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Vince Calio

Content Writer
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Vince Calio has been a writer for Kapitus since 2021. Before that, he spent three years operating a dry-cleaning store in Rahway, NJ that he inherited before selling the business, so he’s familiar with the challenges of operating a small business. Prior to that, Vince spent 14 years as both a financial journalist and content writer, most notably with Institutional Investor News and Crain Communications.

Vince Calio

Vince Calio's Top Post

Hands at a keyboard. A small business owner wonders How much working capital does your small business need?
7 minutes / October 19, 2026Fast Business Loans
How Much Working Capital Does Your Small Business Need?by Vince Calio

Key Takeaways Balance your operating cushion: Aim for an assets-to-current liabilities ratio between 1.5x and 2x to ensure your business can absorb unexpected disruptions without locking away capital that could drive growth. Tailor reserves to your industry and revenue cycle: Companies dealing with seasonal slowdowns, thin margins or heavy equipment maintenance require significantly larger cash […]

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Vince Calio's Latest Posts

Hands at a keyboard. A small business owner wonders How much working capital does your small business need?
7 minutes
How Much Working Capital Does Your Small Business Need?
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Auto mechanic talking on the phone in his repair garage while researching how to prepare for a business loan for his small business.
7 minutes
How to Prepare for a Business Loan: What Lenders Look For
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Should I get my business loan from a bank vs. alternative lender?
18 minutes
Traditional Bank Vs. Alternative Lender: Which Is Better for Your Small Business
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Small Business Loan Application Checklist
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Small Business Loan Application Checklist
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4 minutes
What the Latest Federal Reserve Rate Cut Means for Small Business Owners
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How and when small businesses should prepare for the holiday season
6 minutes
Retail Holiday Prep: Tips for Small Business Owners 
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Tips for small businesses on winning federal contracts
6 minutes
How Small Businesses Can Win Government Contracts 
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How small businesses can use financing to deal with tariff chaos.
8 minutes
Stay Ahead of Tariffs with These Financing Tools – Updated Aug. 11, 2025
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How small business owners can plan for retirement
6 minutes
Retirement Planning for Small Business Owners 
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Small business loan application illustrating a guide to getting your first business loan
10 minutes
A Beginners Guide to Choosing Your First Business Loan 
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