Guides

The math nobody else prints.

Plain-English answers to the questions owners actually type, with real 2026 numbers. No gate, no email wall, no fluff.

01 · 5 minFactor Rates Explained: What a 1.30 Really CostsA factor rate is a fixed multiplier on a working capital advance: advance times factor equals total payback. To annualize it, subtract 1 from the fact...

02 · 5 minSame Day Business Funding: What Is Actually PossibleYes, but only with certain products. A working capital advance can approve in hours off 3 to 6 months of bank statements and wire the same business da...

03 · 6 minHow to Get Out of a Merchant Cash AdvanceThere are four legitimate exits from a merchant cash advance: pay it down and stop renewing, refinance into a term loan, line of credit, or HELOC, con...

04 · 5 minMCA vs Term Loan: The True Cost ComparisonIf you qualify for a term loan and the need can wait a few days, take the term loan: on a $50,000 need it typically costs thousands less than a mercha...

05 · 5 minHow Do Business Loan Brokers Get Paid?Business loan brokers are paid by lenders through placement commissions when a deal funds, typically 1 to 4 percent on term loans and SBA referrals an...

06 · 5 minDeclined for an SBA Loan? Your 7 Real AlternativesAn SBA decline at one bank is not a decline everywhere. Your seven real alternatives: reapply through a different SBA lender, a business term loan, a ...

07 · 5 minBusiness Funding With Bad Credit: What Is Real at 500+With personal credit below 600, revenue-based products are the realistic path. Working capital advances fund on bank deposits, typically $15K+ monthly...

08 · 5 minWhat Funders Look For in Your Bank StatementsUnderwriters read 3 to 6 months of business bank statements and score seven things: average daily balance, deposit count and regularity, revenue trend...