Education Center

Understand small business funding before you commit

Plain-English guides to merchant cash advances — how they work, what they cost, and when they make sense.

A merchant cash advance isn't a loan — it's the sale of a slice of your future sales. Here's exactly how an MCA works, in plain English.

Factor rate isn't an interest rate, and it isn't APR. Here's what a merchant cash advance really costs — and how to compare offers honestly.

MCA, term loan, line of credit, or SBA loan? An honest, side-by-side look at the cost, speed, and trade-offs of each so you pick the right one.

MCA approval is based on your revenue, not your credit score. Here's exactly what funders look at — and how to strengthen your application.

A merchant cash advance is a great tool for some businesses and the wrong one for others. Here's how to tell which group you're in.

The MCA contract is where merchants get hurt. Ask these 10 questions before you sign — a fair funder will welcome every one of them.