Financing Guides
What financing costs, what lenders want to see, and how to compare offers. Numbers first.
How Fast Can You Get Business Funding?
Speed by product, from a 4-hour decision to a 6-month SBA loan. What the clock measures, what slows a file down, and how to be the fast one.
Updated October 19, 2026
Business Loan Requirements in 2026: What Lenders Check
The three numbers lenders screen first, requirements by loan type, the documents you need, and how often applicants get approved. With 2026 figures.
Updated October 14, 2026
Denied a Business Loan by Your Bank? What to Do Next
A bank denial is common and usually fixable. Get the reason in writing, match it to the right kind of financing, and avoid the three mistakes that make it worse.
Updated October 14, 2026
Prepayment Discounts: How Paying Off Early Works on Fixed-Cost Business Financing
On fixed-cost financing, paying early saves nothing unless the agreement includes a prepayment discount. How the discount works at payoff and at renewal, when it applies, and what to ask.
Updated October 14, 2026
Factor Rate vs APR: What a 1.30 Factor Really Costs
A factor rate sets the total you repay. APR shows the yearly cost. See the conversion table, the math, and the five questions to ask before you sign.
Updated October 14, 2026
Home Equity for Business: The Capital Trapped in Your House
Mortgage holders have $11.7 trillion in equity they could borrow against. A home equity line can put part of it into a business in days, at rates near bank levels. What it costs, what it risks, and when it fits.
Updated October 14, 2026
How Much Can My Business Borrow? A Revenue-Based Rule of Thumb
Lenders size a short-term business loan to the payment your revenue can carry. See the math, a table by monthly revenue, and what raises or lowers your number.
Updated October 14, 2026
Interest Rates and Minimum Payments: Level, Geometric, and Why Cards Set a Floor
With an interest rate, the payment formula matters as much as the rate. See how level payments, geometric payments, and minimum payment floors change what you pay.
Updated October 14, 2026
Explainer
Loan or Revenue-Based Financing: How Your Offer May Be Structured
A term offer can come back as a loan or as revenue-based financing. How to tell which one you are holding, and how to compare the cost.