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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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.
UCC Liens and Personal Guarantees in US Small Business Lending: What Business Owners Need to Know
UCC liens give lenders legal claims on business assets like equipment and inventory, while personal guarantees make business owners personally responsible for loan repayment. Most small business loans require both, creating dual layers of security for lenders but significant risk exposure for borrowers.
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. Unlike traditional SBA term loans, this pilot program offers flexible access to funds with annual guaranty fees and tiered interest rates starting at base rate plus 3.0% for larger loans.
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.
Business Loan Terms and How to Apply: A Complete Guide for US Small Businesses
Business loan terms and how to apply vary significantly between traditional banks and alternative lenders, but the core process involves understanding eligibility requirements, preparing financial documentation, and submitting applications through the right channels.
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