Loan Types
Financing, explained without the jargon
Every option works differently and suits a different situation. Start with the type that matches your goal, then compare providers. We never quote rates that go stale — confirm current terms directly with a lender.
SBA Loans Explained for Small Businesses
How SBA 7(a), 504, and microloans work, who qualifies, what they cost, and how to apply — in plain language for small-business owners.
SBA Microloans: How They Work
SBA microloans offer up to $50,000 through nonprofit community lenders, often for newer businesses. Here's how they work, what they fund, and how to apply.
Business Term Loans: How They Work
A business term loan is a lump sum repaid on a fixed schedule. Here's how term loans work, what they suit, short vs. long term, and how to qualify.
Business Line of Credit: How It Works
A business line of credit gives you a reusable credit limit you draw on as needed. Here's how it works, what it suits, and how it compares to a term loan.
Working Capital Loans for Small Businesses
Working capital loans cover day-to-day costs like payroll, rent, and inventory. Here's how the main options work, what they suit, and how to qualify.
Business Acquisition Loans: Buying a Business
A business acquisition loan finances buying an existing business — usually via an SBA 7(a) loan. Here's how it works, the down payment, and what lenders want.
Equipment Financing for Small Businesses
Equipment financing uses the equipment itself as collateral, so it's often easier to qualify for. Here's how it works, who it suits, and how to compare offers.
Business Vehicle Financing: How It Works
Business vehicle financing uses the vehicle as collateral to fund cars, vans, and trucks for your company. Here's how it works, loan vs. lease, and who qualifies.
Commercial Truck Financing for Owner-Operators
Commercial truck financing funds semis, box trucks, and work trucks using the truck as collateral. Here's how it works, options for startups, and what lenders want.
Invoice Factoring for Small Businesses
Invoice factoring turns unpaid invoices into immediate cash. Here's how factoring works, how it differs from invoice financing, costs, and who it suits.
Fleet Financing for Small Businesses
Fleet financing funds multiple business vehicles at once. Here's how it works, when it beats financing vehicles one by one, and what lenders look for.
Franchise Financing: How to Fund a Franchise
Financing a franchise means covering the franchise fee, build-out, and working capital. Here's how franchise financing works and the SBA's central role.
Startup Business Loans: Your Options
Financing a business with little history is hard but not impossible. Here are the real startup business loan options, what lenders look for, and how to qualify.
Bad Credit Business Loans: What Works
Weaker credit narrows your options but doesn't end them. Here are realistic bad-credit business loan options, what lenders weigh, and how to improve your odds.
Merchant Cash Advances: What to Know
A merchant cash advance gives fast cash for a slice of future sales — but it's one of the most expensive options. How MCAs work and safer alternatives.