Same-week MCA funding is usually a documentation and verification issue, not a credit-score issue. Your deposits and trends matter more than your FICO. Understanding the difference between approval, contract signing, and funding disbursement is critical.
Approval means an underwriter reviewed your statements and offered terms. Contract signing means you agreed to the factor rate, holdback, and total payback. Funding
If you need financing for your business in 2026, understanding current SBA loan interest rates can save you thousands of dollars. In 2026, SBA 7(a) interest rates are generally priced as a base rate (usually Prime) plus a lender spread, with SBA-set maximum caps that depend on loan size and whether the rate is fixed or variable. This guide provides
How a Business Line of Credit Works Picture this scenario. You’re approved for $50,000. Two weeks later, you draw $12,000 to cover payroll. Interest starts accruing on that $12,000 immediately, but your available credit still shows $38,000. When you repay $5,000 next month, your available credit will increase to $43,000 without reapplying. That’s the core mechanic of revolving credit. A
Running a small business means keeping expenses in check while still stocking up on the necessary supplies to operate smoothly. For many owners, wholesale clubs like BJ’s Wholesale Club offer significant savings by allowing bulk purchases at discounted prices. To make those savings go further, BJ’s also provides its own line of business credit cards, which reward you for BJ’s
What are Online Business Loans? Online business loans are financing products that small businesses can apply for and manage entirely online. They’re offered primarily by online lenders and alternative financing companies, though some traditional banks now offer digital loan programs. What makes them unique is their streamlined application process, faster funding times, and often more flexible eligibility requirements compared to
Business owners that need quick funding to support a short-term project or goal could consider hard money loans if other options aren’t available. But you should know the risks involved and vet the hard money lender as much as possible before agreeing to loan terms.
The increased interest rates, using the property as collateral, and looser regulations for hard money
Business loan brokers with the proper training and a strong work ethic can be their own bosses while making six figures a year. You will often need more networking than other businesses because so much of what you do is relationship management.
One way of looking at ABL and cash flow loans is how lenders perceive you and your business. ABL lenders look at what your business has done and the overall equity of your company – what you can pledge as collateral is the asset. Cash flow lenders also look at what you’ve done, but with an eye towards your future
Quick business financing is a viable option for businesses that need urgent funding and are willing to pay more to get it. Business owners have a wide range of fast business loan options, including term loans, lines of credit, equipment financing, invoice factoring, and merchant cash advances.
Deciding on the right loan program largely depends on what you need the
Businesses can expand in various ways, but the primary goal remains to increase revenue streams. When considering an expansion loan, you should ensure that the expansion activities will support the cash flow to repay the loan.
You should also choose a loan that will provide you with the necessary funds to achieve your expansion goals. There are many loan options,
