The fine print, in plain dollars.
Free education for owners who want clarity before they take capital. We skip invented approval odds and pressure language. When you are ready, the team that wrote these guides can walk an application with you.
Start with these three.
Read these before you talk to a partner. Each one is short and stays in plain dollars.
MCA basics, in plain English
What a merchant cash advance is, how remittances work, and what the multiplier means in dollars.
Read the guideReading your contract
Five things to check in dollars and days before you sign anything.
Read the guidePersonal guarantees
What a personal guarantee actually asks of you, and the questions to raise.
Read the guideGo deeper on the mechanics.
How the money moves and who sits on the other side of the contract. Read these when you want the detail.
Broker vs lender
How a broker and a lender differ on who approves you and who gets paid, and why that matters to you.
Read the guideDaily and weekly remittances
How automatic collections work, and what changes for you when sales drop.
Read the guideStacking risks
What a second advance does to your remittance load, and what to ask first.
Read the guideHow term loans are priced
How term loans get quoted, the lender channels you can use, and why the advertised starting APR is usually not what you pay.
Read the guideReading a term-loan offer
How repayment works, which channel fits, prepayment terms to check, and the questions to ask before signing.
Read the guideHow lines of credit are priced
Why a line of credit costs you only on the amount you draw, the lender channels you can use, and why the advertised starting APR is usually not what you pay.
Read the guideUsing a line of credit
How draws and repayment revolve, why the headline APR is not the cost, typical utilization, and the questions to ask before signing.
Read the guideHow equipment financing is priced
Why an asset-backed deal prices below the unsecured structures, the loan-or-lease split, and the three lender channels and the typical cost range for each.
Read the guideLoan or lease on equipment
The four ways a lease can end and their tax treatment, which channel fits, the ticket-size reality, and the questions to ask before signing.
Read the guideHow invoice factoring is priced
Why factoring is a sale of receivables and not a loan, the advance percentage and factoring fee by industry, the reserve mechanic, and the APR-equivalent as a comparison-only overlay.
Read the guideUsing invoice factoring
Why the factor underwrites your customer and not you, how the advance and reserve move, the ancillary-fee layer, recourse versus non-recourse, and the questions to ask before signing.
Read the guideHow SBA loans are capped
The one financing structure with a federal legal ceiling on its APR, the 7(a) and Express caps by loan size, and how the cap floats over Prime.
Read the guideGetting an SBA loan
Which program fits, the loan-size reality, how you qualify, the fee layer, how a referral fee is disclosed, and the questions to ask before you apply.
Read the guide