Capital — When to borrow, when to wait, what the numbers need to say.

Lines of credit, SBA loans, revenue-based financing, equity. The decision tree for each, what the lender wants to see, and the cost of capital you actually pay once fees clear.

This week's pick: How to Get Approved for a Business Line of Credit

The three-sheet model that moves a lender from no to yes — and the quiet work you do in the 90 days before you apply.

All Capital guides

How to Decide Between an SBA Loan and a Line of Credit (INTERMEDIATE · 8 MIN). The use-case split: one-time vs. ongoing, collateralized vs. unsecured, and the real 5-year cost comparison.
How to Prep Your Books for a Lender Review (INTERMEDIATE · 9 MIN). The 12 months of P&L, the tax return reconciliation, and the two red flags you can fix in 30 days.
How to Apply for Revenue-Based Financing (INTERMEDIATE · 7 MIN). The real cost (usually 25-40% APR equivalent), when it makes sense, and when it quietly kills cashflow.
How to Structure a Friends-and-Family Round (ADVANCED · 10 MIN). The doc stack, the equity vs. debt question, and the conversation that keeps Thanksgiving intact.
How to Use a Business Credit Card as Working Capital (BEGINNER · 5 MIN). The 0% intro window, the utilization rule that protects your personal score, and the exit plan.
How to Pitch a Local Bank (Not a Chain) (INTERMEDIATE · 8 MIN). Why community banks approve faster, what relationship banking actually requires, and the two pages that matter.
How to Calculate the True Cost of Capital (INTERMEDIATE · 6 MIN). APR vs. APY vs. factor rate — the conversion table, and why most lender quotes understate the real number.
How to Get Approved for Your First SBA Loan (ADVANCED · 11 MIN). The 7(a) vs. microloan question, the documentation stack, and the common disqualifiers.

Related subcategories

Systems — 118 guides
Operations — 156 guides
Compliance — 121 guides