Guides
Working capital, explained
Short-term money for running the business rather than expanding it — what it covers, how the terms work, and when a line of credit is the better shape.
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
08 guides
What it covers
Running the business, not expanding it — and the distinction is priced.
Loan or line of credit
One gap or a recurring one — that is the whole decision.
How long the term runs
Three to eighteen months — and shorter is not the same as cheaper.
Daily, weekly or monthly
Same total, very different effect on the account.
How much to take
The maximum you are offered is almost never the right number.
Repaying early
Depends entirely on whether it is interest or a fixed factor.
Working capital vs term loan
Same mechanics, different horizon — and a very different bar.
Seasonal businesses
Twelve months of statements, and apply on the way up.
Other guides
- If you need money this week
- Something broke
- Whether you'll qualify
- What it costs
- The best options, compared
- If you already have an advance
- Applying without getting burned
- Merchant cash advances, 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