Choose
Which mechanism fits the job, and what each one is actually built to do.
Term loan vs. business line of credit: choose by the job, not the headline rate
Compare lump-sum funding with reusable draw capacity using timing, utilization, repayment, and slow-month scenarios.
Equipment loan vs. lease: compare ownership, total cost, failure, and the end of term
A decision guide for loans, equipment finance agreements, $1 buyout leases, and fair-market-value leases.
Invoice factoring explained: advance rate, reserve, recourse, fees, and customer contact
Understand the cash-now amount, reserve release, fee clock, customer verification, concentration limits, and what happens when an invoice is disputed.
Revenue-based financing explained: purchased amount, remittance, reconciliation, and duration
Read a revenue-linked financing agreement by the receipts it captures, the amount to be delivered, and the total amount to be remitted.
Used equipment financing: inspect the asset and the obligation as one machine
A pre-funding checklist for seller identity, liens, condition, valuation, transport, insurance, uptime, documentation, and end-of-term risk.
SBA 7(a) vs. 504 loans: choose by use, project structure, and operating need
Compare flexible 7(a) uses with 504 fixed-asset project financing, including parties, equity, collateral, timing, and closing.
SBA Express vs. Standard 7(a): compare speed, authority, amount, and structure
Understand how lender process, SBA response, maximum amount, guarantee, revolving capability, underwriting, and eligibility differ.
Working capital loan vs. line of credit: finance the gap without making it permanent
Choose between lump-sum repayment and reusable capacity using the cash-conversion cycle, utilization, renewal, and downside timing.
Equipment financing vs. line of credit: keep long-lived assets out of short-lived capacity
Compare asset-matched payments with flexible draws using useful life, installation, maintenance, lien scope, renewal, and liquidity.
Invoice factoring vs. line of credit: compare availability, customer contact, and recourse
Choose between selling receivables and borrowing against business capacity using reserves, eligibility, cost clocks, and controls.
Purchase order financing: map supplier payment, delivery, acceptance, and collection
Understand who funds the supplier, what evidence releases cash, how gross margin is consumed, and what happens when an order changes.
Startup business funding options: finance milestones before financing scale
Compare owner capital, presales, grants, equity, cards, equipment finance, microloans, and debt using runway and repayment reality.