Term Loans & Credit Lines
Banks, credit unions, CDFIs and online lenders — the boring options that usually win.
Term Loans & Credit Lines
How do subcontractors cover payroll while waiting on draws?
When draws lag, payroll still hits every Friday. Size the bridge with reserves, terms, and documented working-capital options before you stack more jobs.
Term Loans & Credit Lines
How do contractors fund mobilization before the first draw?
Mobilization is a cash event, not a paperwork line. List every week-one cost before the first draw and decide go or no-go.
Term Loans & Credit Lines
Line of credit vs term loan vs invoice factoring for contractors
Match the product to the problem: revolving short gaps, term purchases, or selling invoices. Do not treat them as interchangeable.
Term Loans & Credit Lines
Supplier due in 30 days. Draw in 55. Who pays?
When suppliers bill before the GC funds your pay application, you are financing the job. Date the gap before you touch any funding product.
Term Loans & Credit Lines
$54,000 Short by March? Plan winter cash before December
Weather cuts revenue in winter, but crew, insurance and equipment notes keep billing. Build the off-season plan from last winter's real deposits, and line up credit while the…
Term Loans & Credit Lines
A sourced contractor cost line beats the stale funding-mode comparison (small sample)
On eight contractor cost questions, one sourced line that keeps equipment loans, leases and merchant cash advances separate beat the old comparison. Small sample, author-scored.
Term Loans & Credit Lines
First Davis-Bacon job: how big is the weekly payroll gap?
A first prevailing-wage job pays the crew every week and the contractor about once a month. Size that gap, and the certified payroll workload, before bid day.
Term Loans & Credit Lines
Draw late and payroll due? Never borrow the IRS deposit
When a draw slips, the payroll tax deposit looks like spare cash, but it is not. Here is what a skipped deposit costs and what to do if one was already missed.
Term Loans & Credit Lines
How do contractors cover payroll while waiting on draws?
Working capital for contractors starts with the draw lag, retainage, and materials timing. Package the contract situation. MCAFax checks what you could apply for.
Term Loans & Credit Lines
Business Loans for Minorities: Where to Apply in 2026
There is no single federal loan just for minority-owned businesses. Start with a free SBA resource partner, then compare SBA loans, microloans, CDFIs and minority depository…
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Business Loans for Veterans: Where to Apply in 2026
The VA does not make business loans, so veterans borrow through SBA-backed lenders and other regular sources. Start with a free Veterans Business Outreach Center, then compare…
Term Loans & Credit Lines
Business Loans for Women: Where to Apply in 2026
Women business owners can get loans from the same places as anyone else. Start with free help from a Women's Business Center, then compare SBA loans, microloans, CDFIs, credit…
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Merchant Cash Advance vs Business Loan: Which to Take (2026)
An MCA is fast but takes money out daily. A loan is slower but usually cheaper. How to choose in 2026 and compare both offers in dollars.
Term Loans & Credit Lines
Emergency Business Funding: Where to Get Help Fast (2026)
Need emergency money for your business in 2026? Check disaster loans, local emergency grants and your bank first, and avoid the costly traps.
Term Loans & Credit Lines
Revenue-Based Financing vs a Merchant Cash Advance (2026)
Revenue-based financing and MCAs both take a cut of your sales. How they really differ in 2026, and how to compare two offers in dollars.
Term Loans & Credit Lines
CDFI Business Loans (2026): What They Are, How to Find One
What is a CDFI loan? How Treasury-certified community lenders fund small businesses in 2026, who qualifies, and how to find one near you.
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Business Loan Interest Rates: What's a Good Rate? (2026)
What is a good business loan interest rate in 2026? See the SBA 7(a) rate caps, how prime sets them, and how to compare APR and total cost before you sign.
Term Loans & Credit Lines
Best Small Business Funding Options, Compared (2026)
Small business funding options for 2026, compared by type: cost, speed, credit needed and where to apply. Cheapest first. No lender rankings.
Term Loans & Credit Lines
Working capital loans: how to get one
A working capital loan covers day-to-day costs like payroll, inventory and rent while you wait for revenue to come in. In 2026 the cheaper routes are usually a line of credit or…
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Business loan with no collateral
Yes, you can sometimes get a business loan with no collateral in 2026. Unsecured loans and lines of credit do not ask you to pledge a specific asset, but lenders still check…
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How to get a small business loan
To get a small business loan in 2026, decide exactly how much you need and what it is for, check your credit and cash flow, pick the loan type that fits, gather your documents…
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How to Get a Business Line of Credit (2026)
How to get a business line of credit in 2026: what lenders check, documents to gather, how draws and repayment work, SBA revolving lines, what to compare.
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What Documents Do I Need for a Business Loan? (2026)
Business-loan document checklist for 2026: bank statements, tax returns, entity papers, ID, debt schedule, plus SBA Form 1919 and 413 for SBA loans.
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Business Loan Denied? What to Do Next (2026)
Turned down for a business loan in 2026? Ask for the reasons in writing, fix what you can, and compare better options before taking a fast MCA offer.
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How to Get Equipment Financing for a Small Business (2026)
Where small businesses get equipment loans and leases in 2026: your bank, SBA 7(a) and 504, dealers and lessors. Steps, loan vs lease, and scams to avoid.
Term Loans & Credit Lines
Business Line of Credit vs. Merchant Cash Advance (2026)
A line of credit is usually far cheaper; an MCA is faster and easier to get. How each works, what each costs, and how to pick the right one in 2026.
Term Loans & Credit Lines
Is a Merchant Cash Advance a Good Idea? (2026 Answer)
Usually not. An MCA is fast but often the most expensive money a business can take. When it can make sense, what it really costs, and what to try first.
Term Loans & Credit Lines
How to Refinance a Merchant Cash Advance (2026 Guide)
You can't refinance an MCA like a normal loan. You replace it: a payoff letter, a new loan that pays it off, and a UCC release. Here's how in 2026.
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Business Funding Without a Broker (2026): Apply Direct
You don't need a broker. Apply direct to banks, SBA lenders via Lender Match, CDFIs and other programs. Here's how in 2026, and what to watch for.
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How Much Business Funding Can I Get? (2026 Guide)
There's no fixed number: lenders size offers from your revenue, cash flow, time in business, credit and existing debt. Here's how it works in 2026.
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QuickBooks Capital vs Merchant Cash Advance (2026): The Real Cost
QuickBooks Capital charges 9.99%-36% APR. A merchant cash advance quotes a factor rate. Convert one to the other and see which costs more in 2026.
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QuickBooks Capital Alternatives (2026): What to Try If You're Declined
Turned down by QuickBooks Capital or not on QuickBooks? 2026 alternatives by reason: credit under 620, under $50,000 revenue, a bankruptcy and more.
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Merchant Cash Advance Alternatives (2026): Cheaper Options, Cheapest First
In our $50,000 example, a merchant cash advance costs about 126% APR. Here are the cheaper options to check first, how to compare any offer, and what to do if you already have an…
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How to get funding for a startup or brand-new business (2026)
Almost every fast-money offer wants months of deposits. A brand-new business has none, and that's who it targets.
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The fastest business funding, and what speed costs (2026)
Fast money is priced for people who can't wait. Waiting one more week can save you thousands.
Term Loans & Credit Lines
How to get a business loan with bad credit (2026)
Six ways to borrow with a low score, best first, plus what to fix before you apply and the red flags that target bad-credit owners.
Term Loans & Credit Lines
Where can I get funding for my business? (2026)
You can get business funding from grants, an SBA loan, your own bank or credit union, a community lender, or equipment and invoice financing. Bad credit narrows the list but does…
Term Loans & Credit Lines
QuickBooks Capital Review (2026): Term Loans, Lines of Credit and Who Qualifies
QuickBooks Capital review (2026): WebBank term loans of $1,500-$250,000 at 9.99%-36% APR, a credit line up to $100,000, and who qualifies (620 FICO).
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