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
SBA 504 loans – or CDC/504 loans – are a specialized subset of the SBA loan program that provides long-term financing for major fixed assets that promote business growth. 504 loans also require working with Certified Development Companies (CDCs) and a third-party lender (TPL) to process the application and receive funding.
The drawback is that SBA loans also carry the steepest qualification requirements. That becomes even more muddled as there are no exact requirements, and each lender sets their own standards.
If you’re considering SBA 7(a) loans but aren’t sure if you qualify or how to qualify, we can help with this essential guide.
Some truckers use freight factoring to turn unpaid invoices into immediate cash. However, factoring can get expensive, especially with the different companies and terms available.
Unfortunately, new equipment is expensive – especially in the healthcare industry. Many healthcare providers turn to medical equipment financing when they don’t have the capital to pay the total price upfront.
An equipment loan could help your medical practice get the equipment you need and provide the best for your patients. How can your company benefit from a business loan?
Today, we’re going to focus on one of the most important aspects of a business loan: Collateral. When you offer collateral for your small business loan, you’re putting skin in the game, which increases your approval odds.
