Business funding, explained straight
Seven ways established businesses fund growth, payroll and the gap between doing the work and getting paid. Each guide covers what it really costs, who it suits, and where it bites.
| Product | Best for | How it's repaid | Watch for |
|---|---|---|---|
| Merchant cash advance | Card-heavy businesses that need money fast | A share of daily sales, or fixed daily/weekly debits | Factor rates hide a high APR over short terms |
| Business line of credit | Uneven cash flow, repeat short gaps | Only on what you draw | Draw fees and annual fees |
| Term loan | One-off investments with a clear payback | Fixed installments | Prepayment terms and origination fees |
| Equipment financing | Buying machinery, vehicles, kit | Fixed installments, secured on the equipment | Balloon payments and end-of-term buyouts |
| Revenue-based financing | Recurring or online revenue | A share of monthly revenue | The cap on total repayment |
| SBA loans | Patient borrowers with strong files | Long-term installments | Time, paperwork, collateral (we don't arrange these) |
- Working capital financing: what it is and what it really costsHow working capital financing works for established US businesses: the main products, how to price them in APR, what lenders check and the red flags.Read the guide
- Merchant cash advances: how they work and what they really costA plain guide to merchant cash advances: factor rates, holdback, daily and weekly debits, why an MCA isn't a loan, and how to turn the offer into an APR.Read the guide
- Revenue-based financing: repayments that move with your salesHow revenue-based financing works for US businesses: the fixed payback cap, the revenue share, how to estimate the APR, and when it beats an advance or a loan.Read the guide
- Business line of credit: borrow what you need, when you need itHow a business line of credit works: draws, interest only on what you use, fees, what lenders check, and how it compares with an advance or a term loan.Read the guide
- Equipment financing: pay for the machine while it earnsHow equipment financing works for US businesses: loans vs leases, buyout options, how term changes the cost, what lenders check and what to watch for.Read the guide
- Business term loans: a lump sum, a fixed schedule, a clear priceHow business term loans work: interest, term, payment frequency, origination fees and prepayment, with a worked $100,000 example and how they compare.Read the guide
- SBA loans: the cheaper, slower route, and who it really suitsAn honest guide to SBA 7(a), 504 and microloans: amounts, rate caps, collateral, paperwork, who they suit, and how to find a participating lender.Read the guide
Ready for a straight answer?
Two minutes of questions. One funding specialist. No impact on your credit score.