts the Masters every year, released the first gnome of what is now a coveted set of ten. Each year, the gnome sports a different outfit. Sometimes it’s a golfer, sporting a set of clubs and a sweater vest. Sometimes it’s an attendee, flexing its badge and a signature Masters snack like a peach ice cream sandwich. The new gnome for 2026 is rocking khakis, a puffer vest, and a functional umbrella that it can hold folded up or open overhead. As TikTok user Madison Hall shared in a video showing off her family’s collection of all ten gnomes, the figures frequently sell out early in the day. “My mom gets in line for this every year,” Hall said. “Crack of dawn, she will be there.” What makes these gnomes so special? They’re not particularly expensive to buy firsthand, going for $49.50 at Augusta National. But each gnome has a very limited run, only sold in person during the Masters and with a strict limit of one gnome per customer. That makes it the perfect collector’s item, and resellers have given the less-than-luxury figurines a luxury price tag. Tiny statues with massive mark-ups Though resale markets will always hike up the prices of limited edition goods, the going rates for Masters gnomes are particularly egregious, with merchandise that originally sold for $50 or less now fetching hundreds and even thousands of dollars on secondhand markets like eBay. Thus far, the most treasured gnome is the original from 2016, with two current eBay listings offering it for $9,499.99 and for $12,999 (the latter gnome is still in its box, hence the $3,500 jump in price). Last summer, one 2016 gnome sold for $10,195 at The Golf Auction after a bidding war. The auction sold nine Masters gnomes in total for $13,101, with four of those gnomes going to the same collector. The gnomes are even more valuable as a set. One eBay seller is offering all nine gnomes released from 2016 to 2025, still in mint condition in their boxes, for $39,900. Though the 2026 gnome only went on sale this week, presale listing on eBay appeared as soon as its design was announced at the end of March. As golfing app Wunderpar delved into on TikTok, resellers were offering to stand in line and purchase a gnome on a buyer’s behalf—to the tune of $800. Now that the actual gnomes are on the market, they’re on sale for rates between $500 and $750, but once the Masters conclude on April 12 and the gnomes are off the market, those numbers will likely only grow. The end of an era for Masters garden gnomes? The 2026 gnome could prove to be the most valuable of them all. Rumors are flying that it could be the last Masters gnome Augusta National ever produces, making the ten gnomes now on the resale market an official full set. A merchandising source close to Augusta National told Golf Digest that he’s “95 percent plus” certain that 2026’s gnome will be the last. It would make a nice, neat milestone to end on, exactly ten years after the first gnome’s release. But why would Augusta National pull the plug on such a popular piece of merchandise? That same source said the problem comes down to image. Long lines for merchandise and hopeful buyers camping out at the crack of dawn conjure images of Black Friday chaos, and that’s not the reputation (nor the guest experience) Augusta National wants to cultivate, he said. It’s true that resale-obsessed scalpers run counter to the Masters’s luxurious, refined image. But even if 2026 marks the final gnome release, their legacy as one of the sports world’s most exclusive items is already set in stone—or at least in resin. View the full article

Lowe’s Foundation is making a major investment in future skilled tradesworkers. On Tuesday, the home improvement retailer announced it would commit an additional $200 million to training 250,000 tradespeople by 2035 through its Gable Grants program, bringing its overall commitment to $250 million. The investment comes amid a rising need for skilled tradespeople driven by a surge in AI developments. According to JLL’s 2026 Global Data Center Outlook report, the global data center sector is expanding by about 14% a year. Over the next four years, nearly 100 gigawatts of capacity will be added, which will require a $3 trillion investment. At the same time, we’re seeing a massive wave of retirements in the trades, which is set to continue. One recent report found that by 2030, around 1.4 million blue collar jobs will be open over seven fields. Already, construction companies overwhelmingly reporting that they’re struggling to find enough skilled workers to meet demand. According to a 2025 Associated Builders and Contractors (ABC) report, which analyzed Bureau of Labor Statistics data, the construction industry needs to bring an estimated 499,000 workers this year to meet demand. It’s not the first time Lowe’s has invested in the trades. In 2023, the brand announced a $50 million commitment over five years. At the time, it said it was focused on addressing “one of the most critical worker shortages” in history, explaining that around 546,000 new tradespeople were needed to meet demand that year. Now, the brand is building on the program. “American prosperity is at stake, and we are partnering to solve the workforce gap with a gro,” Marvin Ellison, Lowe’s chairman and CEO and co-champion of the Business Roundtable “Skilled Trades for America” initiative, said in the announcement. Ellison continued, “No single organization can do this alone.” Lowe’s said it would aim to reach 250,000 people over the next decade by expanding partnerships with community colleges and nonprofits and by working with organizations that connect students with employers. Lowe’s is not the only company to invest in training blue collar workers. Earlier this month, Blackrock, the world’s largest asset manager, said it would commit $100 million in training tradesworkers to support a growing infrastructure demand. At the time, Larry Fink, Chairman and CEO of BlackRock, said, “ America needs an estimated $10 trillion in infrastructure investment by 2033 to modernize aging systems and build new energy, digital, and AI infrastructure.” Fink added, “Capital alone is not enough – people are central to building our nation’s future.” View the full article

National Wealth Fund gave Gigaclear £240mn guarantee three years ago and is now the biggest shareholder View the full article

A new Basel III proposal offers mixed results for warehouse lending, with some risk-weight relief for banks but tougher terms that could crimp credit availability for nonbank mortgage lenders. View the full article

After four rounds of Freelancer Madness — and lots of close calls and upsets — the biggest villain of freelancing has been crowned. And perhaps it will come as no surprise that the biggest villain of freelancing, as voted by freelancers, is the American Healthcare System. The original bracketThe American healthcare system beat out a worthy adversary — the Cost of Living — but we all know what a pain point healthcare is and has been for freelancers. With healthcare tied to employment, freelancers are left in the lurch, with few comprehensive healthcare options available. When the “One Big, Beautiful Bill” Act became law in July 2025, we knew this would only exacerbate an already precarious situation. The bill failed to extend the premium subsidies that lessen the cost of state marketplace health plans, added additional hoops for anyone seeking to purchase a plan through the marketplace, and gutted Medicaid. Freelancers power our economy. They’re tired of being left behind, and rightfully so. Per a healthcare survey we circulated in late 2025, 91% of freelancers said they want to see the ACA subsidies extended. 82% of freelancers said that access to healthcare is an issue that affects how they vote — a key touchpoint to consider ahead of the June 2026 midterm elections. While all sixteen of the entries into our Freelancer Madness bracket were worthy adversaries, each annoying pain points in their own right of daily freelancers, Freelancers Union is working towards a future where we hope to eliminate all of them. View the full article

After four rounds of Freelancer Madness — and lots of close calls and upsets — the biggest villain of freelancing has been crowned. And perhaps it will come as no surprise that the biggest villain of freelancing, as voted by freelancers, is the American Healthcare System. The original bracketThe American healthcare system beat out a worthy adversary — the Cost of Living — but we all know what a pain point healthcare is and has been for freelancers. With healthcare tied to employment, freelancers are left in the lurch, with few comprehensive healthcare options available. When the “One Big, Beautiful Bill” Act became law in July 2025, we knew this would only exacerbate an already precarious situation. The bill failed to extend the premium subsidies that lessen the cost of state marketplace health plans, added additional hoops for anyone seeking to purchase a plan through the marketplace, and gutted Medicaid. Freelancers power our economy. They’re tired of being left behind, and rightfully so. Per a healthcare survey we circulated in late 2025, 91% of freelancers said they want to see the ACA subsidies extended. 82% of freelancers said that access to healthcare is an issue that affects how they vote — a key touchpoint to consider ahead of the June 2026 midterm elections. While all sixteen of the entries into our Freelancer Madness bracket were worthy adversaries, each annoying pain points in their own right of daily freelancers, Freelancers Union is working towards a future where we hope to eliminate all of them. View the full article

If you’re considering securing a commercial loan for rental property, it’s essential to comprehend the various steps involved. First, you need to assess the property’s income potential and prepare a solid business plan that outlines your investment strategy. You’ll additionally want to guarantee your financial profile meets lender requirements, including maintaining a sufficient Debt Service Coverage Ratio. Grasping these elements is just the beginning, as the loan process can be complex and requires careful navigation. Key Takeaways Prepare a solid business plan detailing your investment strategy and projected rental income for the property. Ensure your Debt Service Coverage Ratio (DSCR) is at least 1.25 to demonstrate adequate income for debt payments. Maintain a strong financial profile, including two years of tax returns and proof of reserves for 2 to 6 months of payments. Be ready for a down payment of 20% to 30% of the property’s purchase price, as this is standard for commercial loans. Shop around and compare various lenders for the best interest rates, terms, and fees tailored to commercial real estate financing. Understanding Commercial Real Estate Loans When considering a commercial real estate loan, it’s essential to understand the unique characteristics that set it apart from residential mortgages. Commercial real estate loans are designed to finance income-producing properties like office buildings and warehouses, requiring larger down payments, typically between 20% and 30%. Unlike residential loans, their terms are shorter, often ranging from 5 to 20 years, which may lead to balloon payments at the end. The underwriting process for these loans focuses on the property’s income-generating potential rather than your credit score. This means lenders assess the financial health of the investment and your business plan. Furthermore, interest rates tend to be higher because of perceived risks, and upfront costs can include appraisal and legal fees. Various loan types, such as conventional, SBA, hard money, and bridge loans, cater to different investment strategies and financial situations, providing options to suit your needs. Qualifying for a Commercial Loan When you’re looking to qualify for a commercial loan, lenders will assess your financial health and the income potential of the property. You’ll need to present a solid business plan that outlines your investment strategy and expected earnings, as this plays a vital role in the evaluation process. Comprehending these requirements can help you prepare effectively and improve your chances of securing the financing you need. Financial Health Assessment A thorough financial health assessment is essential for qualifying for a commercial loan, as lenders focus on the property’s income-generating potential rather than individual credit scores. To improve your chances of approval, maintain a strong financial profile, including a solid business plan and proof of reserves, which should cover two to six months of mortgage payments. Typically, the down payment required for investment property ranges from 20-30% of the property’s value. In addition, lenders look for a Debt Service Coverage Ratio (DSCR) of at least 1.25, ensuring you can meet debt obligations. Prepare to provide documentation like two years of tax returns, financial statements, and property appraisals to support your financial situation during the qualification process. Property Income Potential Comprehending the property’s income potential is a key factor in qualifying for a commercial loan. Lenders focus primarily on projected rental income and cash flow, rather than your credit score. They often require a Debt Service Coverage Ratio (DSCR) of at least 1.25, meaning your net operating income should exceed 1.25 times your debt payments. Historical performance and current occupancy rates are likewise evaluated to guarantee consistent income generation. Furthermore, if you’re financing through an LLC or partnership, demonstrating strong financial health can improve your approval chances. A well-prepared business plan outlining the property’s location, market analysis, and projected income can greatly enhance your prospects. Criteria Details DSCR Requirement At least 1.25 Focus for Lenders Projected rental income Historical Performance Evaluate past income consistency Occupancy Rates Assess current tenant occupancy Entity Type LLC or partnership recommended Business Plan Requirements Developing a solid business plan is essential for qualifying for a commercial loan, as it serves as a roadmap that outlines the specifics of your investment. Your business plan requirements should include the property’s location, market analysis, and projected income to demonstrate its viability. Lenders expect detailed financial projections that show anticipated cash flow and expenses over the loan term, helping them assess the property’s income-generating potential. Furthermore, provide a thorough description of the property and its intended use, along with a strategy for acquisition and management. Highlight your experience in real estate or related fields, as this can positively influence loan approval chances. Finally, evidence of past successful investments can further strengthen your business plan, showcasing your capacity to manage the property effectively. Interest Rate and Fees When you’re considering a commercial loan for rental property, you’ll notice that interest rates are typically higher than those for residential loans, often ranging from 3% to 12%. Don’t forget about upfront fees, which can include appraisal, legal, and loan origination costs that add thousands to your total expenses. Market conditions and your financial profile play significant roles in determining both interest rates and fees, so it’s crucial to shop around and compare different lenders’ offers to find the best deal. Higher Interest Rates Comprehending the financial implications of obtaining a commercial loan for rental property is vital, especially since these loans typically come with higher interest rates than residential loans. When you’re investing in property, be prepared for interest rates that can range from 3% to 12%. These rates reflect the increased risk lenders associate with financing an investment property that generates income. Your financial profile and the property’s income potential greatly influence the rates you’ll receive. Moreover, shorter loan terms—often between 5 to 20 years—can lead to balloon payments if not structured properly. In the end, higher interest rates combined with the potential for substantial costs mean you should carefully evaluate your options before committing to a commercial loan. Upfront Fees Explained Comprehending the upfront fees associated with a commercial loan for rental property is essential to your investment strategy. When you pursue financing, expect to incur appraisal fees, legal fees, and loan origination fees, which can greatly increase your overall expenses. Interest rates typically range from 4% to 12%, reflecting the higher risk of commercial properties. Moreover, you’ll need to prepare for a larger down payment on investment property, usually around 20-30%, which directly impacts your initial investment. Be aware that lenders may likewise charge underwriting and processing fees, adding thousands to your costs. Since overall loan expenses can vary widely based on lender and borrower profiles, it’s important to shop around for the best offers. Market Condition Impact Grasping how market conditions affect commercial loans is essential for any rental property investor. Interest rates for investment lending can range from 3% to 12%, depending on perceived risks and current economic stability. These rates are directly influenced by trends set by the Federal Reserve. Furthermore, fees associated with commercial loans, such as appraisal, legal, and origination fees, typically add 1% to 3% to the loan value. Market conditions likewise impact the loan-to-value (LTV) ratio, often capped at 65% to 80%, which can limit your financing options. Be prepared for fluctuating rates and potential balloon payments at the end of your loan term, especially in a tightening credit environment. Comprehending these factors helps you make informed decisions. Down Payment Requirements When considering a commercial loan for rental property, you’ll commonly need to prepare a down payment ranging from 20% to 30% of the property’s purchase price. These down payment requirements for commercial loans reflect the higher risk associated with investment properties. Unlike residential mortgages, you typically won’t find down payment assistance programs for these loans, so having substantial upfront capital is essential. The exact percentage may vary based on the property type, lender policies, and your financial profile. For instance, SBA loans may allow for lower down payments. A strong financial profile can additionally help you negotiate better terms. Factor Impact on Down Payment Property Type Varies from 20% to 30% Lender Policies Different requirements apply Borrower’s Financial Profile May allow for negotiation SBA Loan Availability Potentially lower down payment Types of Commercial Real Estate Loans for Rental Properties Grasping the various types of commercial real estate loans for rental properties is crucial for making informed investment decisions. You have several options to evaluate. Conventional loans require strong credit and typically a 20% down payment, making them suitable for traditional rental properties like single-family homes. If you need quick financing, commercial bridge loans can help with immediate needs, though they usually come with higher interest rates. Conduit loans are another option, ideal for stabilizing income-generating properties, as they offer favorable terms for those with existing cash flow. Finally, hard money loans provide asset-based financing and typically have lower credit requirements, even if they carry higher interest rates. Each type of commercial real estate loan for rental property serves different investment strategies, with terms varying based on the property’s income potential and your financial profile. Comprehending these options can guide you in selecting the right loan for your needs. Assess Your Financial Situation Comprehending your financial situation is a vital step before applying for a commercial loan for rental property. Start by evaluating your credit score; lenders typically require a minimum score between 660 and 680 for approval. Next, review your financial history, including two years of tax returns, to show consistent income and stability. Don’t forget to assess your current debt load, as lenders will check your debt-to-income ratio to gauge your ability to handle new debt. It’s important to verify you have adequate reserves, usually two to six months’ worth of mortgage payments, to demonstrate financial stability. Finally, calculate your net worth by listing your assets and liabilities, providing a thorough view of your financial health. This detailed assessment won’t just help you understand your position but will additionally prepare you for discussions about real estate investment loans with potential lenders. Develop a Solid Business Plan A well-crafted business plan is vital for securing a commercial loan for rental property. Start by conducting a detailed market analysis that identifies your target demographic, local rental trends, and competition. This will demonstrate potential demand for the property, making it more appealing to lenders. Next, include financial projections, such as anticipated rental income, operating expenses, and cash flow analysis, to showcase the property’s income-generating potential. Highlight your strategy for property management, maintenance, and tenant acquisition, emphasizing your thorough approach to maximizing profitability. It’s also important to outline your funding strategy, detailing how much investment home financing you seek, the intended use of funds, and plans to cover cash flow shortfalls. Finally, present a well-defined exit strategy that illustrates your grasp of market dynamics, whether through a long-term hold or potential sale, providing lenders confidence in the investment’s viability. Choose the Right Lender When you’re looking to secure a commercial loan for your rental property, choosing the right lender can make all the difference in your financing experience. Start by researching various lending institutions, such as banks, credit unions, and online lenders, since they may offer different terms and rates for loans for rental property. Evaluate the lender’s specialization in commercial real estate loans, as those with experience can provide better insights and customized terms. Be sure to compare interest rates, fees, and loan structures to find the most favorable option. Consider the lender’s reputation and customer service, as effective communication and support can ease the application process. Moreover, look for lenders that offer pre-approval options to expedite financing and strengthen your position when making offers. Research various lending institutions Evaluate lender specialization Compare interest rates and fees Consider lender reputation and service Submit Your Loan Application Submitting your loan application is a critical step in securing financing for your rental property. To improve your chances of approval for investment house loans, make sure your documents are complete and accurate. This includes providing detailed financial statements, tax returns, and property information to strengthen your request. Most lenders will ask for an extensive business plan that outlines the property’s income potential, market analysis, and your investment strategy, which helps them assess the loan’s viability. Be prepared to make a down payment of 20-30%, as this shows your commitment and minimizes the lender’s risk. Moreover, anticipate upfront costs like appraisal, legal, and loan origination fees, which can increase your overall expenses. Frequently Asked Questions Can You Take Out a Business Loan for a Rental Property? Yes, you can take out a business loan for a rental property. These loans, often classified as commercial real estate loans, focus on the property’s income potential rather than your personal credit score. You’ll typically need a down payment of 20-30% and may face shorter repayment terms of 5 to 20 years. Lenders require a thorough business plan and various financial documents to assess the property’s cash flow and overall viability. How Much Deposit Do I Need for a Commercial Loan? For a commercial loan, you typically need a down payment of 20-30%. Most lenders require at least 25%, but the exact amount can vary based on the property type and your financial profile. A larger down payment can improve your loan terms and bolster your approval chances, as it signifies a stronger financial commitment. Furthermore, lenders often ask for proof of reserves to cover two to six months of payments, ensuring you can manage the loan. What Type of Loan Is Best for Commercial Property? When considering the best type of loan for commercial property, evaluate your investment goals. Conventional loans offer long-term stability with low rates but require a significant down payment. SBA loans are great for owner-occupied spaces, whereas hard money loans provide quick cash for short-term needs, albeit at higher rates. If you own multiple properties, blanket loans can simplify management. Choose the loan that aligns with your financial situation and property plans. How Much Do You Need to Put Down on a Commercial Property Loan? When considering a commercial property loan, you typically need to put down at least 20-30% of the purchase price. This amount varies depending on the lender and your financial profile. Strong borrowers might secure loans with as little as 10% down, especially with SBA loans for owner-occupied properties. Moreover, be aware of potential extra costs like appraisal and legal fees that can impact your total initial investment. Conclusion Securing a commercial loan for rental property involves careful planning and thorough preparation. By comprehending the loan types, evaluating your financial situation, and developing a solid business plan, you can improve your chances of approval. Remember to maintain a strong financial profile and shop around for the best lender options. With the right approach and necessary documentation, you’ll be well-equipped to navigate the lending process and achieve your investment goals. Image via Google Gemini This article, "How to Get a Commercial Loan for Rental Property" was first published on Small Business Trends View the full article

If you’re considering securing a commercial loan for rental property, it’s essential to comprehend the various steps involved. First, you need to assess the property’s income potential and prepare a solid business plan that outlines your investment strategy. You’ll additionally want to guarantee your financial profile meets lender requirements, including maintaining a sufficient Debt Service Coverage Ratio. Grasping these elements is just the beginning, as the loan process can be complex and requires careful navigation. Key Takeaways Prepare a solid business plan detailing your investment strategy and projected rental income for the property. Ensure your Debt Service Coverage Ratio (DSCR) is at least 1.25 to demonstrate adequate income for debt payments. Maintain a strong financial profile, including two years of tax returns and proof of reserves for 2 to 6 months of payments. Be ready for a down payment of 20% to 30% of the property’s purchase price, as this is standard for commercial loans. Shop around and compare various lenders for the best interest rates, terms, and fees tailored to commercial real estate financing. Understanding Commercial Real Estate Loans When considering a commercial real estate loan, it’s essential to understand the unique characteristics that set it apart from residential mortgages. Commercial real estate loans are designed to finance income-producing properties like office buildings and warehouses, requiring larger down payments, typically between 20% and 30%. Unlike residential loans, their terms are shorter, often ranging from 5 to 20 years, which may lead to balloon payments at the end. The underwriting process for these loans focuses on the property’s income-generating potential rather than your credit score. This means lenders assess the financial health of the investment and your business plan. Furthermore, interest rates tend to be higher because of perceived risks, and upfront costs can include appraisal and legal fees. Various loan types, such as conventional, SBA, hard money, and bridge loans, cater to different investment strategies and financial situations, providing options to suit your needs. Qualifying for a Commercial Loan When you’re looking to qualify for a commercial loan, lenders will assess your financial health and the income potential of the property. You’ll need to present a solid business plan that outlines your investment strategy and expected earnings, as this plays a vital role in the evaluation process. Comprehending these requirements can help you prepare effectively and improve your chances of securing the financing you need. Financial Health Assessment A thorough financial health assessment is essential for qualifying for a commercial loan, as lenders focus on the property’s income-generating potential rather than individual credit scores. To improve your chances of approval, maintain a strong financial profile, including a solid business plan and proof of reserves, which should cover two to six months of mortgage payments. Typically, the down payment required for investment property ranges from 20-30% of the property’s value. In addition, lenders look for a Debt Service Coverage Ratio (DSCR) of at least 1.25, ensuring you can meet debt obligations. Prepare to provide documentation like two years of tax returns, financial statements, and property appraisals to support your financial situation during the qualification process. Property Income Potential Comprehending the property’s income potential is a key factor in qualifying for a commercial loan. Lenders focus primarily on projected rental income and cash flow, rather than your credit score. They often require a Debt Service Coverage Ratio (DSCR) of at least 1.25, meaning your net operating income should exceed 1.25 times your debt payments. Historical performance and current occupancy rates are likewise evaluated to guarantee consistent income generation. Furthermore, if you’re financing through an LLC or partnership, demonstrating strong financial health can improve your approval chances. A well-prepared business plan outlining the property’s location, market analysis, and projected income can greatly enhance your prospects. Criteria Details DSCR Requirement At least 1.25 Focus for Lenders Projected rental income Historical Performance Evaluate past income consistency Occupancy Rates Assess current tenant occupancy Entity Type LLC or partnership recommended Business Plan Requirements Developing a solid business plan is essential for qualifying for a commercial loan, as it serves as a roadmap that outlines the specifics of your investment. Your business plan requirements should include the property’s location, market analysis, and projected income to demonstrate its viability. Lenders expect detailed financial projections that show anticipated cash flow and expenses over the loan term, helping them assess the property’s income-generating potential. Furthermore, provide a thorough description of the property and its intended use, along with a strategy for acquisition and management. Highlight your experience in real estate or related fields, as this can positively influence loan approval chances. Finally, evidence of past successful investments can further strengthen your business plan, showcasing your capacity to manage the property effectively. Interest Rate and Fees When you’re considering a commercial loan for rental property, you’ll notice that interest rates are typically higher than those for residential loans, often ranging from 3% to 12%. Don’t forget about upfront fees, which can include appraisal, legal, and loan origination costs that add thousands to your total expenses. Market conditions and your financial profile play significant roles in determining both interest rates and fees, so it’s crucial to shop around and compare different lenders’ offers to find the best deal. Higher Interest Rates Comprehending the financial implications of obtaining a commercial loan for rental property is vital, especially since these loans typically come with higher interest rates than residential loans. When you’re investing in property, be prepared for interest rates that can range from 3% to 12%. These rates reflect the increased risk lenders associate with financing an investment property that generates income. Your financial profile and the property’s income potential greatly influence the rates you’ll receive. Moreover, shorter loan terms—often between 5 to 20 years—can lead to balloon payments if not structured properly. In the end, higher interest rates combined with the potential for substantial costs mean you should carefully evaluate your options before committing to a commercial loan. Upfront Fees Explained Comprehending the upfront fees associated with a commercial loan for rental property is essential to your investment strategy. When you pursue financing, expect to incur appraisal fees, legal fees, and loan origination fees, which can greatly increase your overall expenses. Interest rates typically range from 4% to 12%, reflecting the higher risk of commercial properties. Moreover, you’ll need to prepare for a larger down payment on investment property, usually around 20-30%, which directly impacts your initial investment. Be aware that lenders may likewise charge underwriting and processing fees, adding thousands to your costs. Since overall loan expenses can vary widely based on lender and borrower profiles, it’s important to shop around for the best offers. Market Condition Impact Grasping how market conditions affect commercial loans is essential for any rental property investor. Interest rates for investment lending can range from 3% to 12%, depending on perceived risks and current economic stability. These rates are directly influenced by trends set by the Federal Reserve. Furthermore, fees associated with commercial loans, such as appraisal, legal, and origination fees, typically add 1% to 3% to the loan value. Market conditions likewise impact the loan-to-value (LTV) ratio, often capped at 65% to 80%, which can limit your financing options. Be prepared for fluctuating rates and potential balloon payments at the end of your loan term, especially in a tightening credit environment. Comprehending these factors helps you make informed decisions. Down Payment Requirements When considering a commercial loan for rental property, you’ll commonly need to prepare a down payment ranging from 20% to 30% of the property’s purchase price. These down payment requirements for commercial loans reflect the higher risk associated with investment properties. Unlike residential mortgages, you typically won’t find down payment assistance programs for these loans, so having substantial upfront capital is essential. The exact percentage may vary based on the property type, lender policies, and your financial profile. For instance, SBA loans may allow for lower down payments. A strong financial profile can additionally help you negotiate better terms. Factor Impact on Down Payment Property Type Varies from 20% to 30% Lender Policies Different requirements apply Borrower’s Financial Profile May allow for negotiation SBA Loan Availability Potentially lower down payment Types of Commercial Real Estate Loans for Rental Properties Grasping the various types of commercial real estate loans for rental properties is crucial for making informed investment decisions. You have several options to evaluate. Conventional loans require strong credit and typically a 20% down payment, making them suitable for traditional rental properties like single-family homes. If you need quick financing, commercial bridge loans can help with immediate needs, though they usually come with higher interest rates. Conduit loans are another option, ideal for stabilizing income-generating properties, as they offer favorable terms for those with existing cash flow. Finally, hard money loans provide asset-based financing and typically have lower credit requirements, even if they carry higher interest rates. Each type of commercial real estate loan for rental property serves different investment strategies, with terms varying based on the property’s income potential and your financial profile. Comprehending these options can guide you in selecting the right loan for your needs. Assess Your Financial Situation Comprehending your financial situation is a vital step before applying for a commercial loan for rental property. Start by evaluating your credit score; lenders typically require a minimum score between 660 and 680 for approval. Next, review your financial history, including two years of tax returns, to show consistent income and stability. Don’t forget to assess your current debt load, as lenders will check your debt-to-income ratio to gauge your ability to handle new debt. It’s important to verify you have adequate reserves, usually two to six months’ worth of mortgage payments, to demonstrate financial stability. Finally, calculate your net worth by listing your assets and liabilities, providing a thorough view of your financial health. This detailed assessment won’t just help you understand your position but will additionally prepare you for discussions about real estate investment loans with potential lenders. Develop a Solid Business Plan A well-crafted business plan is vital for securing a commercial loan for rental property. Start by conducting a detailed market analysis that identifies your target demographic, local rental trends, and competition. This will demonstrate potential demand for the property, making it more appealing to lenders. Next, include financial projections, such as anticipated rental income, operating expenses, and cash flow analysis, to showcase the property’s income-generating potential. Highlight your strategy for property management, maintenance, and tenant acquisition, emphasizing your thorough approach to maximizing profitability. It’s also important to outline your funding strategy, detailing how much investment home financing you seek, the intended use of funds, and plans to cover cash flow shortfalls. Finally, present a well-defined exit strategy that illustrates your grasp of market dynamics, whether through a long-term hold or potential sale, providing lenders confidence in the investment’s viability. Choose the Right Lender When you’re looking to secure a commercial loan for your rental property, choosing the right lender can make all the difference in your financing experience. Start by researching various lending institutions, such as banks, credit unions, and online lenders, since they may offer different terms and rates for loans for rental property. Evaluate the lender’s specialization in commercial real estate loans, as those with experience can provide better insights and customized terms. Be sure to compare interest rates, fees, and loan structures to find the most favorable option. Consider the lender’s reputation and customer service, as effective communication and support can ease the application process. Moreover, look for lenders that offer pre-approval options to expedite financing and strengthen your position when making offers. Research various lending institutions Evaluate lender specialization Compare interest rates and fees Consider lender reputation and service Submit Your Loan Application Submitting your loan application is a critical step in securing financing for your rental property. To improve your chances of approval for investment house loans, make sure your documents are complete and accurate. This includes providing detailed financial statements, tax returns, and property information to strengthen your request. Most lenders will ask for an extensive business plan that outlines the property’s income potential, market analysis, and your investment strategy, which helps them assess the loan’s viability. Be prepared to make a down payment of 20-30%, as this shows your commitment and minimizes the lender’s risk. Moreover, anticipate upfront costs like appraisal, legal, and loan origination fees, which can increase your overall expenses. Frequently Asked Questions Can You Take Out a Business Loan for a Rental Property? Yes, you can take out a business loan for a rental property. These loans, often classified as commercial real estate loans, focus on the property’s income potential rather than your personal credit score. You’ll typically need a down payment of 20-30% and may face shorter repayment terms of 5 to 20 years. Lenders require a thorough business plan and various financial documents to assess the property’s cash flow and overall viability. How Much Deposit Do I Need for a Commercial Loan? For a commercial loan, you typically need a down payment of 20-30%. Most lenders require at least 25%, but the exact amount can vary based on the property type and your financial profile. A larger down payment can improve your loan terms and bolster your approval chances, as it signifies a stronger financial commitment. Furthermore, lenders often ask for proof of reserves to cover two to six months of payments, ensuring you can manage the loan. What Type of Loan Is Best for Commercial Property? When considering the best type of loan for commercial property, evaluate your investment goals. Conventional loans offer long-term stability with low rates but require a significant down payment. SBA loans are great for owner-occupied spaces, whereas hard money loans provide quick cash for short-term needs, albeit at higher rates. If you own multiple properties, blanket loans can simplify management. Choose the loan that aligns with your financial situation and property plans. How Much Do You Need to Put Down on a Commercial Property Loan? When considering a commercial property loan, you typically need to put down at least 20-30% of the purchase price. This amount varies depending on the lender and your financial profile. Strong borrowers might secure loans with as little as 10% down, especially with SBA loans for owner-occupied properties. Moreover, be aware of potential extra costs like appraisal and legal fees that can impact your total initial investment. Conclusion Securing a commercial loan for rental property involves careful planning and thorough preparation. By comprehending the loan types, evaluating your financial situation, and developing a solid business plan, you can improve your chances of approval. Remember to maintain a strong financial profile and shop around for the best lender options. With the right approach and necessary documentation, you’ll be well-equipped to navigate the lending process and achieve your investment goals. Image via Google Gemini This article, "How to Get a Commercial Loan for Rental Property" was first published on Small Business Trends View the full article

A reader writes: I’m a long-time reader. I often see you advise writers to get advice from an attorney. You even once covered how to tell your current employer you are bringing in an attorney. I’m seeking advice on an ADA matter, but I’ve run into a weird issue. It seems these days, most firms have a policy where they simply won’t talk to you about your current employer. I’ve actually been told by multiple firms to “call back when I get fired.” If there is a possibility I’m in the wrong, I’d very much rather know now, before it gets that far. I suspect this is a result of firms using a contingency model where they only get paid if you win a lawsuit or settlement. That’s great if you already have a case to file (such as being wrongfully fired) but not great if you are still trying to avoid one and just need some advice. I tried to find a firm that might let me pay a fee for an hour but have not been able to find any. Is there anything else I can do, or am I out of luck? Do employment lawyers just not do advice anymore? I asked employment lawyer Jon Hyman of Wickens Herzer Panza, who writes the incredibly useful Ohio Employer Law Blog and is the author of The Employer Bill of Rights: A Manager’s Guide to Workplace Law, to weigh in on this. Here’s his very helpful answer: Much of the plaintiff-side employment bar has moved to a contingency model. No termination, no clear damages, no case — at least not one they can monetize. So they screen aggressively. Pre-termination counseling? That’s harder to value, harder to win, and harder to scale. But that doesn’t mean advice has disappeared. It just means your reader is looking in the wrong places. First, not every employment lawyer works on contingency. Many — especially management-side lawyers — bill hourly and regularly advise on ADA compliance, accommodations, and interactive process issues. Yes, they typically represent employers. But plenty will consult with individuals on a paid basis. Your reader isn’t asking them to sue anyone, but for guidance. Second, look beyond “employment litigation” firms. Search for “employment counseling,” “HR compliance,” or even “labor and employment boutique.” Those practices are built around advice, not lawsuits. Third, consider bar association referral services. They often steer you to lawyers willing to do short, paid consults. Lawyers still give advice. You just have to find the ones who get paid to prevent problems instead of profit from them. The post employment lawyers won’t talk to me until I’ve already been fired — how do I find a legal consult now? appeared first on Ask a Manager. View the full article

It’s a tough time to own fast-food restaurants. Franchisees for popular chains such as Applebee’s, Subway, and Popeyes Louisiana Kitchen have filed for bankruptcy recently, and another has joined them. Multiple entities associated with Friendly Franchisees Corporation (FFC), owner of 65 Carl’s Jr. locations across California, have filed for Chapter 11 bankruptcy, Restaurant Business first reported. Carl’s Jr. was founded almost 85 years ago and is known for its charbroiled burgers. FFC has yet to state whether any Carl’s Jr. locations will close as a result of the bankruptcies. Its founder, Harshad Dharod, owns the five associated entities that filed for bankruptcy in U.S. District Court for the Central District of California, including Sun Gir, DFG Restaurants, and Second Star Holdings. Fast Company has reached out to FFC and Harshad Dharod for comment and will update this post if we hear back. In each case, the entities have assets and liabilities worth less than $50,000. Will Carl’s Jr. locations close? While franchises aren’t owned by the brand, related bankruptcies could reflect poorly on the chain. Carl’s Jr. seems intent on placing the blame elsewhere. “We are aware that Carl’s Jr. franchisee Harshad Dharod entities and its affiliates, which together independently own and operate certain Carl’s Jr. restaurants in California, have entered into a court-supervised restructuring process under Chapter 11 of the United States bankruptcy code,” a company representative told Fast Company. “This situation is specific to this individual’s financial and business circumstances.” The statement from Carl’s Jr. continued: “This has no impact on the operations of any other Carl’s Jr. locations and we remain committed to delivering quality experiences for our guests, while driving profitable, sustainable growth for our franchisees and the brand.” Carl’s Jr. is owned by Tennessee-based CKE Restaurants Holdings, which also owns Hardee’s. View the full article

AI bot activity surged 300% in 2025, with media and publishing among the most targeted sectors, according to a new Akamai report. Why we care. AI bots are reshaping how content is discovered and consumed, shifting users from search clicks to instant answers in chat interfaces. Publishers are seeing fewer visits from organic search and often don’t get attribution in AI-generated answers. It’s also eroding ad and subscription models. The threat is real. Publishers now face two threats: Training bots that ingest content for models. Fetcher bots that extract real-time content for immediate answers. These pose the bigger risk because they capture value as it’s created. The impact. Pageviews are declining, costs are rising (because scraping bots increase infrastructure costs by consuming server and CDN resources without generating revenue), and brand visibility is weakening. AI chatbot referrals drive ~96% less traffic than traditional search Users click cited sources in AI answers only ~1% of the time What publishers are doing. Publishers are adopting nuanced controls (rather than blanket blocking AI bots), such as: Monitoring and classifying bot traffic. Selectively blocking or slowing malicious scrapers (e.g., tarpitting). Allowing approved bots tied to licensing or partnerships. What they’re saying. According to Akamai’s report: “These bots are not just a security nuisance, they represent a profound business challenge that threatens the sustainability of quality journalism in an age dominated by zero-click searches and AI-generated content.” “The publishing industry today faces an existential crisis … Many readers and visitors still value trustworthy reporting and original content. Yet, instead of clicking through search results, users now turn to AI-driven platforms like ChatGPT and Gemini for instant answers and summaries.” What’s next? A “pay-per-crawl” model is emerging. Tools like identity verification (Know Your Agent) and platforms like TollBit aim to authenticate bots and charge for access in real time. The goal is to turn scraping into a measurable, monetizable transaction instead of uncontrolled extraction. About the data. The report analyzed Akamai bot management data from July to December 2025, covering application-layer traffic across websites, apps, and APIs. The report. SOTI Security Insight Series: Navigating the AI Bot Era (registration required) View the full article

Millions of Android users are now eligible to claim some cash from Google as part of a $135 million settlement. If you have a qualifying device, you could receive up to $100 once the final approval hearing is completed in June. What is this Android settlement about? This settlement is part of a class-action lawsuit filed earlier this year alleging that Google collected unnecessary data from Android users over cellular networks in the background and without permission—even when Google apps were closed and location sharing disabled. Google denied any wrongdoing but agreed to a $135 million payout along with a commitment to implement additional disclosures shown during Android device setup. Who is eligible for a payment? The settlement provides benefits for anyone in the U.S. with a mobile device running Android OS through a cellular network between Nov. 12, 2017 and the final settlement approval date sometime this year. Note that this does exclude wifi-only devices. Residents of California who are part of the Csupo v. Google LLC also are ineligible for payouts are part of this suit. The exact per-user payment has yet to be determined, as it depends on how many people are eligible for the settlement. Payouts are capped at $100, though the total could be significantly less if the estimated 100 million class members receive equal amounts. How to claim your Android settlement paymentIf you are eligible for payment from this settlement, you should receive a personalized notice by mail or email. The email subject line is "Class Action Notice of Settlement —Taylor v. Google LLC." We've found it in spam, so check that folder if you believe you qualify and haven't received notice. Then, go to the settlement website and enter your notice ID and confirmation code to select a preferred payment method. If you don't go through this process, the settlement administrator will still try to send your funds automatically—however, there's a risk you may not receive them. Since payments will be issued regardless, the only deadline, May 29, is to object or exclude yourself from the settlement class. The final approval hearing is scheduled for June 23. For questions about the settlement or payouts, contact info@federalcellularclassaction.com. View the full article

Don’t waste your efforts by shortchanging your planning. By August Aquila MAX: Maximize Productivity, Profitability and Client Retention Go PRO for members-only access to more August J. Aquila. View the full article

Don’t waste your efforts by shortchanging your planning. By August Aquila MAX: Maximize Productivity, Profitability and Client Retention Go PRO for members-only access to more August J. Aquila. View the full article

Muse Spark ‘purpose-built’ for social media apps as investors question huge AI investment View the full article

The most famous dead person to ever wear sunglasses just might be Bernie Lomax. Until now. Because the namesake for the 1989 hit comedy Weekend at Bernie’s was a fictional character, but you dear reader, you are very real. Liquid Death just announced its newest collab, this time with sunglasses brand Pit Viper, to make what its calling “Sunglasses for Dead People.” According to Liquid Death, 87% of people who have near-death experiences report seeing a blinding bright light. That’s not an exact science, but the canned water brand isn’t letting that get in the way of a good bit. Available on Pit Viper’s site for $119, the limited-edition shades feature shatterproof, durable lenses with 100% UVA/UVB protection, and every pair comes with what the brand calls a 100% after-lifetime guarantee: if the sunglasses break or fail to protect your eyes from the light that (allegedly) awaits us all, Pit Viper will replace them, no questions asked. The shades, which may or may not make you look like a cool outfielder, are just the latest mortality-themed project from Liquid Death that is pitched as a product for the afterlife. In February, the brand dropped a $495 urn with Spotify that featured an internal Bluetooth speaker in order to play your ashes an “eternal playlist.” Both ridiculous products perfectly embody Liquid Death’s overall brand collaboration strategy, that above all, values comedy you can touch and feel. At the Fast Company Grill at SXSW in March, Liquid Death’s vice-president of creative Andy Pearson told me, “It’s not funny to say, ‘Hey, what if we made something.’ It’s funny to make the thing,” said Pearson. “It’s funny to make adult diapers that are made of pleather so you don’t have to go to the bathroom at a concert, or a Bluetooth-enabled urn so you can play music into your ashes forever. It only becomes truly funny when it actually exists in the world. So we’ve put a lot of stock into making real things.” The brand’s entertainment-driven, social media-focused approach has been credited for its strong appeal among young consumers, amassing more than 14.5 million followers across TikTok and Instagram. In 2024, new funding valued Liquid Death at $1.4 billion, and last year the brand expanded into iced tea and energy drink categories. Deadly collab strategy When I spoke to Liquid Death’s vice-president of marketing Dan Murphy about the Spotify urn, he outlined three key pillars of the brand’s overall collab strategy. First is the Liquid Death Universe Filter. At the core of every collaboration is a simple creative question: “If you take another brand or celebrity into the Liquid Death universe, what is the one right answer?,” said Murphy. Second is mutual business value, where collaborating with other brands offers specific business advantages that working with individual celebrities doesn’t. “We find a lot of brands that are interested in our unique audience value our creativity,” he says. “We do everything in house—film, produce, direct—so we’re seen as a bit of an agency and production company. Partners see that value, and then we’ll find brands that will cover some production hard costs and allow us to extend our marketing budget, bringing what they do best to the table.” And the third pillar is quality and quantity. Going back to what Pearson said about really making the thing is what makes it funny, making something of quality just makes the joke even better. In terms of quantity, limited runs have been successful in driving demand and awareness, with each collab often having between 200 and 500 pieces available. “We want to do enough that people can have them, but also realize some of these very specific things have become more collectible when it’s not a mass product,” said Murphy. “Many things that we do, they sell out in less than a day, and you see them on eBay immediately.” While always amusing, these collabs serve to bring Liquid Death to a broader audience, whether it’s Pit Viper shades, Spotify, or e.l.f. beauty. In exchange for Liquid Death’s creative muscle, collaborating brands typically invest in the production costs and media spend behind it. With Spotify, for example, it custom programmed the Eternal Urn playlist on its platform, tapping into users’ Spotify history and likes. That not only customizes it for each user, but get Liquid Death on Spotify in a way it never could on its own. First we get an urn, now a pair of shades, what could be next for Liquid Death’s deceased demographic? Maybe collab with Ring on a coffin cam, or Scott’s Miracle-Gro on composting yourself, or maybe Hugo Boss “Last Suit You’ll Ever Wear.” The possibilities may never die. View the full article