Practical Knowledge for a Consequential Decision
Original, plain-language guides to pricing, repayment, application preparation, and the contract provisions that shape the real cost of capital.
Understand the obligation, not just the offer
Clear explanations for business owners comparing financing. These guides are general information, not financial, legal, or tax advice.
Factor Rates Explained
Translate a factor rate into a base dollar cost, understand what it leaves out, and compare it with interest and APR.
Read the guide →Compare OptionsMerchant Cash Advance vs. Term Loan
Compare structure, pricing, payment behavior, early payoff, and use cases without relying on a simplistic “fast versus cheap” rule.
Read the guide →Application PlanningHow to Prepare Your Funding Application
Organize statements, reconcile deposits, explain anomalies, and build a use-of-funds and repayment narrative that underwriters can evaluate.
Read the guide →MCA MechanicsHoldbacks, ACH Debits & Reconciliation
Understand the difference between a percentage of receipts and a fixed scheduled debit—and why the reconciliation clause matters.
Read the guide →Decision ToolsThe Business Funding Comparison Checklist
Use a consistent set of questions to compare net proceeds, total dollar cost, payment burden, security, default terms, and renewals.
Read the guide →Terms worth knowing
Product names are used inconsistently across the market. Always rely on the final agreement’s definitions.
- Net proceeds
- The cash actually delivered after deductions, payoffs, or vendor disbursements.
- Factor rate
- A decimal multiplier commonly used to calculate a fixed purchased amount or repayment obligation.
- Holdback
- A stated share of receivables used to determine deliveries under some receivables-purchase agreements.
- Reconciliation
- A contractual process that may adjust remittances based on actual receipts when specified conditions are met.
- Personal guaranty
- A separate obligation that can make an individual responsible under the circumstances described in the guaranty.
- Amortization
- The allocation of loan payments between principal and interest over a schedule.
- Recourse
- Provisions that can require a seller to retain or reassume certain losses, such as unpaid invoices.
- Stacking
- Taking an additional advance or financing obligation while an existing one remains outstanding.
Continue your research
The Federal Reserve’s Small Business Credit Survey studies financing needs and experiences among firms with fewer than 500 employees. The SBA publishes official information about its guaranteed-loan programs.
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