Guides
SBA 7(a) vs 504 loan: Structure and fit
SBA 7(a) vs 504 loan: compare eligible uses, bank and CDC financing, owner occupancy, and which real estate or equipment projects fit each.
Desk
Practice Desk
Method, sequence and the decisions that shape enterprise loan options before anyone spends money.
Guides
BDC loan vs bank loan for working capital in Canada
BDC loan vs bank loan for working capital in Canada turns on price against eligibility, with security, speed and sector caps deciding which one fits.
Guides
How the CSBFP, BDC and bank term loans divide Canadian files
Enterprise loan options in Canada split three ways: the CSBFP guarantee, BDC term loans and chartered bank facilities each fit a different file.
Features
Prairie equipment financing and the harvest cycle, explained for Manitoba and Saskatchewan
Prairie farm equipment financing in Canada: how FCC, MASC Direct Loans, Canadian Agricultural Loans Act guaranteed bank loans and dealer finance such as John Deere Financial time repayment to the Manitoba and Saskatchewan harvest.
Features
Seasonal operating lines: Canadian enterprise loan options
Canadian enterprise loan options for seasonal tourism and fishing: how an operating line is sized, backed, repaid, and what the CSBFP line costs.
Guides
Do federal northern loan programs fit Yukon, NWT and Nunavut transport costs?
Enterprise loan options in Yukon, NWT and Nunavut must price freight and missing collateral, because southern underwriting rules rarely fit northern files.
Maintenance
How to test an invoice financier's treatment of your customers before you sign
Invoice financiers are collections partners too. How to test the way a financier treats your customers, how to count the fee, and the five definitions that decide the deal.
Features
How enterprise loan options reprice in Alberta
Enterprise loan options in Alberta reprice off the Bank of Canada rate, margins and advance rates. What resets at renewal and what to renegotiate first.
Guides
Application and repayment mistakes: nine from before applying to after the last payment clears
Nine mistakes in small business borrowing applications and repayment, from shopping with full applications to not closing the file after the last payment clears.
Rules
Invoice Financing Requirements: What to Prepare
Invoice financing requirements: prepare customer records, proof of completed work, reconciled books, contract checks, and questions about facility terms.
Maintenance
Invoice financing decides eligibility by watching your customer, not you
Invoice financing asks whether your customer will pay, not whether you can. One invoice traced end to end, plus concentration, dilution and recourse.
Reviews
How to turn an application and repayment offer into one annual cost
Application and repayment: converting any offer into one comparable annual cost with a worked example, the fees outside the quoted rate, and what you actually sign at closing.
Maintenance
Startup loans mistakes: nine to avoid
Startup loans mistakes often start before funding. These nine errors cover loan size, guarantees, lender offers, credit files, and application timing.
Rules
Startup loans: trading-record substitutes and SBA options
Startup loans: what lenders take in place of a trading record, what a guarantee reaches, and the amounts, rates and terms of SBA microloans and 7(a) loans.
Features
One cafe, three merchant cash advances decisions, compared side by side
Three merchant cash advance paths for one cafe: a dated fit-out, a winter shortfall, and a second advance that stacks two holdbacks on one stream of card sales.
Industry
Merchant Cash Advances: How the Contract Works
Merchant cash advances are written as purchases, but repayment terms matter. Learn how factor rates, cost calculations and contract risks fit together.
Maintenance
SBA loans rules 2027: Where to check for updates
SBA loans rules 2027: Check federal law, SBA guidance, lender policies, and signed documents to understand where current requirements come from.
Industry
SBA loans mistakes, and the fixes that hold
SBA loans mistakes are about assumptions rather than paperwork, and each one sends an applicant down a longer or costlier path than was necessary.
Guides
SBA loans: 7(a) guarantee and selected fee tiers
SBA loans: who the 7(a) guarantee protects, selected guarantee-fee tiers, and how lenders negotiate rates subject to SBA maximums.
Rules
Reviewing a loans by industry claim before you believe it
Loans by industry: how to review a claim aimed at your trade, turn it into questions for a call, and read the offer that follows in the right order.
Guides
SBA loan vs term loan for a delivery van: how they differ
SBA loan vs term loan for a delivery van: how maturity, guaranty, fees, paperwork and personal guarantees differ, and which fits the van's working life.
Guides
SBA microloan vs bank term loan for a food truck: which one fits?
Compare SBA microloan caps, rates, and collateral rules against bank term loans for a food truck, including mobile-asset security and credit expectations.
Rules
Lines of credit checklist for after signing: dates, routine, exit
Lines of credit checklist for after signing: the dates to calendar, the monthly routine, the file to rebuild before renewal and the steps that close it cleanly.
Industry
The shape of a credit line balance reveals the business behind it
Lines of credit examples start with your own: what the shape of your balance over two years says about the business, and the patterns worth reading.
Guides
Equipment financing: three rulebooks and who governs what
Equipment finance agreements answer to three rulebooks. What each one decides, who keeps each rulebook, and how to check the position for your own deal.
Maintenance
Loans by credit profile examples: four illustrative blemishes
Loans by credit profile examples: four illustrative businesses, one credit blemish each, and the preparation that changed the outcome for each one.
Reviews
Loans by industry requirements in plain terms
Loans by industry requirements in three layers: the file every applicant provides, what your payment method adds, and what your sector's gatekeepers add.
Guides
How SBA loans fund marketplace startup revenue models in Texas
SBA loans marketplace startup Texas founders can use: how 7(a), 504 and microloans work, which Texas lenders fund them, and what lenders check.
Guides
Small business loans in Canada: security, documents and timing
Small business loans in Canada: how banks, credit unions, BDC and the CSBFP work, what security lenders take, and the documents a file needs to clear.
Features
Equipment financing mistakes in the paperwork
Equipment financing mistakes in the paperwork: the quote, agreement, UCC filings, acceptance certificate and end-of-term notice, with what to check in each.
Features
Lenders for term loans: what each institution is actually built to do well
Term loan lenders sorted by what each institution type is built to do well, with named banks, credit unions and community lenders to compare.
Features
Loans by credit profile: what a weaker file actually changes
A directory of business loan products sorted by credit profile, with typical terms, cost bands, lender types, and a checklist for comparing offers.
Guides
Loans by industry: five cash-flow pointers
Loans by industry: five cash-flow pointers on timing, repayment fit, retention, seasonality, and customer concentration risk.
Reviews
Term loans calculator: build a sheet that tests a payment
Build your own term loans calculator in a spreadsheet: eight inputs, PMT and RATE to test a quoted payment, then place each charge and cost the offer.
Costs
Ownership versus payment: what an equipment financing deal really turns on
Equipment financing turns on ownership: who holds title, what you own at the end, and how to set a term against the working life of the machine.
Reviews
Lines of credit: terms to review before signing
Lines of credit terms to review before signing, from revolving access and fees to draw conditions, clean-up provisions, collateral and lender questions.
Features
Term loans, matched to what they buy: amortisation compared against asset life
Term loans are the plainest instrument in business finance, so the errors are of shape: how amortisation behaves, and matching a term to what it buys.