Business Capital Resources
Clear, educational guides to help you understand business financing and your options — organized by topic.
MCA Solutions
MCA Buyout vs Restructuring vs Settlement
A side-by-side comparison of the three primary MCA relief paths.
Can't Afford Your MCA Payments?
A practical guide for business owners whose MCA payments have become unsustainable.
MCA Default: What Are Your Options?
What happens when a business defaults on an MCA and what options may still be available.
What Is an MCA Buyout?
How replacing one or more existing MCA positions with another financing structure works.
Can You Buy Out Multiple MCAs?
Whether multiple MCA positions can be consolidated.
What Documents Are Needed for an MCA Buyout?
The common documents reviewed to evaluate an MCA buyout.
How Does an MCA Factor Rate Work?
What a factor rate is, how it sets the payback amount, and why it isn't an APR.
Daily vs Weekly MCA Payments
How payment frequency affects cash flow and which may fit your deposit cadence.
Can an SBA Loan Refinance an MCA?
SBA SOP 50 10 8 made MCA refinancing ineligible — what it means for your options.
Business Debt Solutions
How to Lower Business Debt Payments
Practical steps for business owners whose debt payments have become too high.
Profitable but Debt Payments Too High?
What to do when the business is profitable but overleveraged.
Refinance vs Restructure vs Settle Business Debt
A comparison of the three primary business debt relief paths.
Business Acquisition
How to Finance the Purchase of a Business
A comprehensive guide to business acquisition financing.
SBA 7(a) Loans for Business Acquisition
How the SBA 7(a) loan program works for financing a business purchase.
Seller Financing in Business Acquisition
How seller financing (seller notes) work in a business acquisition.
Business Acquisition Down Payment
Understanding the down payment required to buy a business.
SBA Loans
SBA Loan Requirements: What You Need to Qualify
A comprehensive guide to SBA loan requirements — eligibility, credit, down payment, DSCR, documents.
SBA 7(a) vs SBA 504: What's the Difference?
A comparison of the two main SBA loan programs.
SBA 7(a) vs Conventional Business Loan
A comparison of SBA 7(a) loans and conventional business loans.
Commercial Real Estate & Construction
Owner-Occupied vs Investment Commercial Real Estate
Understanding the difference and how financing differs for each.
How Construction Financing Works
A comprehensive guide to construction loans — draws, LTC, LTV, and more.
Construction Loan LTC & LTV
Understanding Loan-to-Cost and Loan-to-Value for construction loans.
Construction-to-Permanent Loans
How single-close construction-to-permanent loans work.
Raw Land Financing: How to Finance Land Purchases
A guide to financing raw land and development land.
Investment Property & DSCR
How DSCR Loans Work: A Complete Guide
A comprehensive guide to DSCR loans for investment property financing.
Minimum DSCR for Investment Property Financing
What DSCR do you need to qualify? Understanding minimums and how to improve yours.
DSCR Loan vs Conventional Investment Property Loan
A comparison of DSCR loans and conventional investment property loans.
Comparisons
MCA vs Business Term Loan
How an MCA compares to a term loan — structure, cost, and repayment.
MCA vs Business Line of Credit
How an MCA compares to a revolving line of credit.
Business Line of Credit vs Term Loan
The difference between revolving credit and a lump-sum loan.
Equipment Loan vs Lease
A comparison of equipment loans and equipment leases.
Invoice Factoring vs Line of Credit
A comparison of invoice factoring and a business line of credit.
Asset-Based Lending vs Traditional Financing
A comparison of asset-based lending and traditional bank financing.
Lines of Credit & Private Credit
How Business Lines of Credit Work
Revolving credit, draw-and-repay mechanics, and when a LOC fits.
What Is Private Credit for Businesses?
How private credit differs from traditional bank financing and when businesses explore it.
What Is Appropriate Capital?
Understanding our philosophy and approach to business capital.
Ready to explore your options?
Submit your information and our team will review which available capital solutions may be appropriate.