Chris Dingle

A title search reviews public records to confirm legal ownership and uncover liens, claims, judgments, loans, or unpaid property taxes before a sale or loan.
Buyers, lenders, or other requesting parties typically hire a title company or attorney, because courthouse records and legal documents can be difficult to access.
After the search, buyers receive a preliminary title report, raise any issues with the seller, and decide whether to proceed before closing.
A clean title confirms clear ownership, while a dirty title can involve unknown liens, survey errors, building code violations, or record-keeping mistakes.
Title insurance adds protection if missed documents, forgery, fraud, unrecorded easements, lawsuits, or other past title defects create financial loss after purchase.

What Is a Title Search?

Working capital loans fund everyday operations, helping businesses cover short-term costs like payroll and rent while keeping activity moving during slower sales periods.
They fit seasonal or cyclical businesses that face uneven revenue, giving them cash for wages and operating costs until busier periods restore normal financing needs.
Funding can come through term loans, business lines of credit, invoice financing, business credit cards, or warehouse financing that uses inventory as collateral.
A key advantage is easier access to cash without giving up equity, so owners can bridge working capital gaps and keep full control.
Owners should weigh tradeoffs: unsecured loans typically require strong credit, secured loans may need assets, and missed payments or defaults can damage personal credit.