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.
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Guides
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.
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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.
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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.
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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.
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Four invented invoice scenarios, and what decided each customer's payout
Four invented invoice-financing scenarios, each with its arithmetic: retention, customer concentration, whole-turnover fees and a disputed milestone, and what decided each payout.
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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.
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Startup Loans Calculator: Cost Example, Not a Tool
This startup loans calculator is not an actual tool. It uses an invented loan to explain amortization, an upfront fee, a deferred start, and repayment costs.
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Why can't SBA loans lenders be ranked in a simple list?
'Best SBA loans lenders 2027' has no universal answer. Use SBA Lender Match, then score program fit, amount, sector, speed, servicing and comparable price.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
Guides
Nine lines of credit mistakes from application to closure
Lines of credit mistakes include limits, draw conditions, fees, guarantees, renewals, and liens. Review nine issues from application through account closure.
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.