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
As a dental practice, your first priority is patient care. But let’s face it – no one likes going to the dentist. Improving the patient experience requires cutting-edge dental equipment to ensure patient comfort.
Unfortunately, dental equipment is probably your most significant expense. Whether trying to replace older equipment or expand your practice, purchasing dental equipment puts a big dent
Many automotive repair businesses use various financing options to ensure they have the most reliable tools to service today’s demand. However, you want to get the best deal possible.
Equipment financing could be your solution, from independent auto repair shops to dealership maintenance and everything in between. How can your shop get new or additional equipment to support your equipment
Your construction, landscaping, or building maintenance company relies on heavy equipment to get the job done. Whether it’s a bulldozer to excavate a foundation or a crane for new construction, you need heavy machinery as dependable as your work ethic.
Construction companies often turn to equipment financing to solve the dilemma of needing new equipment without the capital to purchase
Considering buying business aircraft? You can use planes or helicopters for various needs, such as transporting clients, executive travel, or shipping goods. However, you need to consider the cost and the risks.
Aircraft finance options and prices vary as widely as the planes available. One possible way to finance aircraft is with an equipment loan.
There are several SBA loans; most take weeks to months to get approval and receive funding. However, as its name implies, the SBA Express Loan significantly shortens the application process and funding time.
The faster funding time results in lower borrowing amounts and higher interest rates, but it might be worth it if your business needs quick funding.
