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.
Funding resources
Learn before you borrow
No fluff. Straight answers about business funding, credit scores, and what lenders actually look at — written for owners, not bankers.
Funding 101
Understand the money before you take it
What Is a Factor Rate? MCA Cost Explained With Real Math
What 1.25 actually costs in dollars, why it's not an APR, and the 3 questions to ask before signing.
How Fast Can I Get a Business Loan? Real Timelines
Honest timelines by program — and the preparation that puts your file on the fast end of every range.
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.
Business Loan Denied by the Bank? What to Do Next
Why banks decline healthy businesses, the mistakes to avoid in the next 48 hours, and the paths that stay open.
How Lenders Read Your Business Bank Statements
The six numbers underwriters compute from your statements — and a 60-day plan to improve each one.
Documents You Need for Fast Business Funding
The exact checklist that speeds up underwriting. Get these ready before you apply.
Industry Guides
Funding for your exact business
Restaurant Business Loans & Funding Options
Equipment, payroll, renovations, slow seasons — why card-sales restaurants fund easily.
Trucking Business Loans: Fuel, Repairs & Fleet Funding
Bridge slow-paying brokers, fund repairs, and add capacity — built for carriers and owner-operators.
Construction Business Loans & Contractor Funding
Materials up front, payment on completion — funding that bridges the contractor cash-flow gap.
Retail Store Business Loans: Inventory & Seasonal Funding
Stock the shelves before the season — funding timed to your buying calendar.
Medical Practice Financing: Equipment & Expansion
Equipment, build-outs, staffing, and bridging insurance reimbursement cycles.
E-commerce Business Funding: Inventory & Ad Scaling
Inventory deep-buys, ad scaling, and payout-cycle bridges for Amazon and Shopify sellers.
Funding programs
Explore the programs
Revenue Based Financing
Funding based on your sales, not just your credit. The fastest option for card-sales businesses.
Business Term Loans
Fixed amount, predictable payments, faster than the bank — capital for planned growth.
Working Capital Loans
Payroll, inventory, seasonal gaps — short-term capital for the needs that can't wait.
Ready to see your funding options?
One 60-second form. No documents to start, and the short form does not pull credit.
Check My Funding Options