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Short-term loans are a relatively recent addition to a merchant’s arsenal of business loan options. Introduced in the last decade or so, short-term loans are similar to traditional installment loans, but calculate fees slightly differently and are generally used for different purposes. These loans are useful for a lot of merchants, but also have some […]

Whether due to sacrifices made while starting a business or other reasons, many business owners have poor credit. If you’re in that boat, you might think it’s impossible to get affordable financing for your business. Fortunately, that’s not always the case. Many lenders are beginning to look at other business factors to judge the creditworthiness […]

Having good credit is a very important factor to getting a business loan. The higher your credit, the more loans you’ll have access to, and the better rates you’ll be offered. Frustrating as it may be, applying for a business loan (or other sources of funding) can have a negative effect on your credit. Knowing […]

When searching for a business loan, you might come across loans that do not have interest. Don’t get your hopes up—you still have to pay fees. The difference is, the fee is calculated using a factor rate, not an interest rate. Factor rates are often used on short-term financial products, such as short-term loans and […]

For PayPal sellers, PayPal Working Capital (PPWC) is hands-down the easiest way to borrow working capital for your business. Barring rejection, borrowers can complete the whole application process and receive their funds in a few minutes. But is an offer from PayPal Working Capital a good deal? And is it the best offer for your […]

If you’re a Square seller, there’s a good chance you’ve gotten an offer for a Square Capital loan. There’s no denying that these loans are a fast and easy way to get extra working capital for your business, but are they too good to be true? Read on to learn everything you need to know […]

If you’re looking for a business loan, chances are you’ve come across the name OnDeck (see our review). Founded back in 2007, OnDeck was one of the first companies to offer fast, easy-to-access business loans. Although the company has more competition today, OnDeck is still one of the most well-known lenders available because it’s fast, easy […]

Kabbage is an online lender known for its extremely quick application process and convenient line of credit style loans. The lender’s always-accessible online interface and a low barrier to entry mean that Kabbage is often a favorite for businesses that are not interested in (or not qualified for) more traditional business funding. Plus, Kabbage’s line of credit-style loans grant borrowers […]

If your business needs money, but doesn’t qualify for a traditional loan due to poor credit scores or a short business history, you aren’t out of options quite yet: a merchant cash advance (MCA) provider might be willing to advance you money—and fast. Unfortunately, many financial professionals warn against using this type of financing; the […]