Merchant Cash Advance
A merchant cash advance is a lump sum of capital repaid as a fixed percentage of daily or weekly sales, priced with a factor rate rather than an interest rate.
Read the guide →The Business Capital Authority
How business financing actually works.
Clear, sourced explanations of every major way a business can raise capital — what each option costs, who it fits, and, just as important, when it is the wrong choice. Written by people who arrange this financing for a living.
Financing products
Start with the product you need
Each guide answers the core question first, then goes deep on cost, qualification, and tradeoffs. More guides are published regularly.
MCA Refinance & Debt Consolidation
MCA refinance — also called debt consolidation — replaces one or more high-cost merchant cash advances with a single term loan, lowering monthly cash outflow and often serving as a stepping stone toward later bank or SBA financing.
Read the guide →Invoice Factoring
Invoice factoring converts unpaid B2B invoices into immediate cash by selling them to a factor at a discount.
Read the guide →Commercial Real Estate Financing
Commercial real estate financing funds the purchase, refinance, or improvement of income-producing or owner-occupied property.
Read the guide →SBA Loans
SBA loans are bank loans partially guaranteed by the U.S. Small Business Administration, offering lower rates and longer terms than conventional financing to qualifying small businesses.
Read the guide →Equipment Financing
Equipment financing is a secured loan or lease used to acquire business equipment, with the equipment itself serving as the primary collateral and a term typically matched to the asset's useful life.
Read the guide →Business Line of Credit
A business line of credit is a revolving facility a business can draw from, repay, and reuse, paying interest only on what is drawn.
Business Term Loans
A business term loan is a lump sum repaid over a fixed schedule with a stated interest rate.
Credit Card Processing
Credit card processing is the service that lets a business accept card payments; its cost is driven largely by interchange set by the card networks.
Compare
Not sure which product fits? Compare them side by side.
A direct comparison of speed, cost, qualification difficulty, and best-fit scenario across every financing type we cover.
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