Business Funding Guides
Every Loanistry guide to business loans, lines of credit, business credit and funding, newest first.
Business Line of Credit Requirements by Lender TypeLoans · November 2026Business line of credit requirements at online lenders, banks and SBA lenders, with published 2026 minimums, three sample businesses and a cost example.Startup Business Loans With No Revenue: What Actually WorksLoans · November 2026Startup loans with no revenue: what is open before your first sale, which lenders require revenue, and a $45,000 example built from Kiva and an SBA microloan.How Much of a Business Loan Can I Get? Lender Formulas ExplainedLoans · November 2026How lenders size a business loan: the cash flow math, revenue and collateral limits, program caps from SBA to OnDeck, and a worked example you can copy.Working Capital Loans: How They Work, Costs and Who QualifiesLoans · November 2026Working capital loans explained: the main types, what they cost with a $50,000 example, published 2026 lender minimums, and how to apply step by step.Online Lenders vs Banks: What Borrowers Actually ReportLoans · November 2026Fed survey data on online lenders vs banks: approval rates, borrower satisfaction, cost surprises and funding speed, plus a six-step plan for choosing.Working Capital Loans vs Lines of Credit ComparedLoans · November 2026Working capital loans vs lines of credit: how each works, published 2026 lender terms, a $60,000 cost example, who gets approved, and how to choose.What Is Mezzanine Financing and Who QualifiesLoans · November 2026Mezzanine financing explained: how it works in the capital stack, 2026 costs, the EBITDA and leverage lenders require, who provides it, and when it beats equityMicroloans Under $50K: Where to Find Them in 2026Loans · November 2026Where to find microloans under $50K in 2026: SBA intermediaries, Kiva, Grameen, DreamSpring and CDFIs, with real costs, the new SBA citizenship rule and steps.What Is a Borrowing Base and How Lenders Use ItLoans · November 2026What a borrowing base is, how lenders calculate it from advance rates, ineligibles and reserves, what goes on a certificate, and how to keep more of your line available.Bridge Loans for Small Business: When They Make SenseLoans · November 2026How bridge loans for small business work, the four main types, 2026 costs with worked examples, when they make sense, and a five-step test of your exit.Venture Debt Explained: A Guide for Startup FoundersLoans · November 2026Venture debt explained for founders: how it works, how much you can raise, real 2026 costs with a worked example, covenants to watch and when it makes sense.What Is Asset-Based Lending and How It WorksLoans · October 2026Asset-based lending explained: how a borrowing base is calculated, what ABL costs in 2026, real lender minimums, ineligible collateral and how ABL compares.What Happens When You Get Denied for a Business LoanLoans · October 2026Denied for a business loan? What the lender must tell you under Regulation B, how to get the real reason, what a denial does to your credit, and when to reapply.Invoice Factoring vs Line of Credit, ExplainedLoans · October 2026Invoice factoring vs a line of credit: how each works, what the same $50,000 invoice costs three ways, who qualifies, and which one builds business credit.Business Funding for Ecommerce Sellers: 2026 GuideLoans · October 2026Compare business funding for ecommerce sellers in 2026, from Shopify Capital and Stripe Capital to revenue-based, inventory and SBA options, and convert fees to APR.How to Read a Business Loan Term Sheet Without a LawyerLoans · October 2026Learn to read a business loan term sheet without a lawyer. Find net proceeds, total repayment and APR, spot red flags, and see what you can negotiate.How Business Owners Research Funding, and What Good Guidance Looks LikeResearch · October 2026How small business owners choose where to apply for funding, why offers are hard to compare, and what Fed survey data says good funding guidance should include.Business Credit Cards That Report to Business Bureaus (2026)Credit cards · October 2026Which business credit cards report to business credit bureaus, based only on what issuers confirm in 2026, plus how to check your file and build a PAYDEX score.White-Label Fintech Build vs Buy: A Decision Framework for LendingResearch · October 2026Build, buy white-label software or partner for embedded lending? Real team cost math, who owns compliance in each model, and a due diligence checklist.How Lending Marketplaces Make MoneyResearch · October 2026How business lending marketplaces make money: lender-paid match fees, funded loan and renewal fees, partner marketing and embedded deals, per public filings.How Rising Interest Rates Affect Small Business LoansLoans · May 2026How interest rates affect small business loans in November 2026: fed funds, prime and SOFR today, SBA 7(a) rate caps, DSCR borrowing limits and ways to save.How to Get an SBA Loan With a 650 Credit ScoreLoans · May 2026SBA sets no minimum credit score, so a 650 is a lender decision. How the 2026 SBSS change and 1.10 DSCR test work, what rates cost, and where to apply.7 Mistakes That Get Business Loan Applications DeniedLoans · April 2026Seven mistakes that get business loan applications denied, from missing documents and a low DSCR to the wrong loan type, and how to fix each before you apply.Documents You Need for a Business Loan ApplicationLoans · April 2026A full checklist of business loan application documents, from ID and tax returns to bank statements and debt schedules, and how needs differ by lender type.What Is DSCR and Why Every Lender Asks for ItLoans · April 2026Learn what DSCR (debt service coverage ratio) is, how to calculate it, what minimums SBA, banks and online lenders expect, and how to raise yours.Embedded Lending Explained: How Software Platforms Offer FundingResearch · April 2026How embedded lending works: who underwrites, funds and services the loan, what the software platform does, how platforms earn, and which state rules apply.Equipment Financing vs Leasing: Which Saves You MoreLoans · April 2026Equipment financing builds ownership and Section 179 savings, while leasing keeps payments low and lets you upgrade. Compare costs, tax rules and lease types.Fast Business Funding: How to Get Funded in 24 to 48 HoursLoans · April 2026How fast business funding really works in 2026: lenders' own stated funding times, cutoffs, requirements and costs for term loans, lines, MCAs and factoring.What the 2026 Fed Small Business Credit Survey FoundResearch · April 2026Key numbers from the Fed's 2026 Report on Employer Firms: approval rates, denial reasons, online lender cost surprises, tariffs, AI use and bank lending now.How to Launch Embedded Lending: A Step-by-Step Plan for Software PlatformsResearch · April 2026A step-by-step plan for adding business lending to a software platform: choosing a model and partner, referral vs broker roles, licensing, TCPA and disclosures.