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Funding types 13

Asset-Based Lending
Business Credit Cards
Business Line of Credit
Credit Card Processing
Equipment Financing
Invoice Financing
MCA Reverse Consolidation
Merchant Cash Advance
Payroll Financing
Revenue-Based Financing
SBA Loan
Term Loan
Working Capital

Calculators 6

What a factor rate actually costs
What the debit does to your week
Two offers priced differently, on one page
Everything you already owe, plus this
Does paying it off early save anything?
What factoring an invoice actually nets you

Industries 16

Auto Repair
Construction
E-commerce
Fitness & Gyms
Grocery & Convenience
Healthcare
Hospitality
Landscaping
Liquor Stores
Manufacturing
Professional Services
Restaurants
Retail
Salons & Spas
Staffing
Trucking & Logistics

Glossary A–Z 451

Open the full glossary →

Lenders 59

1st Alliance Group
501 Advance
Accord Business Funding
Advantage Merchant Funding
Alternative Funding Group
Amerifi Capital
Arcadia Servicing
BHB Funding
BHG Financial
Backd Business Funding
Belltower Funding
Big Think Capital
Birkin Capital
Bitty Advance
Biz Capital Miami
Biz2Credit
Bizcap US
Blade Funding
BlueBridge Funding
Bridgecap Financial
BriteCap Financial
Business Capital Providers
ByzFunder
CAN Capital
CFG Merchant Solutions
CapitaWize
Cashable
Cobalt Funding Solutions
Credibly
Fenix Capital Funding
Fora Financial
Fortress Funding Group
Forward Financing
Fox Business Funding
Highland Hill Capital
Instagreen Capital
Legend Funding
Lendini
Liquidibee
MNR Capital Group
Merit Business Funding
Merk Funding
National Funding
Nationwide Capital Solutions
ROK Financial
Rapid Finance
SDY Capital
Smart Step Funding
South End Capital
Spartan Capital Group
Splash Advance
Straight Line Source
The Smarter Merchant
Total Merchant Resources
True Advance Funding
United First Capital Experts
VOX Funding
Velocity Capital Group
World Business Lenders

Guides 300

A business credit card or a small term loan for the same spend
A foreign parent company and a US operating business
A monthly close that keeps your funding file ready to send
A partner buyout funded by the business or funded by you
A personal loan for business use or business credit
A second business after the first one failed
A second position advance or a sale-leaseback on equipment you own
A shorter expensive facility or a longer cheaper one
A strong business and a damaged personal credit file
A term loan or equipment finance for the same machine
Add-backs that survive underwriting and add-backs that die in it
Advance rate, discount and reserve: the three numbers that decide what factoring pays you
An SBA loan is not a government loan
An advance or a short-term loan for the same net proceeds
Approaching a funder before you miss a payment
Auto repair funding: parts float, warranty pay and the equipment cycle
Back-office and payroll funding bundles for staffing firms, and what they actually cost
Bank, credit union or non-bank for the same request
Borrowing in your first year after buying the business
Building a chart of accounts an underwriter can read
Building business credit deliberately, starting from nothing
Business credit scores: PAYDEX, Intelliscore, SBSS and who reports to which
California's commercial financing disclosure rules: SB 1235 and what the DFPI made of it
Cash basis or accrual: which set your funder is actually reading
Certificates of insurance, additional insured and loss payee: the closing item that slips
Changing the remittance frequency on an existing advance
Childcare centre funding: ratios, subsidy lag and prepaid tuition
Choosing a business bank account with underwriting in mind
Closing a business that still owes money
Collateral, blanket liens and what a UCC-1 on all assets stops you doing next
Comparing factoring quotes when every factor prices differently
Compiled, reviewed, audited: what each one actually buys you
Concentration limits and cross-aging: two clauses that shrink your funding without warning
Confession of judgment clauses and the state rules that now limit them
Connecticut gives you three days: the state's commercial financing disclosure and registration rules
Construction funding: mobilisation, retainage and the gap the bank will not fill
Covenants in an asset-based facility, and the ones that only appear when you are struggling
Does your bill rate cover the cost of funding payroll?
E-commerce funding: payout holds, rolling reserves and ad spend as inventory
Eight bookkeeping mistakes that quietly cost you funding
Entity type, and what a sole proprietorship changes about the offer
Equipment loan versus equipment lease: what actually changes
Equity or debt for the same raise
Escrow and simultaneous closings when one funder pays another
Export Working Capital: an SBA line built around the export order
Factor rate vs APR: why the same deal looks different
Factoring or purchase order finance for the same order
Farm operating lines: how a crop year is actually financed
Filling in a business debt schedule honestly, and why the honest version helps you
Financing a hire before the revenue arrives
Financing a production against a state film tax credit
Financing a property improvement plan without wrecking the season
Financing a restaurant build-out you do not own
Financing ad spend, and why lenders treat it differently from inventory
Financing an ownership transition as you approach retirement
Financing inventory for a product you have never sold
Fixed versus variable rate on a business term loan, and what a reset actually does to the payment
Florida's Commercial Financing Disclosure Law: six numbers, no APR, and rules for brokers
Four things a guarantee can be: payment, collection, performance, validity
Funding a business in Arizona: a loan guarantee programme and a light regulatory hand
Funding a business in California: the strongest disclosure rules and the widest programme menu
Funding a business in Illinois: no disclosure law, one good state programme
Funding a business in Massachusetts: a quasi-public lender of last resort, and no disclosure statute
Funding a business in Michigan: capital access through MEDC, no disclosure law
Funding a business in New Jersey: strong state lending, a disclosure bill still in committee
Funding a business in North Carolina: loan participation through the Rural Center, and little else in statute
Funding a business in Ohio: collateral support is the state's best tool
Funding a business in Pennsylvania: a deep state loan menu and no disclosure statute
Funding a business in Tennessee: Fund Tennessee, and nothing in statute about disclosure
Funding a business in Washington: the state runs a revenue-based fund of its own
Funding a cleaning company whose contracts cancel on 30 days notice
Funding day and the first payment: what to check while you still can
Funeral home financing: preneed trusts and insurance assignments
Georgia's commercial financing disclosure requirements under Senate Bill 90
Getting out of a factoring agreement: notice periods, minimums and termination fees
Getting your own business credit file and reading it line by line
Great personal credit and a business file with nothing in it
Grocery and convenience funding: high volume, thin net margin, and a cooler that can fail
Guaranteeing performance is not the same as guaranteeing payment
Gym and studio funding: deferred revenue, churn and equipment leases that outlast members
HUBZone certification and the 35 percent employee rule
Healthcare practice funding: reimbursement lag, denials and what a lender can take
Holding company and operating company: which one borrows
Hospitality funding: seasonality against a cost base that does not move
How SBA maximum interest rates are built: a spread over a base rate, not a fixed number
How a bank actually reads your business bank statements
How a brand agreement shapes the loan on a franchised hotel
How a business term loan amortises, and why the early payments are mostly interest
How a federal contract changes what you can borrow
How a residual is set on an equipment lease, and who pays when it is wrong
How an invoice factoring facility actually works, from schedule to reserve release
How existing positions are counted, and what they do to the next offer
How forbearance works on a business debt
How many funding applications is too many
How multiple accounts and sweep arrangements read on a statement
How payer mix sets the advance rate on medical receivables
How revenue-based financing repayment works, and why the payoff date moves
How the SBA 7(a) guarantee actually works, and who takes the loss
How to annualise a factor rate, and why you must fix the term first
How to check a funder or broker before you hand over bank statements
How to compare two offers with different structures on a single page
How to compute debt service coverage, step by step
How to evaluate a business debt settlement firm
How to read a merchant processing statement
How to read a term sheet, line by line
How to shop several funders without shotgunning your own file
How to turn a factor rate into a dollar cost
Import deposits, letters of credit, and the 179 days your cash is gone
Industry restrictions and the exclusion lists most funders keep
Ineligible businesses and the SBA passive income rule
Interchange-plus, tiered and flat-rate processing compared with the arithmetic
Interim financials between tax years, and how to annualise without lying
Is your funding broker registered anywhere? A state-by-state answer
Keeping a debt schedule current instead of rebuilding it every time
Landscaping funding: the winter gap and the equipment you buy before the first invoice
Laundromat and dry cleaner financing: machines, leases and contamination
Liquor store funding: the licence is the asset a lender may not be able to take
Louisiana wrote revenue-based financing into the statute books, and wrote usury out of it
Manufacturing funding: work in progress is the asset nobody will lend against
Matching the instrument to the gap: a 45-day receivable financed over 36 months is permanent debt
Missouri's Commercial Financing Disclosure Law and the broker bond behind it
Negotiating with two funders at the same time
New York State's Commercial Finance Disclosure Law and what it puts in front of you
Notification and non-notification factoring: what your customer sees
One lender for everything or a facility for each job
Opening the first trade lines that actually report
Origination fees taken out of proceeds versus added to the balance
Partner draws, guaranteed payments and the coverage ratio
Paying cash or financing a purchase you can afford
Platform-integrated funding: convenient, embedded, and hard to leave
Pledging collateral or paying the unsecured price for the same amount
Prepaid memberships, state health club rules and what lenders do with them
Prepayment penalties on business loans, and how each type is actually calculated
Pricing a refinance in dollars of cost per dollar of monthly relief
Producing a P&L and balance sheet a lender will actually believe
Professional services funding: unbilled work, realisation and no collateral at all
Purchase order financing for manufacturers, and when it actually fits
Questions to ask before you sign an advance
Reading a funding agreement in the order the clauses appear
Rebuilding a fundable file after a default
Receivables gap: advance or invoice factoring
Reconciliation: the clause that decides what happens in a bad month
Reconciling your books to the bank before an underwriter does it for you
Recourse and non-recourse factoring: what the word non-recourse actually covers
Refinancing arithmetic: when a longer, larger, cheaper-looking deal costs more
Refinancing now or finishing the term
Releasing a personal guarantee when you pay a funder off
Replacing equipment before it fails, or after: the arithmetic
Requesting a payoff letter, and reading it line by line
Restaurant funding: what your settlement rhythm and your lease actually allow
Restructuring, settlement and default are three different transactions
Retail funding: inventory is a cash sink with a season attached
Revenue floors by product, and why they are floors rather than thresholds
Revenue-based financing for e-commerce and subscription businesses
Revenue-based financing versus a merchant cash advance: the contracts differ more than the money does
Reverse consolidation: what it fixes and what it does not
Revolving versus non-revolving business lines of credit
SBA 7(a) or 504 for the same project
SBA Express: what you trade for a faster answer
SBA collateral rules and personal guarantees
SBA equity injection: what counts as your money and what a lender will refuse
SBA or conventional financing for a business acquisition
SBA size standards: how a NAICS code decides whether you are small
Sale-leaseback: raising cash against equipment you already own
Salon and spa funding: chair count is capacity, booth rent is the complication
Scrap and recycling finance when your inventory reprices daily
Seasonal gap: advance or line of credit
Section 179 and bonus depreciation when you lease instead of buy
Selling a business with funding still outstanding
Sending business bank statements: what to send, how, and what gets a file rejected
Sequencing funding applications so the inquiries cluster
Sequencing payoffs when you cannot clear them all
Signs an offer is not what it is being described as
Sizing an acquisition against cash flow instead of the asking price
Sizing the cash trough on a seasonal inventory build
Small business funding in Alabama: state programmes, disclosure gaps and lien checks
Small business funding in Alaska: freight, boroughs and a lien registry that is not the Secretary of State
Small business funding in Arizona: a loan guarantee, no disclosure rule, and a construction-heavy borrower base
Small business funding in Arkansas: a state finance authority that actually lends
Small business funding in Colorado: the CLIMBER fund, cash collateral support and no disclosure rule
Small business funding in Connecticut: one of the few states where a funder must show you the numbers
Small business funding in Delaware: incorporated here is not the same as protected here
Small business funding in Hawaii: shipping lead times, HI-CAP, and a lien office in the land department
Small business funding in Idaho: a revolving loan fund, collateral support, and the fastest small business growth in the batch
Small business funding in Indiana: the state's programmes are equity, not working capital
Small business funding in Iowa: a loan participation programme aimed squarely at factory automation
Small business funding in Kansas: a disclosure law with no registration behind it
Small business funding in Kentucky: collateral support, loan participation, and no disclosure duty
Small business funding in Louisiana: liens go to the parish, and the state never adopted UCC Article 2
Small business funding in Maine: a state authority that lends directly and insures bank loans
Small business funding in Maryland: two agencies, two programmes, and a lien office nobody expects
Small business funding in Minnesota: the widest state programme menu in the region
Small business funding in Mississippi: the biggest slice of state capital went to CDFIs, not banks
Small business funding in Missouri: brokers have to register here, and post a bond
Small business funding in Montana: the highest small business employment share in the country
Small business funding in Nebraska: the state's loan fund is run by nonprofits, not a bank desk
Small business funding in Nevada: tourism revenue, an evergreen state fund, and no cost disclosure
Small business funding in New Hampshire: a state guarantee that covers the whole loan
Small business funding in New Mexico: a state allocation aimed at businesses banks decline
Small business funding in North Dakota: a state-owned bank, and a licence requirement that reaches commercial lending
Small business funding in Oklahoma: liens are filed with a county clerk, not the Secretary of State
Small business funding in Oregon: a capital access programme and a credit enhancement fund, side by side
Small business funding in Rhode Island: a small state where manufacturing still carries the small business base
Small business funding in South Carolina: hospitality is the biggest small business employer here
Small business funding in South Dakota: state gap financing that will sit behind your bank
Small business funding in Tennessee: one brand, three programmes, and a hospitality-led borrower base
Small business funding in Washington, DC: a banking regulator that also runs the capital programmes
Small business funding in Wisconsin: manufacturing is the biggest small business employer, and liens go to a banking regulator
Soft costs: the part of an equipment deal that funders argue about
Stacking: why the second advance is usually the one that ends the business
Staffing agency funding: payroll every Friday against client pay in 45 days
State capital access programmes: the cheap money most owners never hear about
State licensing that reaches non-bank commercial lenders
Stress-testing growth debt against a ramp that runs half speed
Subordination and intercreditor agreements in plain terms
Tax returns, transcripts and the 4506-C: what the lender is checking
Term loan or line of credit for the same amount of money
Texas Finance Code chapter 398: sales-based financing disclosure, broker registration, and no confessions of judgment
The $1 buyout, the 10% PUT and the FMV lease, compared at the end of the term
The A/R and A/P ageing reports, and what a lender reads out of them
The Kansas Commercial Financing Disclosure Act, in the order it will matter to you
The SBA 504 structure: who lends what, and why it takes two lenders
The SBA Microloan program and the intermediaries that do the lending
The advance fee, and why money never has to move toward a funder first
The arithmetic of adding a truck, a crew or a chair
The cap multiple, and what the same multiple costs at three different growth rates
The capital stack for a second location, layer by layer
The cash conversion cycle, and why shortening it beats borrowing
The cash flow model to build before you restructure anything
The confession of judgment: what it is and where it still bites
The credit elsewhere test, and why the SBA does not want a loan a bank would make
The daily debit as a share of your daily deposits
The defaults that have nothing to do with missing a payment
The deposit pattern an underwriter reads as healthy
The diligence a lender runs on an acquisition, and why you should run it first
The document list, tier by tier, from a three-page application to an SBA file
The documents an SBA 7(a) file needs, and the ones that stall it
The fee list to demand before you sign, and what each one does to the cost
The fees that sit outside the factor rate
The first failed debit, and what to do in the next 48 hours
The first twelve months of deposit history
The hood, the walk-in and what a restaurant can actually pledge
The lockbox and cash dominion: what it is like when your receipts stop passing through your hands
The mentor-protege programme as a source of capital
The security agreement, and what a lien on all assets actually reaches
The specified percentage and the fixed daily debit are not the same thing
The tenant improvement allowance and what it really does to the amount you borrow
The veteran small business certification and what it is worth
Timing a refinance around the remittance cycle
Total cost of capital versus payment affordability
Trucking and logistics funding: the gap between the load and the money
Twelve months from unfundable to fundable, month by month
Unused-line fees, draw fees and annual fees on a business line of credit
Using a broker or applying direct yourself
Using a business credit card to cover a cash-flow gap
Utah's Commercial Financing Registration and Disclosure Act: registration first, numbers second
Vending and micro-market financing: placements, machines and float
Vendor finance programmes: why the quote at the dealership is sometimes the best deal and sometimes not
Virginia's sales-based financing rules: registration, a prescribed form, and no confessions of judgment
What a funder wants to see before agreeing to a restructure
What a funding broker actually does, and how the money reaches them
What a holder can do after a default, roughly in the order it happens
What a lender asks about location one when you are funding location two
What a lender means by debt service coverage, and how they compute it
What a reverse consolidation actually does, mechanically
What a reverse consolidation costs, and what it actually relieves
What actually triggers default on an advance
What an APR includes, and what it leaves out
What an asset-based lending facility is, and how it differs from a term loan on the same collateral
What an underwriter is actually deciding about you
What an underwriter reads in three months of bank statements, line by line
What business lenders actually publish — and what they leave out
What early repayment saves, product by product
What funding actually exists for a business under six months old
What happens between submission and offer, step by step
What happens when an SBA loan defaults: liquidation, guarantee purchase, and offer in compromise
What has to be true for a refinance out of expensive short-term debt to work
What makes a lender reduce, freeze or pull a business line of credit
What payroll funding is, and why it works differently for a staffing agency
What stacking means to an underwriter, and how they detect it
What two advances at once actually cost in weekly outflow
What working capital actually measures, and why a profitable business runs out of it
What you actually sold: inside a purchase of future receivables
What your personal credit score actually predicts on a business application
When a funder will not give you a payoff letter
When a loan is quoted as a total repayment instead of a rate, here is how to work out what it costs
When an advance is actually the right instrument
When the guarantee is called: the sequence, and what varies
When your income is distributions, not salary
Which federal certification fits your business
Which growth move to fund first when you can only fund one
Which states make a funder show you the numbers before you sign
Why a certification wins contracts but not credit
Why state usury caps almost never protect a business borrower
Why time in business is a proxy, and what it stands in for
Why work in progress is excluded from a borrowing base
Work out what the advance costs in money, then decide
Working negative days down to zero over one quarter
You own two businesses: how a lender reads the second one
Your factoring rate is set by your brokers, not by you

Answers 300

A checklist for comparing a bank offer against a non-bank offer
A friends-and-family note or an institutional lender?
A funder quoted a total repayment. How do I turn it into a rate?
A lower rate or no prepayment penalty?
A payoff and a buyout are not the same transaction
A seller note or a lender for the purchase price?
An offer arrived before I was ready. Take it or wait?
Anti-stacking clauses and what breaching one triggers
Arbitration clauses, and the carve-out that usually sits beside them
Are car wash memberships an asset or a liability to a lender?
Asset purchase or stock purchase: what changes for financing?
Asset-based lending versus factoring for the same receivables
Auto-renewal and evergreen clauses in business finance
Bank or non-bank lender for a business under three years old
Business credit card or personal card for business spending?
Can I cancel after signing a business funding agreement?
Can I compare a factor rate to an APR?
Can I get funded without tax returns?
Can I get payroll funding for my staffing agency?
Can a business lender sue me in another state?
Can a business lender take your house?
Can a business owned by a trust get financing?
Can a business with a non-resident owner get funded?
Can a fishing permit or quota be pledged as collateral?
Can a funder freeze your business bank account?
Can a lender take a liquor licence as collateral?
Can a nonprofit get working capital financing?
Can a software business borrow against recurring revenue?
Can a sole proprietor with no entity get business funding?
Can a startup get an SBA loan?
Can equipment payments start when your season does?
Can you be sued in another state over a business loan?
Can you borrow against a marketplace payout reserve?
Can you borrow against rental equipment that is out on rent?
Can you borrow against unbilled work in progress?
Can you borrow while deliberately shrinking the business?
Can you file bankruptcy on a business loan?
Can you finance retainage on a construction contract?
Can you finance the purchase of a pest control route?
Can you get a business term loan with two years in business?
Can you get business funding with a 500 credit score?
Can you get business funding with a charge-off on your record?
Can you get business funding with a judgment against you?
Can you get business funding with a recent bankruptcy?
Can you get business funding with a tax lien?
Can you get funded with one month in business?
Can you have two SBA loans at once?
Can you pay off a business loan early?
Can you stop the daily payments on an advance?
Cash-heavy businesses and the deposit problem
Citizenship and ownership requirements for an SBA loan
Contractors or employees: what each does to your cash and your funding file
Cure periods: only if your contract says so
Daily versus weekly remittance, and what each does to payroll
Do I get a disclosure sheet before I sign business financing?
Do I have to give a lender my bank login?
Do I need a CPA, or will a bookkeeper do?
Do all owners have to sign a personal guarantee?
Do business credit cards affect personal credit?
Do business credit cards build business credit?
Do card settlements and direct customer payments count the same?
Do fuel and lottery sales count as revenue for an advance?
Do sales tax and payroll withholding in my account count as revenue?
Do transfers between your own accounts count as revenue?
Do you need SAM.gov registration before you can be certified?
Do you need collateral for an SBA loan?
Do you need collateral for business funding?
Does 8(a) certification help you get a loan?
Does a business default reach your personal credit?
Does a business loan show up on your personal credit report?
Does a day job help or hurt a business loan application?
Does a lapsed state registration stop a funding?
Does a recent change of ownership affect funding?
Does a reverse consolidation hurt my credit?
Does a single-member LLC protect you from business debt?
Does a state or city MWBE certification help you borrow?
Does an SBA loan require a personal guarantee?
Does an existing merchant cash advance stop you getting funded?
Does booth rent hurt a salon's funding application?
Does my business funding broker need to be registered or licensed?
Does my state cap the interest rate on a business loan?
Does paying daily instead of monthly change what the financing costs?
Does paying off a business loan early save money?
Does switching business banks reset my funding history?
Does the SBA charge veterans less for a loan?
Does your industry disqualify you from business funding?
EIN or SSN on a business funding application?
Early payoff usually saves nothing, and costs more per month
Equipment financing for a business under two years old
Factoring a single invoice: spot deals versus a whole-ledger facility
Factoring construction receivables and progress billings
Factoring, invoice discounting and asset-based lending compared
Field exams and appraisals: who pays, and how often
Financing refrigeration: a failed cooler is a revenue event, not a repair
Financing used equipment and private-party purchases
Franchise eligibility for an SBA loan, and what happened to the franchise directory
Hell-or-high-water clauses: paying for a machine that does not work
How a business line of credit and a business credit card differ in practice
How a business term loan shows up on your balance sheet
How a draw is priced, and when interest starts running
How a payment processor prices a cash advance off your own volume data
How a private school borrows against a ten-month tuition year
How a self-storage lease-up is financed
How an advance shows on business credit, and how it does not
How business debt affects a contractor's bonding capacity
How can I tell a direct funder from a broker?
How do I annualise a 2% per 30 days factoring fee?
How do I compare two business loan offers?
How do I dispute something on my business credit report?
How do I express a flat fee as a rate?
How do I work out the rate behind a monthly payment?
How do business loan brokers get paid?
How do you know when your business is finally bankable?
How do you tell whether borrowed marketing money actually worked?
How does a divorce affect your business borrowing?
How does a lender treat an earnout in an acquisition?
How is availability calculated on an asset-based line of credit?
How long a default follows the business and the owner
How long a payoff quote stays good, and what happens after
How long an SBA loan takes, and what actually holds it up
How long does business loan approval take?
How long does it actually take to build business credit?
How long does it take a new hire to pay for themselves?
How long does underwriting take?
How many NSFs and negative days are too many?
How many trade lines do I need before I have a business credit score?
How much can I borrow against my business revenue?
How much cash do you need between opening a second location and breaking even?
How much cash you need at closing to clear two positions
How much does a business loan cost?
How much revenue do you need for business funding?
How quickly factoring actually turns an invoice into cash
How snow contracts change a landscaper's funding profile
How the broker gets paid, and why it changes the offer
How to calculate the cost of a merchant cash advance
How to choose an SBA lender, and the questions that separate them
Interest rate versus APR on a business term loan
Interim rent: the equipment lease payment nobody warned you about
Is a 1.4 factor rate high?
Is a balloon payment better than a fully amortising loan?
Is a bigger parts account cheaper than a working capital advance?
Is a confession of judgment still legal?
Is a marketplace submission better than one application?
Is a merchant cash advance a loan?
Is a merchant cash advance legal in my state?
Is a volume discount worth borrowing for?
Is it a bad sign if you need financing to make payroll?
Is it cheaper to renew an advance or take a second one?
Is it cheaper to stretch suppliers or borrow to pay on time?
Is revenue-based financing a loan?
Is revenue-based financing cheaper than raising equity?
Is vendor dating cheaper than a line of credit?
Is your cash shortfall a timing problem or a margin problem?
Jurisdiction and venue clauses, and what they cost you
Jury waivers, class waivers and the carve-out to look for
Leasing equipment with bad credit
Line of credit or term loan for seasonal inventory
Nobody filed the termination after you paid off
Online banking credentials, and the read-only alternative
Overtime, a new hire, or a second shift: which is cheaper?
Owner-occupancy: how much of the building you have to use yourself
Prepayment penalties on SBA loans: 7(a), 504, and the bank's own terms
Purchased amount versus amount funded
Reading an offer sheet, and what it leaves out
Refinancing an expensive short-term product into a term loan
Refinancing when a second position is already in place
Renewals and the rolled balance
SBA loan or conventional bank term loan: how to tell which you want
Seasonal borrowing done properly
Secured versus unsecured business lines of credit
Settling or restructuring an advance, and who you actually talk to
Should I borrow against inventory or receivables?
Should I buy the building or keep renting?
Should I finance now or wait and pay cash later?
Should I keep a second business bank account?
Should I lease the machine or rent it for the season?
Should I lend the business my own money or guarantee a loan?
Should I pay down debt or hold the cash?
Should I put money down on equipment or finance all of it?
Should I take a bigger amount than I asked for?
Should I take the first offer or shop it?
Should you finance capacity you have not sold yet?
Should you fund payroll on a line of credit or a payroll-specific facility?
Should you personally guarantee a second lease when the first one is already guaranteed?
Should you use a business debt relief company?
Should your second location be a separate legal entity?
Split funding in a restaurant: the mechanism fits, the margin is the risk
Split funding, lockbox and ACH collection compared
Stopping the debit or moving the account: what follows
Taking an MCA while an SBA loan is pending
Temporary reduction or term extension: which to ask for
The SBA guaranty fee, and who ends up paying it
The UCC filing a factor puts on your receivables
The UCC-1 filing behind an advance, and how to get it released
The clean-up period on a business line of credit, and why lenders require it
The credit score you need for equipment financing
The integration clause, and the promise that is not in the document
The maximum SBA loan amount, and the limit that binds first
The notice of assignment, and why paying the wrong party costs your customer twice
The validity guarantee you sign in a factoring agreement
The validity guarantee, and why it survives a “no PG” deal
Titled equipment: why a truck is financed differently from a CNC machine
Using a line of credit for payroll, and why it can be a warning sign
Using an SBA loan to buy a business
Verification calls: what your factor asks your customer
What a UCC filing does, and how to get one removed
What a buyer's lender requires when the seller has debt
What a delayed liquor licence transfer does to your financing
What a future underwriter can actually find about a past default
What a lender means when they offer to consolidate your business debt
What a modification agreement changes, and what it costs
What a payoff quote includes that the balance does not
What actually moves first when you are trying to become fundable?
What an advance underwriter actually looks at
What an equipment funder does when you stop paying
What are ineligibles in a borrowing base?
What average monthly deposits means to an underwriter, and how they compute it
What can't I fix before I apply, and how do I plan around it?
What changes when the platform that processes your sales offers you funding
What changes when you go from unsecured to secured borrowing
What changes when your second location is in another state?
What client concentration does to a staffing facility
What collateral does a veterinary practice actually have?
What counts as a good interest rate on a business loan?
What credit score do you need for a business line of credit?
What credit score do you need for business funding?
What credit score you need for an SBA loan
What deferred membership revenue does to a gym's loan application
What disqualifies you from an SBA loan
What do ACH and NSF fees add to the cost of financing?
What documents do I need for a business loan?
What does 20% APR mean on a business loan?
What does WOSB certification actually get you?
What does a daily debit actually take out of my month?
What does it mean for a seller note to be on full standby?
What does paying off an account do to my business credit file?
What factoring does to your customer relationships
What happens at an SBA loan closing, and which costs are capped
What happens if I run personal expenses through the business account?
What happens if you default on a merchant cash advance
What happens to an advance when card volume collapses
What happens to my application after I submit it online?
What happens when inventory you financed does not sell?
What has to be in writing when a funder changes your terms
What is a 4506-C and what am I agreeing to?
What is a blanket lien on a business?
What is a borrowing base?
What is a conditional approval, and why is it not an approval?
What is a corporate resolution to borrow, and who has to sign it?
What is a factor rate, and what does one actually cost?
What is a holdback, and how does it decide your term?
What is a landlord waiver, and why is my lender asking for one?
What is a merchant reserve?
What is a soft credit pull, and when does it become a hard one?
What is a stip, and how do I clear one without restarting the file?
What is actually negotiable on a business funding offer?
What is an ISO, and how is it different from a funder or a lender?
What is interchange?
What to do instead of a reverse consolidation
What “no interest” actually means in an advance pitch
When a factored invoice goes unpaid
When a reconciliation request is refused or ignored
When an SBA loan is not worth the paperwork
When an SBA loan requires life insurance on the owner
When does a business stop needing the owner's personal credit?
When it is worth paying a lawyer about business debt
When one funder agrees and the other refuses
When should I stop improving my file and just apply?
When the daily debit is more than the business earns
When your funding is sold to someone else
Where to report a funder or broker, and what each channel does
Whether a modification shows up when you apply again
Whether invoice factoring counts as a loan
Whether old business debt follows you into the next company
Whether the personal guarantee survives closing the business
Whether your equipment lease payments are deductible
Which bank accounts do you have to submit?
Which clauses should I read twice before signing?
Which net-30 vendor accounts actually report to business credit?
Which position to pay off first
Who funds working capital when you buy a business?
Who pays the broker's points on a funding deal?
Why a merchant cash advance has no APR of its own
Why a switch to booth rent shrinks your funding offer
Why an advance has no APR until you fix a term
Why did my business line of credit get cut?
Why did the offer change between the term sheet and the contract?
Why do lenders want my bank statements?
Why does a funder want a voided cheque and my driver's licence?
Why factoring is the default working capital product in trucking
Why is my processing rate higher than what I was quoted?
Why medical receivables financing is its own product
Why repair shops get constant funding calls
Why the cheapest-looking quote often has the most fees outside it
Will a business funder check your personal credit?
Will a lender call my bank, my landlord or my customers?
Will your first franchise unit get the second one financed?
With no revenue yet, what is there to lend against?
You have a purchase order you cannot fund. What are the options?
Your silent partner will not sign a guarantee

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