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Financing
Browse 22 in-depth Financing guides from Small Biz Finance Guide. Our editorial team researches and writes each one to give you clear, practical answers, current as of July 2026. The newest are shown first.
27% of Businesses Use Both: Line of Credit vs Credit Card
Roughly 43% of small business owners who applied for financing in the past two years were turned down for the …
Funding Your Startup: Grants You Can Actually Win
Most startup founders I talk to have the same misconception about grants: that they’re basically free …
Commercial Mortgages: Your Complete Financing Guide
Most business owners I talk to assume a commercial mortgage works roughly like a residential one. Same basic …
How to Use a HELOC to Fund Your Business Growth
Most small business owners I talk to have never seriously considered the equity in their home as a funding …
How Purchase Order Financing Unlocks Cash Flow
Most business owners discover purchase order financing at the worst possible time: they’ve just landed …
Current Business Lending Rates: Prime, Fed Funds, and Treasury
Every business loan, line of credit, and card you carry is priced off one of the benchmarks below. The table …
The Hidden Costs of Merchant Cash Advances
If you’re reading this, there’s a decent chance someone already pitched you a merchant cash …
Equipment Financing for Small Business: Complete Guide
A restaurant owner I worked with a few years back almost signed a $94,000 equipment lease for commercial …
How To Qualify For A Business Acquisition Loan
Most people who want to buy a business think the hard part is finding the right one. I thought that too, until …
Which SBA Loan Fits Your Business Best
Most business owners walk into an SBA loan conversation knowing two things: the loans exist, and they’re …
Compare Small Business Loan Rates and Save
You just got off a call with your bank. They quoted you an interest rate of 9.5% on a business term loan. Then …
How CDFI Lenders Help Small Businesses Grow
You’re sitting across from a loan officer at your local bank, and you’ve just heard the word …
SBA Microloans: Quick Funding for Startups Under $50K
You’ve got a business idea, a solid plan, and maybe $8,000 in the bank. The bank says no. The credit …
How SBA 504 Loans Help Small Businesses Buy Property
Most small business owners think you buy commercial property after you’ve already made it. Save up a fat …
Funding Your Small Business Without a Bank Loan
$25,000. No loan. No debt. No equity traded away. That’s what your competitor down the street just got, …
Getting Your First Small Business Loan Approved
You walk into a bank, ask about a small business loan, and leave two hours later with a stack of paperwork, no …
How Invoice Factoring Helps Small Businesses Get Cash Fast
You sent the invoice on March 3rd. It’s now April 18th. Your client, a legitimate company (not a …
What SBA Lenders Actually Look For In Your Application
You fill out the pre-qualification form, wait two weeks, and get back a vague email: “don’t quite …
Get Your First Business Loan With Zero Revenue
Most people assume you need revenue to get a business loan. I used to tell clients the same thing. Then I …
USDA Loans For Rural Startups: Your Complete Guide
If you’re running a business in a small town or rural community, you’ve probably hit a wall that …
How To Access A Business Line Of Credit
You’re sitting on a $40,000 contract, you have the talent to deliver it, and you’re stalling …
How SBA 7a Loans Work For Small Business
You walk into a bank asking about a small business loan. The banker smiles, nods, and eventually mentions …