Resources
SBA guides & resources
Plain-English explainers on every SBA program and the process, plus in-depth articles on how we match you and what actually moves your options.
Start here
How the SBA loan process works
The three steps from estimate to funding, and what to expect at each one.
Read →Specialist vs. marketplace
Why a dedicated financing advisor beats an anonymous lender marketplace on cost and trust.
Read →SBA loan calculator
Estimate your monthly payment by amount, term, and rate.
Read →SBA loan eligibility
The general requirements and how to find out if you qualify.
Read →In-depth articles
The match engine
How we decide what to recommend
Every recommendation on this site comes from a scored fit across your purpose, credit, time in business, revenue, and amount — not from whichever product pays us the most. Here's the actual math, and why merchant cash advance is ordered last.
Read →What actually moves your match
The five numbers that decide your options
Revenue, time in business, credit, requested amount, and purpose — these five inputs decide which financing options are even on the table before rate or term ever come up. Here's how each one moves the recommendation.
Read →Guides
SBA loans: the cheapest money you'll wait the longest for
How the SBA guarantee actually works, which of the six programs fits, what the low payment costs you in time, and when waiting ninety days is the wrong call.
Read →Business term loans: the term matters more than the rate
A worked comparison of one-, three-, and five-year term loans on the same $100,000, plus the fees that don't show up in the rate and when speed is worth the premium.
Read →Working capital loans: borrowing for the gap, not for growth
What a working capital loan covers, why the payment schedule matters more than the rate on short money, and the honest test for whether borrowing fixes your cash-flow gap.
Read →Business lines of credit: you're paying for access, not for money
How draw-day interest actually adds up, why an undrawn line costs almost nothing, and the discipline that separates a credit line from an expensive term loan.
Read →Equipment financing: match the term to the life of the machine
Why the asset securing the loan changes who qualifies, what a $80,000 machine costs over three, five, and seven years, and the over-terming mistake that outlasts the equipment.
Read →Revenue-based financing: flexible payments, fixed cost
Payments flex with your sales but the payback total doesn't move — which means repaying faster raises the implied annualized cost. Here's the math, worked four ways.
Read →Asset-based lending: borrowing against what you already own
How a borrowing base is built from receivables and inventory, which assets get excluded before you ever see a limit, and what the reporting really costs in time.
Read →Bridge loans: cheap by the month, ruinous by the delay
A bridge loan is underwritten on its exit, not on your business. Here's what nine months of interest-only actually costs, and what five months of slippage adds.
Read →Franchise financing: funding the fee, the build-out, and the ramp
A $450,000 franchise project costed line by line, why the ramp period is the item owners forget, and what an approved-brand list actually changes about your file.
Read →Purchase order financing: when the order is bigger than the bank account
The fee looks small and annualizes high — but the number that decides the deal is what it takes out of your margin. Worked at a healthy margin and a thin one.
Read →Business acquisition loans: the target's numbers decide the deal
A $1,000,000 acquisition structured line by line — equity, seller note, and bank debt — with the debt-service coverage test that actually determines whether it funds.
Read →Inventory financing: a bet on how fast the stock moves
The cost of inventory financing is set by turn speed, not by the rate. What $100,000 of stock costs at six months, and what it costs when the season disappoints.
Read →Invoice factoring: buying back your own cash flow
Your customers' credit is what gets underwritten, and their payment habits set your cost. A $50,000 invoice, worked at thirty days and at sixty.
Read →Commercial real estate loans: buying the building you already occupy
Amortization, balloons, and the down payment gap between conventional and SBA 504 — worked on a $750,000 property, including what's still owed at year five.
Read →Startup financing: what's actually available before year two
An honest map of what a business under two years old can get, what it can't, and how the first $30,000 is priced when there's no trading history to underwrite.
Read →Merchant cash advances: the most expensive money on this site
A factor rate translated into a real annualized cost, the daily remittance mechanics, the stacking trap, and the narrow cases where an advance still makes sense.
Read →SBA program guides
SBA 7(a) Loan
The most flexible SBA loan for almost any business purpose.
Learn more →SBA 504 Loan
Long-term, fixed-rate financing for property and big equipment.
Learn more →SBA Express Loan
A streamlined SBA option when speed matters.
Learn more →SBA Microloan
Smaller-dollar SBA financing for newer and growing businesses.
Learn more →SBA CAPLines
SBA lines of credit for cyclical and contract-based businesses.
Learn more →SBA Export Loans
Financing built for businesses selling into global markets.
Learn more →See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.