Small Business Funding

Merchant Cash Advance: How It Works and When to Avoid It

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Merchant Cash Advance: How It Works and When to Avoid It

When sales are slow but expenses don’t stop, a merchant cash advance (MCA) can seem like a lifeline: fast funding, minimal paperwork, and approval even if your credit is less than perfect. But that speed comes with a price—often a very high one. Here’s what every small business owner needs to know before ever signing … Read more

Microloans Explained: Small Funding Amounts That Still Count as Bootstrapping

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Microloans Explained: Small Funding Amounts That Still Count as Bootstrapping

Starting your business with your own savings is powerful—but sometimes, a little extra help moves the needle farthest. Microloans are a smart option for founders who are bootstrapping but need a targeted boost for a specific purpose, while still maintaining ownership and independence. What is a Microloan? Microloans are small loans, usually under $50,000, designed … Read more

Invoice Financing vs. Invoice Factoring: What’s the Difference?

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Invoice Financing vs. Invoice Factoring: What's the Difference?

If late-paying customers are holding up your cash flow, both invoice financing and factoring can unlock funds tied up in unpaid invoices—often within days. The key is understanding how the two models work and what each means for your relationship with your clients, costs, and cash management. Invoice Financing: Keep Control, Stay Confidential With invoice … Read more

Understanding mortgage principal: Strategies for small business owners

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Understanding mortgage principal: Strategies for small business owners

Key Takeaways Understanding the components of your debt is essential for maintaining a healthy business. These points summarize how to navigate your financial obligations effectively: Mortgage principal is the original amount borrowed, excluding interest. Proactive repayment significantly reduces long-term interest expenses. Building equity helps stabilize your business balance sheet over time. Avoiding variable-rate traps protects … Read more

How to calculate operational runway for a pre revenue startup: a practical guide

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How to calculate operational runway for a pre revenue startup: a practical guide

Key Takeaways Managing your startup liquidity ensures you survive until the next milestone. Focusing on core metrics helps founders secure longevity and make smarter resource decisions. Define your precise monthly burn rate by separating essential costs from discretionary spending. Track both fixed and variable expenses to maintain an accurate cash flow picture. Use a standard … Read more