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.
Advances and what they cost
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.