Business funding, explained plainly.
What funding really costs, which product fits, and what to check before you sign. Written for owners, with the arithmetic shown and every source cited.
What does a merchant cash advance actually cost?
A factor rate is not an interest rate. The arithmetic in one table, why paying it off faster costs more, and how to judge whether the price is worth it.
Worth reading before you sign anything
What does a merchant cash advance actually cost?
A factor rate is not an interest rate. The arithmetic in one table, and how to judge whether the price is worth it.
Let Sam find the funder that fits
Ten questions about your business and we will tell you which products fit, before anyone calls. No credit pull, one matched funder.
Check my options
The bank said no. What happens next?
Fewer than half of applicants get the full amount they ask for. What a decline is really about, and the question almost nobody asks.
Can you get business funding with bad credit?
What a low score actually closes off, what funders weigh instead, and the SBA prescreen that was retired in 2026.
Stacked on three advances. How owners get out.
Stacking multiplies the daily debit, not just the balance. The four routes out, and the kind of help that makes it worse.
Term loan, line of credit or advance?
Five products in one table: what each is for, how you repay, and what to watch for. Plus the two that get confused most.
What funders actually see in your bank statements
The five numbers an underwriter pulls out of three months of statements, and what you can fix in one cycle.
Equipment financing and Section 179 before year end
Why the asset makes approval easier, and why the deadline is the machine being in service, not ordered.
Invoice factoring, and when it beats a loan
Selling an invoice is not borrowing. How the cost is built, and whether your customer gets told.
The clauses that decide your worst month
Everyone reads the rate. The personal guarantee, the UCC filing and any confession of judgment matter more.
