Guides
Franchise financing vs startup loan: what the SBA expects
Franchise financing vs startup loan comes down to evidence, not products. SBA rules, directory listings and down payment bands decide how each closes.
Desk
Standards Desk
Requirements, terms and the paperwork that decides whether the work stands up.
Rules
No-doc business loans: what lenders waive and what they still require
No-doc business loans still require documents. This explains which records lenders waive, what substitutes for them, and the disclosure and fraud rules that apply.
Rules
Quebec's French loan documents, what a bilingual borrower must check before signing
Enterprise loan options in Quebec carry French language duties. Check the Charter rules, Investissement Quebec terms and both contract versions before you sign.
Rules
Enterprise loan options: 3 checks before closing
Enterprise loan options deserve three US closing checks: written terms, an all-in borrowing-cost calculation, and a documented route for lender complaints.
Features
7 things worth knowing about invoice financing rules
Invoice financing rules span four relationships, each with its own rulebook: characterisation, filing, licensing and disclosure, and how to check where you sit.
Features
Startup loans comparison, tested against experience
Startup loans compared on four axes against equity, customer money and asset finance, with a way to match the instrument to what the money actually does.
Industry
Vetting the broker and funder behind merchant cash advances
Merchant cash advances usually arrive through a broker. Questions to ask on the first call, who to check the names with, and what to get in writing.
Rules
Merchant Cash Advances Calculator: Estimate Costs by Hand
Use this merchant cash advances calculator guide to estimate annualized cost by hand from the advance, fees, payment schedule, and estimated payback term.
Rules
Term loans mistakes: nine errors from sizing the request to closing the file
Nine term loan mistakes in the order they happen, from sizing the request through covenants, prepayment, refinancing and closing the lien file out.
Industry
Loans by industry mistakes: six offer-sheet checks
Loans by industry mistakes that show on the offer sheet: how repayment is taken, annual cost, pre-revenue months, retention, term and a decline letter.
Guides
Loans by credit profile review: audit your records
Loans by credit profile review is an owner audit of personal and business credit files, UCC filings, and loan covenants to check before financing.
Costs
File Prep for Loans by Credit Profile Requirements
Loans by credit profile requirements vary by product and lender. Check personal and business reports, dispute errors, and prepare your file before applying.
Guides
Equipment financing checklist, from first line to sign-off
Equipment financing checklist in sequence: the asset, the price, the money, delivery, the first month and the ending, with the dates to set today.
Costs
What a lines of credit calculator can't price for you
A lines of credit calculator can't price a revolving facility, because the usage assumption is yours. Here are the variables, the formula and the usage test.
Maintenance
Lines of credit requirements: how lenders set the limit
Lines of credit requirements: how lenders size a limit from collateral, what they exclude, what you keep reporting, and the published terms of SBA-backed lines.
Industry
7 points on term loans rules that matter
Term loans rules live in your own stack of documents, not in a published code. A reading procedure: definitions first, then seven points before signing.