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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

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Customer Acquisition Cost Definition and How It Impacts Profits 
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On the anniversary of prohibition, explore how businesses dealt with the new law (legally, of course), and apply those same lessons to your business today.
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Business Lessons from Prohibition
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SBA amends rule making it easier for small businesses to refinance debt to lower interest rate.
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New SBA Financing Rule in Effect
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Unsecured business line of credit
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What is an Unsecured Business Line of Credit?
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business loans for restaurants
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Complete Guide to Restaurant Loans
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business loans for nonprofits
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Financing Options for Nonprofits
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Rate Cuts
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Interest Rates Were Cut – Should I Apply for a Business Loan Now?
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When should your small business raise prices?
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Raising Your Prices to Combat Continued Inflation
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7 steps to building business credit
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How to Build Business Credit in 7 Steps
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Copyright 2026 Strategic Funding Source, Inc. All rights reserved. Kapitus and the Kapitus logo are registered trademarks of Strategic Funding Source, Inc. Loans made or brokered in California are either by Kapitus LLC, pursuant to License Number 60DBO-198798, or by Kapitus Equipment Finance LLC, pursuant to License Number 60DBO-210433.

Loans may be funded by WebBank. The specific lender will be identified in your agreement.

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