Guides.

These articles explain how common types of business financing work, and what to look at before you sign. They are not a second product menu. To see what you can apply for, use Financing.

• Working capital lenders: what they look at and what to expect when you apply

  What working capital lenders look at, what to have ready, and how to compare your options side by side before you sign.

• Working capital.

  Day-to-day cash, payroll, inventory, a slow season.

• Line of credit.

  A limit you draw, repay, and draw again.

• Equipment financing.

  A machine or vehicle the business will keep.

• Term loan.

  One amount on a longer schedule.

• SBA vs short-term.

  When the wait and the paperwork are worth it, and when they are not.

• A cash gap vs waiting on a bank.

  Why short-term financing exists.

• What to check before you sign.

  Type, term, total cost.

• MCA vs a loan.

  An MCA is not a loan, and the cost belongs on the agreement.