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Business financing guides
Plain-English answers to the money questions small business owners actually ask — each guide paired with a free calculator so you can run your own numbers.
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SBA 7(a) vs 504: Which Loan Is Right for You?
The real difference between the two SBA programs — and when each one wins.
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Factor Rate vs APR: How to Find the True Cost
Why a 1.3 factor rate can mean an 80%+ APR, with worked examples.
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What Is DSCR and What Ratio Do Lenders Want?
How to calculate debt service coverage ratio and hit the 1.25x bar.
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How Much Down Payment for a Business Loan?
Typical down payments by loan type, and how to lower yours.
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Should You Lease or Buy Business Equipment?
The total-cost and tax math behind the lease-vs-buy decision.