Resources
Plain-language guides on small-business financing, written to be useful whether or not you ever use our matching service. No jargon, no gated PDFs, no sales pitch dressed up as advice.
Before you apply
Bank statements: what lenders actually look at
The offer gets built from three to four months of statements, not your credit score. The five things underwriters read, and how to be ready.
What credit score do you need for business funding?
The honest ranges by product type, why revenue consistency often outweighs the score, and what to do if you are below the threshold.
Does applying for business funding hurt your credit?
Soft pull versus hard pull, when each one happens, and how to compare offers without collecting inquiries on your personal credit.
How to get a business loan with bad credit
Which products still work below 600, what they cost, and when a few months of credit repair is the better financial decision.
Loans for the self-employed and independent contractors
No W-2 and no pay stubs does not mean no financing. What documentation substitutes, and the one account change that widens your options.
Products and what they cost
Business line of credit calculator
What a draw costs per month, side by side with what the same money costs as a factor-rate advance. Adjust the terms and watch the gap.
How a business line of credit works
Draw only what you need, pay interest only on that. How lines differ from term loans, what they really cost, and when they are the wrong tool.
Factor rate vs APR: what an advance actually costs
A 1.3 factor rate is not 30 percent a year. How to convert one into a comparable number and compare two offers honestly.
The MCA stacking cycle, explained
How merchant cash advances work, why a fixed daily pull squeezes businesses with uneven revenue, and how one advance becomes three.
Can you get funding if you already have an MCA?
Yes, but your options narrow with each advance. What an underwriter sees on your statements, and what your real paths are.
MCA debt consolidation: what it is and when it works
Consolidation, restructuring, and settlement are three different things. One is a refinance, one is a default, and the difference has legal consequences.
Financing by industry
Food truck financing
Buying the truck and funding an operating one are two different problems with two different answers. What each costs and which products fit.
Construction business financing
Payroll lands Friday, the GC pays in sixty days. Which products bridge that gap, and what lenders read in a contractor's statements.
Trucking business financing
Fuel gets paid today, the load pays in forty-five days. Freight factoring, equipment financing, and what to check before signing a factoring agreement.