Guides
If you already have an advance
Behind on the debits, two or three positions running at once, a promise of a cheaper loan later, an offer that changed, debits after payoff. What to do first, how consolidation works, what it costs, and what an SBA loan can and cannot pay off.
One application, every lender we work with
Find out what you qualify for.
Eleven questions, about two minutes. The lenders who fund your industry and your state see it; you compare their offers and take one, or none.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
07 guides
If you are behind on an advance
The order to do things in, what not to do, and which guide answers your exact situation.
Consolidating your positions
One new advance pays off the old ones. One debit instead of three, and the total it adds, worked through.
Reverse consolidation
The old advances stay open and a new funder covers their debits. Breathing room, at a price.
Refinancing with an SBA or bank loan
Not while the advance is still running. What SBA's October 2026 rule allows, and what a bank reads instead.
"Take the advance, we'll refinance you later"
Nothing makes the later loan happen, and the advance itself makes it harder to get.
The offer changed after statements
What underwriting legitimately changes, and the signs it was never a real offer.
Debits after payoff
Get the paid-in-full letter, call the bank the same day, and demand the lien release in writing.
Other guides
- If you need money this week
- Something broke
- Whether you'll qualify
- What it costs
- The best options, compared
- Applying without getting burned
- Merchant cash advances, explained
- Working capital, explained
- Equipment financing, explained
- Lines of credit, explained
- Buying, expanding, opening
- Difficult situations
- Why banks decline, by industry
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K