Guides
Plain answers on business funding.
What underwriters actually weigh, what each structure really costs, and which one fits which problem — written by the review desk, hedged the way the truth is hedged.
Do you need collateral for working capital funding?
Banks usually want assets or an owner’s promise behind a loan. Revenue-based programs read deposits instead, and the tradeoff is price.
Read the guideWhat underwriters actually look for in your business bank statements
Deposits, balances, NSFs and existing debits are read as one story. What each line means, what a strong file looks like, and what you can and can’t fix.
Read the guideRevenue-based financing vs. a merchant cash advance: what actually differs
Both are usually purchases of future receivables, not loans. The difference is how you repay, what a slow month does, and what the underwriter reads.
Read the guideFactor rate vs. interest rate: how to read a funding offer
A factor rate is a decimal multiplied against the advance to get total payback. How it differs from an interest rate and APR, with the math shown.
Read the guideHow fast can a small business get working capital?
Honest timing: decisions typically within one business day of a complete file, what complete means, and what quietly adds days between yes and money.
Read the guideHow invoice factoring works: the advance, the reserve, and the fee
Factoring sells a business-to-business invoice to a factor. Here is how the advance, the reserve, and the fee move, and when a term program fits better.
Read the guideBusiness line of credit vs. a term program: which one fits?
The one-sentence difference, how each is priced, the discipline problem with lines, and a decision table for which one fits your situation.
Read the guideWorking capital for seasonal businesses: matching the payment to the season
Three structures, how each payment moves across a season, what a seasonal file needs to show, and why you apply on the strong months.
Read the guideEvery guide is general education, not advice about your file and not an offer. Figures are illustrative ranges; the review desk’s read of your real numbers is the answer. Questions about how we work are on the FAQ and How it works.
Check Your Options
See what your file supports.
Two minutes, no documents, and a plain answer — if it doesn’t fit, we say so.
Check your options2 minutes · No documents · No obligation