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How to Decide Whether to take a Loan for a Commercial Real Estate or Not

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Any owner of successful real estate always thinks about whether or not to expand or renovate his business. And the fact that you want to expand it to another location is a sign that your business is thriving. But the problem lies in the buying and renovating which is an expensive procedure, and whether it is worth it or not.

The task is difficult but isn’t an impossible one. But to upgrade, you either need to save funds or take a loan. The question lies on, whether or not to take a loan, though the answer is easy. Yes, you should take a loan. And there are numerous sources like Finansis which provide loans at low interest rates.

Did you know, that all the commercial property prices were at an all time high in early 2019. Small business owners had few options of taking loans. This helps them to find the capital for renovating and expanding.

The commercial real estate loans run anywhere from between tens to thousands and millions of dollars. Your loan application has a part where you explain your lender why you need the amount you want. Also, you need to take into account the fees and expenses related to your loan.

But in order to invest, you also need to carefully plan.

There are many types of loans available in the real estate. One of them is traditional commercial real estate. Though many places offer the loans, but the lowest rates are in the banks. It is the best way to get your loan for business. But getting loan for a real estate is tricky and nearly impossible. Once you make it, you know there is no other downside.

Another form of loan is the SBA Commercial real estate loans. When the small businesses do not get loans from the bank they turn to SBA(Small business administration). Also there are two options for real estate- the general purpose 7(a) loan program and the 504/CDC loan program.

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Business

Scaling Success: Why Smart Habits Beat Growth Hacks in Modern eCommerce

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There’s a romanticized image of the eCommerce founder: a daring risk-taker chasing the next big idea, fueled by late-night caffeine and last-minute inspiration. But the reality behind scaled, sustainable brands tells a different story. Success in digital commerce doesn’t come from chaos or clever hacks. It comes from habits. Repetitive, structured, often unglamorous habits.

Change, a digital platform created by eCommerce strategist Ryan, builds its entire philosophy around this truth. Through education, mentorship, and infrastructure, Change helps founders shift from scrambling for quick wins to building strong systems that grow with them. The company doesn’t just offer software. It provides the foundation for digital trade, particularly for those in the B2B space.

The Habits That Build Momentum

At the heart of Change’s philosophy are five core habits Ryan considers non-negotiable. These aren’t buzzwords; they’re the foundation of sustainable growth.

First, obsess over data. Successful founders replace guesswork with metrics. They don’t rely on gut feelings. They measure performance and iterate.

Second, know your customer deeply. Not just what they buy, but why they buy. The most resilient brands build emotional loyalty, not just transactional volume.

Third, test fast. Algorithms shift. Consumer behavior changes. High-performing teams don’t resist this; they test weekly, sometimes daily, and adapt.

Fourth, manage time like a CEO. Every decision has a cost. Prioritizing high-impact actions isn’t optional; it’s survival.

Fifth, stay connected to mentorship and learning. The digital market moves quickly. The remaining founders are the ones who keep learning, never assuming they know it all. 

Turning Habits into Infrastructure

What begins as personal discipline must eventually evolve into a team structure. Change teaches founders how to scale their systems, not just their sales.

Tools are essential for starting, think Notion for documentation, Asana for project management, Mixpanel or PostHog for analytics, and Loom for async communication. But tools alone don’t create momentum.

Teams need Monday metric check-ins, weekly test cycles, customer insight reviews, just to name a few. Founders set the tone by modeling behavior. It’s the rituals that matter, then, they turn it into company culture.

Ryan puts it simply: “We’re not just building tools; we’re building infrastructure for digital trade.”

Avoiding the Common Traps

Even with structure, the path isn’t always smooth. Some founders over-focus on short-term results, chasing vanity metrics or shiny tactics that feel productive but don’t move the needle.

Others fall into micromanagement, drowning in dashboards instead of building intuition. Discipline should sharpen clarity, not create rigidity. Flexibility is part of the process. Knowing when to pivot is just as important as knowing when to persist.

Scaling Through Self-Replication

In the end, eCommerce scale isn’t just about growing a business. It’s about repeating successful systems at every level. When founders internalize high-performance habits, they turn them into processes, then culture, then legacy.

Growth doesn’t require more motivation. It requires more precision. More consistency. Your calendar, not your to-do list, is your business plan.

In a space dominated by noise and novelty, Change and its founder are quietly reshaping the conversation. They aren’t chasing trends but building resilience, one habit at a time.

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