Ben Misseri

Seasonal businesses generally need two different funding strategies rather than one: a cash flow cushion or line of credit set up ahead of the slow

Stacking business loans means taking on a new advance or loan while one or more existing ones are still being repaid, often to cover payments

A business line of credit lets you draw funds only when a cash flow gap actually appears — covering payroll during a slow week, bridging

The most common myths about Merchant Cash Advances are that they’re the same as a traditional loan, that they always trap businesses in debt, and

A personal guarantee is a written promise that a business owner will personally repay a loan or advance if the business itself can’t, putting personal

Bad personal credit doesn’t automatically disqualify a business from funding. Revenue-based products like a Merchant Cash Advance, along with equipment financing, are generally more accessible

Equipment financing typically covers 80% to 100% of the equipment’s purchase price, and sometimes slightly more to include delivery, installation, or setup costs. The equipment

There’s no universal minimum, but many non-bank funding providers — particularly Merchant Cash Advance and other revenue-based products — will work with personal credit scores

In most cases, no. Many alternative business funding products — including Merchant Cash Advances and other revenue-based financing — rely on bank statements and processing

Most business funding applications require recent business bank statements, a government-issued ID, and basic business information such as your EIN and formation documents. Beyond that,