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7 Types of Business Loans: How Each One Works and When to Use It
Term, SBA, line of credit, equipment, factoring, MCA, and real estate loans compared.
10 min read · Updated October 2026
Funding resources
Learn before you borrow
No fluff. Straight answers about business funding, credit, and what lenders actually look at, written for owners, not bankers. Every guide follows our editorial standards.
The essentials
Start here
Start here
How to Get a Business Loan in 2026
How to get a business loan in 2026: what lenders review, which loan type fits, the documents you need, and how to apply fast even with bad credit.
6 min read · Updated June 2026
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Business Loan Requirements: What Lenders Look For
Credit, revenue, time in business, documents, and bank statement signals that decide approvals.
5 min read · Updated June 2026
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How Much Business Loan Can I Qualify For?
The revenue multiples, credit thresholds, and bank statement signals that size your offer.
6 min read · Updated June 2026
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Business Loan Rates and Costs: How to Compare Offers
Interest, factor rates, fees, total payback, and the numbers owners should compare.
5 min read · Updated June 2026
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Same-Day Business Funding: What It Really Means and How to Qualify
What same-day funding really requires, which programs move fastest, and how to avoid rushed mistakes.
5 min read · Updated September 2026
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Working Capital: Formula, Ratio, and Free Calculator
The formula, a good ratio, and how to improve it.
6 min read · Updated October 2026
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Small Business Grants vs. Loans
Where real grants come from and how to avoid scams.
8 min read · Updated October 2026MCA guides
Merchant cash advance
Merchant cash advance
Merchant Cash Advance Requirements: The Complete Checklist
Revenue, time in business, bank activity, existing advances, and documents, and why requirements vary.
9 min read · Updated September 2026
Merchant cash advance
Merchant Cash Advance Rates and Factor Rates, Explained With Real Math
Worked dollar examples: amount received, total payback, daily and weekly payments, and effective APR.
10 min read · Updated September 2026
Merchant cash advance
Merchant Cash Advance Lenders: Types of Providers and How to Compare Them
Who offers MCAs in the USA, what to ask, and red flags before you sign.
8 min read · Updated October 2026
Merchant cash advance
What Is a Reverse Consolidation? How It Works for MCA Debt
How a new funder covers your existing MCA payments, a worked example, and the real cost.
9 min read · Updated October 2026
Merchant cash advance
Can't Pay Your MCA? Default, Reconciliation, and Your Options
What counts as default, how to request reconciliation, what happens next, and your options.
9 min read · Updated October 2026
Merchant cash advance
MCA Debt Consolidation: How to Consolidate Cash Advances
Stacked advance payments hurting cash flow? Learn when consolidation is realistic and what lenders review.
8 min read · Updated October 2026
Merchant cash advance
Funding With an Existing MCA: Second Advances, Renewals, and Consolidation
How current payments affect eligibility, and when consolidation is worth reviewing.
8 min read · Updated September 2026
Merchant cash advance
Merchant Cash Advance vs. Working Capital Loan: Which Fits Your Business?
Qualification, payment structure, and cost side by side, with a worked $40,000 example.
8 min read · Updated September 2026
Merchant cash advance
MCA vs. Business Term Loan: Which Is Right for You?
Speed vs. structure. A plain-English comparison of the two most common alternative funding paths.
6 min read · Updated June 2026
Merchant cash advance
MCA vs. Revenue-Based Financing vs. Factoring
How each is repaid and priced, and how to choose.
7 min read · Updated October 2026Documents and underwriting
Applying and approval
Applying and approval
Documents You Need for Fast Business Funding
The exact checklist that speeds up underwriting. Get these ready before you apply.
4 min read · Updated June 2026
Applying and approval
Business Loan Bank Statement Requirements: What Underwriters Look For
What to submit, and how underwriters read deposits, negative balances, returned payments, and existing debt.
9 min read · Updated September 2026
Applying and approval
Business Loan Denied by the Bank? Here's What to Do Next
Why banks decline healthy businesses, the mistakes to avoid in the next 48 hours, and the paths that stay open.
6 min read · Updated September 2026
Applying and approval
What Is a UCC Lien on a Business Loan?
Plain-English guide to UCC filings, blanket liens, releases, and future funding impact.
5 min read · Updated June 2026
Applying and approval
Can I Get a Business Loan With No Collateral?
Yes — how unsecured and revenue-based funding works, and what a personal guarantee really means.
6 min read · Updated June 2026
Applying and approval
Cash Flow Loans for Small Business: When They Make Sense
How deposit-based underwriting works, when cash-flow funding helps, and what risks to watch.
5 min read · Updated June 2026
Applying and approval
Debt Service Coverage Ratio (DSCR)
Formula, calculator, and what lenders want.
7 min read · Updated October 2026Side-by-side comparisons
Compare your options
Compare your options
SBA Loan vs. Bank Loan: Key Differences for Business Owners
Compare cost, approval difficulty, collateral, paperwork, and timelines before choosing a path.
6 min read · Updated September 2026
Compare your options
Business Line of Credit vs. Loan: Which Should You Use?
Revolving access or one lump sum? Compare payment structure, best uses, and cash-flow fit.
5 min read · Updated June 2026
Compare your options
Business Loan vs. Business Credit Card: Which Should You Use?
The right tool for each expense — and the costly mistake of carrying a big balance on a card.
6 min read · Updated September 2026
Compare your options
Equipment Leasing vs. Financing: Which Is Better?
Ownership, payments, upgrades, and how to decide between leasing and financing equipment.
5 min read · Updated June 2026
Compare your options
Invoice Factoring vs. Accounts Receivable Financing
Both turn unpaid invoices into cash — here's how they actually differ and which fits your business.
5 min read · Updated September 2026Credit scores and business credit
Credit
Credit
Can I Get a Business Loan With a 650 Credit Score?
What a 650 score really means to lenders, which programs stay open, and how to strengthen your file.
5 min read · Updated September 2026
Credit
How to Build Business Credit Fast: A Step-by-Step Plan
The right order of operations — EIN, DUNS, reporting tradelines — and how to get funded while it builds.
7 min read · Updated June 2026
Credit
Business Credit Scores Explained
Ranges, how to check, and how to improve.
8 min read · Updated October 2026
Credit
EIN-Only Business Loans: What's Real
No personal guarantee or credit check: what is realistic.
7 min read · Updated October 2026Funding for your situation
By owner or stage
By owner or stage
Startup Business Funding With No Revenue: What's Actually Possible
The honest options before revenue, and the fastest path to fundable once deposits land.
6 min read · Updated June 2026
By owner or stage
Business Loans for Women-Owned Businesses
WOSB certification, SBA programs, and revenue-based financing — what actually moves the needle.
6 min read · Updated June 2026
By owner or stage
Business Loans for Veteran-Owned Businesses
SBA Veterans Advantage, VOSB certification, and how to combine SBA savings with faster funding.
6 min read · Updated June 2026
By owner or stage
Business Loans for Minority-Owned Businesses
MBE certification, CDFIs, SBA community lenders, and faster revenue-based options.
6 min read · Updated September 2026
By owner or stage
Franchise Business Funding: Startup Costs & Financing Options
SBA franchise loans, franchisor financing, equipment loans, and what lenders review in an FDD.
6 min read · Updated June 2026
By owner or stage
Seasonal Business Cash Flow: How to Survive the Slow Months
Forecast the dip, fund before the rush, and pick the right tool for off-season payroll.
6 min read · Updated June 2026
By owner or stage
Business Loan for a New LLC or New Business
Options by stage and how to qualify.
8 min read · Updated October 2026
By owner or stage
How to Get a Loan to Buy a Business
SBA 7(a), seller financing, and equity.
8 min read · Updated October 2026Industry guides
Funding for your industry
Full funding pages for our main industries, plus shorter guides for specific business types. See every industry on the industries we fund page.
Industry funding pages
Restaurants
Retail
E-commerce
Construction
HVAC
Plumbing
Electricians
Roofing
Landscaping
Moving companies
Medical practices
Dental practices
Veterinary practices
Daycares
Trucking
Auto repair
Manufacturing
Salons and spas
Industry guides
Auto Body Shop Loans
Car Dealership Business Loans
Car Wash Business Loans
Catering Business Loans
Chiropractic Practice Loans
Coffee Shop Business Loans
Convenience Store Business Loans
Business Loans for Courier & Delivery Companies
Business Loans for Driving Schools
Business Loans for Dry Cleaning Businesses
Flooring Company Business Loans
Food Truck Business Loans
Furniture Store Business Loans
Gym & Fitness Studio Loans & Funding
Business Loans for Insurance Agencies
Business Loans for Junk Removal Companies
Logistics Business Loans
Optometry Practice Loans
Pest Control Business Loans
Pool Service Business Loans
Business Loans for Property Management Companies
Business Loans for Real Estate Agents & Brokerages
Business Loans for Self Storage Facilities
Business Loans for Solar Installation Companies
Tire Shop Business Loans
Business Loans for Vending Machine Businesses
Business Loans for Wedding & Event Planning Businesses
Yoga Studio Business Loans
Funding programs
Explore the programs
Merchant cash advanceFunding based on your sales, reviewed on revenue more than credit.
Working capital loansShort-term funding for payroll, inventory, and cash-flow gaps.
Business term loansA lump sum with fixed, predictable payments for planned growth.
Lines of creditDraw what you need, repay, and draw again.
Equipment financingMachinery, vehicles, and technology, secured by the equipment.
SBA loansGovernment-guaranteed loans with longer terms for qualified businesses.
Accounts receivable financingTurn unpaid invoices into working capital.
Real estate financingBuy or refinance commercial property.
Bad credit business fundingOptions when your credit is below what banks want.
Loan, MCA & line of credit calculatorCompare payments, total cost, and estimated APR.
Ready when you are
Know your options before you apply
One 60-second form, soft check only. A funding specialist tells you which programs fit your business.