Every funding option, explained for real owners
A free, 10-chapter playbook covering every way to fund a small business — from SBA loans to merchant cash advances. Real numbers, no sales pitch. Read in order, or jump to what matters most.
Chapter 1: Business Financing 101 — Every Funding Option, Explained
Confused by your funding choices? Here's every major small-business financing option in plain English — what each costs, how fast it funds, and who it fits.
Chapter 2: Merchant Cash Advances — How They Really Work and What They Cost
You need cash this week. Here's how a merchant cash advance actually works, what it truly costs, and the contract red flags to catch before you sign.
Chapter 3: SBA Loans — The Cheapest Money, If You Can Qualify
SBA loans offer the lowest rates and longest terms in small-business lending. Here's how the 7(a), 504, and microloan programs work, current 2026 rates, and exactly what it takes to qualify.
Chapter 4: Business Lines of Credit — Flexible Cash When You Need It
A business line of credit lets you borrow, repay, and borrow again — paying interest only on what you use. Here's how it works, what it costs, and how to qualify.
Chapter 5: Invoice Factoring — Turn Unpaid Invoices Into Cash Now
Tired of waiting 60 days to get paid? Invoice factoring turns unpaid B2B invoices into cash in days. Here's how it works, what it costs, and the fine print.
Chapter 6: Equipment Financing — Lease vs. Buy, Loan Types & Tax Breaks
Need a truck, oven, or machine but don't want to drain your cash? Here's how equipment financing works, when to lease vs. buy, and the tax breaks involved.
Chapter 7: Alternative & Online Lending — Fintech, Revenue-Based Financing & When to Use Each
Banks turned you down or you need cash this week? Here's how online and alternative lenders work, what they really cost, and when they're worth it.
Chapter 8: Startup Funding — From Bootstrapping to Venture Capital
No revenue, no collateral, no track record — but you need money to build. Here's every realistic way to fund a startup and which one fits your stage.
Chapter 9: How to Improve Your Approval Odds — Credit, Documents & Timing
Getting approved isn't luck. Here's exactly what lenders look for and the concrete steps that put your business in the strongest position to get a yes.
Chapter 10: Building Your Funding Strategy — Capital Planning & Avoiding Predatory Lenders
Stop funding your business in emergencies. Here's how to plan capital 12 months ahead, stack sources wisely, and spot predatory lenders before they trap you.