Funding Products Explained

How each type of business financing works, and when it fits.

Do You Need a Business Loan Broker?

Do You Need a Business Loan Broker?

This guide explains what a business loan broker does, how brokers differ from direct lenders and marketplaces, how comp…

Alternative Business Lenders: Options Beyond the Bank

Alternative Business Lenders: Options Beyond the Bank

This guide explains how alternative business lenders work, compares the main non-bank funding categories side by side, …

Heavy Equipment Financing

Heavy Equipment Financing

This guide explains how heavy equipment financing works for operating businesses and how to choose between loans, lease…

Business Loans With No Collateral: What Are Your Options?

Business Loans With No Collateral: What Are Your Options?

Businesses can qualify for financing without pledging equipment, real estate, or other assets, but unsecured funding us…

Shopify Capital: How It Works and the Alternatives

Shopify Capital: How It Works and the Alternatives

This guide explains how Shopify Capital works in plain English for merchants who already have a Shopify sales history a…

What Is a Term Loan?

What Is a Term Loan?

This guide explains what a term loan is, how repayment and amortization work, when short- versus long-term structures m…

CDFI Loans: An Option When Banks Say No

CDFI Loans: An Option When Banks Say No

CDFI loans are not one single federal loan program. They are financing products offered by Treasury-certified, mission-…

Business Line of Credit vs. Term Loan: Which Is Better?

Business Line of Credit vs. Term Loan: Which Is Better?

This guide compares revolving credit and lump-sum financing based on real business scenarios, costs, qualification fact…

How to Finance a Large Purchase Order When You Don't Have Enough Cash

How to Finance a Large Purchase Order When You Don't Have Enough Cash

A large purchase order can strain cash flow even when sales are strong. This guide explains how purchase order financin…

What Is an SBA Loan and How Do You Get One?

What Is an SBA Loan and How Do You Get One?

This guide explains how SBA loans work in real life, how the main programs differ, what the application timeline usuall…

Working Capital Loans: How They Work and When to Use One

Working Capital Loans: How They Work and When to Use One

Working capital loans help businesses manage short-term operating needs without giving up ownership. This guide explain…

SBA 504 Loans: Rates, Requirements and When They Make Sense

SBA 504 Loans: Rates, Requirements and When They Make Sense

This guide explains how SBA 504 financing works, what projects qualify, how the bank/CDC/borrower structure affects pri…

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