US Business Funding Guides
Plain-English guides to lenders, eligibility, and costs — so you can walk into a funding decision already knowing the answers.
Business Loans
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Equipment and Expansion: Smart Business Growth Through Strategic Asset Investment
Equipment financing can spread the cost of machinery, vehicles or technology used for expansion. Compare the asset's useful life and resale value with the deposit, repayment term, security, ownership outcome and total cost.
SBA 7(a) Working Capital Pilot: How the New SBA Line of Credit Works
The SBA 7(a) Working Capital Pilot (WCP) provides monitored lines of credit up to $5 million for established small businesses with at least 12 months of operating history.
Term Loan vs Line of Credit vs Merchant Cash Advance: US Small Business Funding Compared
Term loans provide a lump sum upfront for long-term investments, lines of credit offer flexible access to funds as needed, and merchant cash advances deliver fast cash based on future sales.
SBA Loan Rates Explained: 7(a), 504 and Microloan Interest Rate Caps for 2026
SBA loan rates are not one number. Each program sets its own ceiling: 7(a) loans cap the spread a lender can add to a base rate (usually Prime), 504 loans price off a government-guaranteed debenture sold monthly, and microloans let nonprofit intermediaries charge within an SBA-set range.
Ecommerce Business Loans: Inventory, Advertising and Seasonal Cash Flow
Ecommerce business loans for inventory, advertising and seasonal cash flow typically range from $10,000 to $5 million, with revenue-based financing (RBF) and inventory-backed facilities leading the market for online sellers.
Business Line of Credit: How It Works, Costs and Requirements
A business line of credit is a revolving credit limit that lets a company draw funds as needed, repay what it uses, and draw again, paying interest only on the outstanding balance rather than the full limit. Costs typically include interest tied to a benchmark rate plus a lender margin, along with possible draw, maintenance, or origination fees.
Construction Business Loans: Working Capital, Equipment and Project Costs
Construction contractors face a financing challenge that other industries rarely encounter: they need money upfront to buy materials, pay workers, and cover equipment costs, often months before getting paid.
Business Loans for LLCs: Requirements, Credit and Funding Options
LLCs can access business loans through traditional banks, SBA programs, and alternative lenders, but requirements vary significantly. Most lenders evaluate both personal credit (typically 650+ for favorable terms) and business performance, with revenue and time-in-business being key factors.
Business Acquisition Loans: Financing the Purchase of an Existing Company
Business acquisition loans provide capital to purchase existing companies, with SBA 7(a) loans dominating the under-$5 million market at current rates around 9.75%-12.75%.
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