Pick the kind of capital you are after. Each funding type has its own set of guides on who offers it, what it costs, what the lender underwrites and what to bring.
Business funding
SBA Loans — 7(a) and 504 loans through SBA lenders: eligibility, the document stack, timelines and what the guaranty does and does not change. (81 guides)
Working Capital — Short-term capital for payroll, inventory, a slow quarter or growth: term loans, lines and bank-statement programs. (104 guides)
Business Lines of Credit — Revolving lines secured and unsecured, how they are sized, what they cost to keep open and when a line beats a term loan. (77 guides)
Term Loans — Fixed-payment loans from banks and private lenders, secured and unsecured, for expansion, buildouts and one-time projects. (28 guides)
Equipment Financing — Loans and leases against the equipment itself: trucks, machines, medical devices, kitchens and fixtures, new or used. (81 guides)
Invoice & PO Financing — Factoring, receivables lines and purchase order financing that turn unpaid invoices and confirmed orders into cash. (43 guides)
Revenue-Based Financing & MCA — Capital repaid from a share of sales or card settlements: when it fits, what it costs and the red flags. (23 guides)
Inventory & Floor Plan Financing — Inventory lines, floor plans and supplier programs for retailers, dealers, distributors and brands. (27 guides)
Business Acquisition Financing — Buying a business, a practice or a book of business: SBA 7(a), seller notes, earnouts and partner buyouts. (25 guides)
Franchise Financing — Funding the initial investment, the buildout and the next unit for franchisees of every brand. (5 guides)
Owner-Occupied Commercial Real Estate — Buying or building the property a business runs in: SBA 504, 7(a) and conventional commercial mortgages. (36 guides)
Startup Funding — Capital for pre-revenue and early-stage businesses: SBA, equipment, owner credit, and what lenders need before year two. (20 guides)
Refinancing & Debt Consolidation — Replacing expensive debt with a term loan, consolidating advances and restructuring payments. (3 guides)
After a Bank Decline — What to do when the bank says no: challenged credit, thin files, young businesses and the lenders that read them differently. (44 guides)
Real estate investor financing
DSCR Rental Loans — Rental property loans underwritten on the property's rent rather than the owner's tax returns. (17 guides)
Fix & Flip Loans — Purchase and rehab financing with draws, after-repair value, and the math investor lenders run. (9 guides)
Bridge Loans — Short-term loans that close fast and carry a property to a sale, a refinance or a stabilized loan. (9 guides)
Construction Loans — Ground-up and heavy-renovation financing: draws, budgets, contingency and the lender's inspection cycle. (3 guides)
Portfolio & BRRRR Loans — Blanket loans across several rentals and the refinance step of the BRRRR method. (3 guides)
Oil & gas
Reserve-Based Lending — Borrowing bases and production loans sized on proved developed producing reserves. (10 guides)
Drilling & Completion Capital — Project financing for drilling programs, completions, workovers and working-interest shares of an AFE. (9 guides)
Mineral & Royalty Loans — Borrowing against royalty income and financing mineral acquisitions without selling the interest. (3 guides)
Oilfield Services Funding — JIB factoring, receivables lines, equipment and payroll funding for service companies paid on E&P terms. (3 guides)
Energy Acquisition Financing — Debt for buying producing properties, working interests, royalties and leases. (5 guides)