Guides on business loans, merchant cash advances and managing cash flow — written in plain English.
Most small acquisitions are funded with an SBA 7(a) loan plus a seller note. Here is how the stack works in 2026, what the new rules changed, and the other routes worth knowing.
A factor rate is not an interest rate. Here is how to turn it into a number you can actually compare.
Capital solves a timing problem. It does not solve a margin problem. Seven moments when the right answer is no — and what to do instead.
Each route has a place. The difference shows up in how your file is shopped, who gets paid, and how many hard pulls land on your credit.
Have these ready and your application moves faster — from bank statements to your EIN.
Purpose, speed, cost and repayment shape. Answer four questions and the list of twelve products becomes a shortlist of two.