ONE APPLICATION · 50 LENDERS
PRODUCTS · 8 categories
REAL OFFERS · in 24hr
FUNDED · in 48hr
EQ FUNDING · BLOG

How businesses
actually get funded.

Practical guides to business loans, SBA financing, lines of credit, and equipment financing — how qualification actually works, what each option costs, and how to get funded faster.

Getting Funded
Business Loans for Bad Credit: What Actually Gets Approved in 2026
Business loans for bad credit explained — which products underwrite on cash flow and assets, not just your score, plus rates and ways to boost approval odds.
7 min readRead →
One Bank vs. a Whole Network: Why a Funding Marketplace Gets You Funded
Applying to one bank is a single shot at yes or no. A funding marketplace flips it — one application, lenders compete, side-by-side offers. Here's how it works.
7 min readRead →
How to Get a Business Loan in 2026: A Step-by-Step Guide
How to get a business loan — what lenders check, which loan type fits your need, the documents you'll need, and how to apply once instead of a dozen times.
6 min readRead →
Types of Business Loans: The Complete Comparison (and How to Choose)
Every major business loan type compared — term loans, lines of credit, SBA, revenue-based, equipment, factoring, and more — on cost, speed, credit, and best use.
7 min readRead →
What Is Working Capital — and the Fastest Ways to Get It
What working capital is — the formula, a worked example, the cash-flow cycle behind it, and the fastest funding when you need it: a line of credit, RBF, or factoring.
7 min readRead →
Why Your Bank Declined Your Loan (and What to Do Next)
A bank 'no' isn't the end. The real reasons banks decline small-business loans, the quick fix for each, and the products that approve where banks won't.
7 min readRead →
Loan Types
Commercial Real Estate Financing: SBA 504, Bridge & Beyond
How to finance commercial property — owner-occupied CRE term loans, the low-rate SBA 504, bridge and hard-money loans, and how to compare them on rate and LTV.
7 min readRead →
Equipment Financing: How to Fund Equipment Without Draining Cash
How equipment financing works — why the asset is the collateral, financing vs. leasing, the Section 179 tax angle, and which industries it fits best.
8 min readRead →
Invoice Factoring: How to Turn Unpaid Invoices into Same-Day Cash
How invoice factoring works — the advance, fee, and rebate explained, factoring vs. invoice financing, recourse vs. non-recourse, and why your customer's credit matters.
7 min readRead →
Business Line of Credit vs. Term Loan: Which Is Right for You?
Line of credit vs. term loan — how each works, how they differ on structure, interest, and flexibility, when each one wins, and whether you should have both.
6 min readRead →
Merchant Cash Advance vs. Revenue-Based Financing vs. a Loan
Merchant cash advance vs. revenue-based financing vs. a term loan — factor rate vs. APR with a worked example, a comparison table, and how to avoid daily-debit traps.
7 min readRead →
SBA Loans Explained: 7(a) vs. 504, Requirements & How to Apply
How SBA loans work — the government guarantee, 7(a) vs. 504, what you need to qualify, the documents required, and how to find an approved SBA lender.
8 min readRead →
Costs & Comparisons
Business Loan Interest Rates in 2026: What's a Good Rate?
Business loan interest rates in 2026 — realistic APR ranges by product, the APR-vs-factor-rate distinction, what drives your rate, and how to lock in a lower one.
7 min readRead →
Business Loan vs. Business Credit Card: When to Use Each
Business loan vs. business credit card — how they differ in cost, amount, and repayment, plus which to use for small purchases, large needs, rewards, and building credit.
7 min readRead →
How Much Can My Business Borrow? Loan Amounts Explained
How much can I borrow with a business loan? A clear guide to loan amount ranges by product, the rule of thumb tied to revenue, and what raises your ceiling.
6 min readRead →
SBA Loan vs. Bank Loan vs. Online Lender: Which Should You Choose?
SBA loan vs bank loan vs online lender, compared on rate, speed, qualification, and term — plus when each wins and how to compare all three at once.
6 min readRead →
Secured vs. Unsecured Business Loans: Which Is Right for You?
Secured vs unsecured business loans explained — collateral types, the rate-versus-risk trade-off, the personal guarantee, and which products fall into each.
7 min readRead →
Unsecured Business Loans: How They Work & Who Qualifies
Unsecured business loans explained: what no collateral really means, which products qualify, the trade-offs vs secured loans, and who they fit best.
6 min readRead →
By Use Case
Business Acquisition Loans: How to Finance Buying a Business
How to finance buying a business — SBA 7(a) acquisition loans, down payments, seller financing, what lenders check, and realistic timelines.
7 min readRead →
Financing a Business Expansion: New Locations, Build-Outs & Hiring
How to finance a business expansion — a new location, build-out, or hiring push. Match a term loan, SBA loan, or line of credit to your growth move.
7 min readRead →
Business Debt Consolidation & Refinancing: Escape High-Cost Debt
Stacked merchant cash advances draining your cash? See how business debt consolidation rolls high-cost debt into one lower, longer payment — and how to qualify.
6 min readRead →
Inventory Financing: How to Fund Stock Without Tying Up Cash
How inventory financing works, and how to fund stock without draining your cash. Compare inventory loans, lines of credit, and purchase-order financing for your business.
7 min readRead →
Partner Buyout Financing: How to Buy Out a Business Partner
How to finance a partner buyout — why these deals are fundable, why SBA 7(a) is the go-to, the valuation step, deal structure, and timeline to close.
8 min readRead →
Payroll Financing: How to Cover Payroll When Cash Is Tight
How to make payroll when cash is tight — compare a line of credit, revenue-based financing, and invoice factoring, and fund in as little as a day.
7 min readRead →
By Industry
Auto Repair Shop Loans: Equipment, Working Capital & Expansion
Auto repair shop loans for equipment, working capital, and shop expansion — which loan fits each need, and why the trade is surprisingly credit-flexible.
7 min readRead →
Construction Business Loans: Equipment, Working Capital & Cash Flow
Construction business loans explained — financing heavy equipment, bridging retainage and progress-billing gaps, and covering payroll between draws.
7 min readRead →
Manufacturing Financing: Machinery, Working Capital & Purchase Orders
How manufacturers fund machinery, raw materials, payroll, and big purchase orders — with equipment financing, factoring, lines of credit, and SBA loans.
8 min readRead →
Medical & Dental Practice Financing: Acquisition, Equipment & Expansion
Medical and dental practice financing for acquisition, equipment, real estate, and expansion — which loan fits each need and the terms pros can expect.
7 min readRead →
Restaurant Financing: How to Fund a Restaurant or Food Business
Restaurant financing explained — how to fund kitchen equipment, a build-out, slow-season working capital, a new location, or an acquisition.
6 min readRead →
Retail & E-commerce Funding: Inventory, Cash Flow & Growth Capital
Retail and e-commerce business funding for inventory, cash flow, and growth — the cash-conversion gap and exactly which products fit online sellers best.
7 min readRead →
Trucking & Fleet Financing: Loans for Owner-Operators and Carriers
Trucking and fleet financing made simple — freight factoring for slow-paying brokers, equipment financing for trucks and trailers, and working capital for fuel.
6 min readRead →
By Situation
Franchise Financing: How to Fund a Franchise (SBA, Startup & Beyond)
What opening a franchise really costs — franchise fee, build-out, equipment, and working capital — and which funding covers each, from SBA 7(a) to startup capital.
7 min readRead →
Small Business Loans for Women & Veteran-Owned Businesses
Funding a women-owned or veteran-owned business — the myth of a separate 'women's rate,' the real SBA programs, grants vs. debt, and which products actually fit.
7 min readRead →
Startup Capital: How New Businesses Get Funded (Even Pre-Revenue)
How new and pre-revenue businesses get funded — debt vs. equity, what underwriters look at before you have revenue, and realistic products and amounts by stage.
7 min readRead →
Credit & Strategy
How to Build Business Credit: A Step-by-Step Playbook
A practical playbook for building business credit from scratch — separating it from personal credit, the setup steps, the bureaus that matter, and why it pays off.
7 min readRead →