Resources

How small business funding actually works

Mechanics, pricing math, and comparisons written by the underwriting desk. Each guide opens with a plain-language summary and states the answer before the explanation.

Rates & Pricing
2026-02-11
6 min read
Factor rate vs. APR: how to compare the real cost of funding
A factor rate is a fixed multiple of the funded amount and does not change with time; APR expresses cost as an annualized time-based rate.
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Underwriting
2026-03-04
8 min read
How automated small business underwriting actually works
Automated underwriting replaces static document review with live transaction data, so a decision that took days of manual spreading returns in minutes.
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Comparisons
2026-01-22
7 min read
MCA vs. term loan vs. line of credit: a structural comparison
A merchant cash advance repays as a share of revenue at a fixed factor rate; a term loan repays fixed installments with simple interest; a line of credit revolves and charges only on drawn balances.
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Operations
2026-04-15
6 min read
Cash flow management for revenue-cyclical businesses
Most small business cash crises are timing problems, not profitability problems.
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Product pages

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How small business funding actually works

Factor rate vs. APR: how to compare the real cost of funding

How automated small business underwriting actually works

MCA vs. term loan vs. line of credit: a structural comparison

Cash flow management for revenue-cyclical businesses

Go straight to the structure you are evaluating

Apply when the structure is clear