by capital-guru | Oct 27, 2026 | Insights
When reviewing a financing arrangement, many borrowers focus on the loan amount, interest rate and monthly instalment. But there is another part of the structure that is equally important: Who is the Borrower? Who is the Mortgagor? And who is the Guarantor? These...
by capital-guru | Oct 15, 2026 | Insights
For homeowners carrying substantial personal debt, un-locking property equity through refinancing appears to be the obvious solution. Here is the catch, the very debt they are trying to clear can also prevent them from qualifying for refinancing. That was the...
by capital-guru | Oct 11, 2026 | Insights
Property financing can become especially challenging when time is running out. In this case, Company A was referred to CapitalGuru with its OTP expiring in just 3 days. The Option to Purchase had already been extended once, and the case had previously gone through two...
by capital-guru | Oct 4, 2026 | Insights
Every employee has a life outside work, and employee personal problems do not simply disappear when they arrive at the office door. Family conflict, financial stress, relationship difficulties, caregiving responsibilities, health concerns and emotional challenges can...
by capital-guru | Sep 29, 2026 | Insights
For many SMEs, property refinancing starts with one question: “Which bank is offering the lowest interest rate?” But a lower rate does not automatically mean a better deal. For businesses that already own commercial or industrial property, refinancing has to be timed...
by capital-guru | Sep 17, 2026 | Insights
Part 3: What should SMEs check before switching lendersBuying a commercial or industrial property can be a major milestone for an SME. After deciding in Part 1: Buy or Rent for Your Business that ownership makes sense, the next question is how to finance the purchase...
