Guides & Resources
Business funding, explained.
Plain-English guides on every way to fund a business, term loans, lines of credit, equipment financing, revenue-based funding, SBA, and more, with honest costs, real timelines, and how to pick what actually fits. No jargon, no pressure.
SBA Lending Trends 2020-2025: What 400,000 Loans Reveal
We analyzed 400,000+ SBA 7(a) and 504 loans from FY2020 to FY2025: volume up 72%, median size compressed to $200K, and charge-offs falling. Full data inside.
What Is a Factor Rate? An Honest Explainer
Factor rates explained: how they differ from interest rates, how to calculate your true repayment cost, and what to watch for in an offer.
SBA Loans: How They Work & How to Qualify
How SBA loans work: the main programs, illustrative rates and terms, how to qualify, and when an SBA loan is worth the wait.
The State of Small Business Funding in 2026: What the Data Actually Says About Getting Approved
Aggregated underwriting data on approval rates, default rates, bank statement red flags, and how deals get structured by file profile.
Layering a HELOC With a Term Loan
How to layer a business HELOC with a term loan to fund a larger need without over-leveraging one source. Deliberate capital layering, with an example.
Using Home Equity to Fund or Buy a Business
How to use home equity to start, buy, or grow a business: HELOC vs. home equity loan vs. cash-out refinance, the real risks, and how to do it responsibly.
Business HELOC vs. Business Line of Credit
Business HELOC vs. business line of credit: cost, speed, qualification, and risk. One is secured by your home and cheaper; the other is faster. Which fits?
Business HELOC: Home Equity to Fund a Business
How a business HELOC works, what it costs, how to qualify, and the honest risks of using home equity for business capital.
Wholesale & Distribution Inventory Financing
Wholesale and distribution tie up cash in inventory and receivables at once. How asset-based, receivables, and PO financing free working capital.
Government Contract Financing & Working Capital
Government contractors wait 30 to 90 days for payment. How receivables, PO, and contract financing bridge the gap, and how to qualify.
Veterinary Practice Financing: An Owner's Guide
How veterinary practices finance equipment, build-outs, buy-ins, and expansion: equipment loans, credit lines, and faster options compared.
Landscaping & Lawn Care Business Loans
Seasonal cash flow, equipment, and crew costs: how landscaping and lawn care businesses fund spring ramp-up, fleet, and growth.
Equipment Financing Without Draining Cash
How equipment financing works, illustrative rates and terms, how to qualify, and when it beats leasing, a term loan, or paying cash.
Business Term Loans: A Complete Guide for Owners
An honest guide to business term loans: how they work, illustrative rates and terms, how to qualify, and when one beats a line of credit.
Business Line of Credit: How It Works
How a business line of credit works, what it costs, who qualifies, and when a revolving line beats a term loan or an advance.
Factor Rate vs. APR: How to Compare Offers
Factor rate vs APR: what each measures, why they're not directly comparable, and the formula for estimating APR from a factor rate. With worked examples.
MCA vs. Equipment Financing: Which Fits?
Merchant cash advance vs equipment financing: when a specific asset purchase calls for equipment finance, and when a broader capital need points to MCA.
MCA vs. Invoice Factoring, Which Is Right for B2B?
Merchant cash advance vs invoice factoring: cost, speed, qualification. For B2B businesses with invoiced customers, factoring may cost less.
MCA vs. Business Line of Credit: Side by Side
Merchant cash advance vs business line of credit: cost, speed, qualification, and when each fits. An honest breakdown of two different tools.
Every Way to Fund a Small Business, Compared
Term loans, SBA, lines of credit, equipment, factoring, revenue-based funding, cards, and MCAs compared. When each fits, and when it does not.
How to Finance an Auto Repair Shop: Owner's Guide
The five capital sources auto repair shops actually use, supplier credit, equipment financing, business cards, SBA, and MCAs. When each one fits.
Business Funding Calculator: Estimate Your Payment
Free business funding calculator. Estimate your amount, rate, and payment from monthly revenue, then see which product fits. No credit pull.
How Fast Can You Get an MCA? Real Timelines
How fast an MCA actually funds, real 24 to 48 hour timelines, when same-day funding is true or marketing, and how to compress the process.
MCA vs. SBA Loan: Honest Side-by-Side Comparison
MCA vs SBA loan: speed, cost, qualification, and when each fits. An honest comparison of fast capital against low-cost bank financing.
What Is a Merchant Cash Advance? Honest Explainer
Merchant cash advances without the jargon: how they work, what they cost, who qualifies, and where an MCA fits among funding options.
MCA vs. Traditional Business Loan: Full Comparison
MCA vs traditional business loan: cost, speed, qualification, and when each makes sense. An honest side-by-side, not the loudest pitch.
How to Prepare Your Business for Fast Funding
The document checklist, revenue benchmarks, and what underwriters actually look at, so you can prepare before you apply for fast funding.
Revenue-Based Funding vs. Traditional Loans
An honest side-by-side of revenue-based funding and term loans: cost, speed, qualification, and when each option makes sense for your business.
Not sure which option fits?
Tell us about your business and we'll match you to the right funding, no hard credit pull, pre-qualified offers in 24 hours.