Financing
8 posts in Financing.
Eight ways to fund a business, each quoted in its own unit and each converted here to an annual cost. The cheapest money is almost always the slowest to arrange, which is the trade every one of these guides is really about. The financing section opens with the numbers that govern it.
- Financing
Asset-based lending rates: what an ABL line costs
Asset-based lending prices at prime plus 1% to 5%, plus fees an APR quote hides. How the borrowing base works, the all-in cost, and when an ABL line fits.
- Financing
Business acquisition loan rates in 2026
Buying a business usually runs on an SBA 7(a) loan at prime plus up to 3%. How the capital stack works, the 10% equity rule, and what each source of money costs.
- Financing
Equipment financing: lease vs loan, real cost
The vendor sells the low monthly lease payment. Compare the total cost to own equipment with a loan or a lease, and let your hold period break the tie.
- Financing
Invoice factoring cost: the fee is not the rate
Invoice factoring runs 1% to 5% per invoice, but that fee is not an interest rate. Convert it to an APR and a typical deal lands near 24%. Here is the real math.
- Financing
Merchant cash advance APR: what 1.4 really costs
A merchant cash advance quotes a factor rate, not an APR. A 1.4 factor over six months is about a 142% annual rate. Here is the math, and the way out.
- Financing
Revenue-based financing: how it works and costs
Revenue-based financing repays a share of monthly sales up to a capped multiple. Gentler than a cash advance, but the effective APR still lands at 20% to 60%.
- Financing
SBA 504 loan rates and how the structure works
The SBA 504 funds owner-occupied real estate with a 50/40/10 split and a long fixed below-market rate. How it is built, what you put down, and 504 versus 7(a).
- Financing
SBA 7(a) interest rates: the 2026 legal ceiling
SBA caps how far over prime a 7(a) lender can charge. In 2026 the maximum runs from 9.75% on large loans to 13.25% on small ones. Here is the full table.