Funding Intelligence
For Business Owners.
Free guides, glossary terms, and expert tips to help you navigate B2B lending, strengthen your financial profile, and make smarter capital decisions.
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What Is Working Capital and Why Does It Matter?
Working capital is the lifeblood of any operating business. Learn how to calculate it, why lenders care about it, and how to improve yours before applying for funding.
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What Is Working Capital and Why Does It Matter?
Working capital is the lifeblood of any operating business. Learn how to calculate it, why lenders care about it, and how to improve yours before applying for funding.
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The Complete Guide to Equipment Financing for Small Businesses
Buying equipment outright drains cash reserves. Discover how equipment financing lets you acquire the assets you need while preserving capital for operations and growth.
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7 Proven Ways to Improve Your Business Credit Score
A strong business credit profile unlocks better rates and higher approval odds. Here are seven actionable steps you can take starting today to strengthen your score.
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Invoice Factoring Explained: Turn Receivables Into Immediate Cash
Waiting 30, 60, or 90 days for clients to pay is a cash flow killer. Invoice factoring lets you unlock that money now — without taking on new debt.
Read MoreBusiness Line of Credit vs. Term Loan: Which Is Right for You?
Both products provide capital, but they serve very different purposes. This side-by-side comparison will help you choose the right tool for your situation.
Read More10 Cash Flow Management Tips Every Business Owner Should Know
Cash flow problems are the leading cause of small business failure — yet most are preventable. These ten habits will help you stay ahead of the curve.
Read MoreLending Glossary
Annual Percentage Rate (APR)
The yearly cost of borrowing expressed as a percentage, including interest and fees. APR allows you to compare the true cost of different loan products on an apples-to-apples basis.
Accounts Receivable
Money owed to your business by customers for goods or services already delivered. Receivables can be used as collateral or sold to a factoring company for immediate cash.
Collateral
An asset pledged by a borrower to secure a loan. If the borrower defaults, the lender can seize the collateral. Many of our products require no collateral.
Debt Service Coverage Ratio (DSCR)
A measure of a business's ability to repay debt. Calculated by dividing net operating income by total debt service. Lenders typically look for a DSCR above 1.25.
Frequently Asked Questions
How quickly can I get funded?
What credit score do I need to qualify?
How much can I borrow?
Do I need collateral?
Will applying affect my credit score?
Can I apply if my business was declined elsewhere?
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