Compare business funding options
Head-to-head comparisons of the funding products US small business owners actually consider — with real costs, real speed, and real qualification thresholds. Written by people who place these deals every day.
MCA vs business line of credit
Speed and cost trade-off — which one fits which use case, and when the LOC saves you thousands.
SBA loan vs MCA
The cheapest money in small business vs the fastest — and how to know which one you actually qualify for.
MCA vs term loan
Fixed monthly payment vs daily percent of sales — real APRs compared with worked examples.
Business line of credit vs term loan
Revolving vs installment — which one belongs in your capital stack, and which is better for growth.
SBA loan vs business line of credit
Long-term project capital vs short-term flexibility — how underwriting, speed, and cost really differ.
Equipment financing vs term loan
Why using the equipment as collateral usually beats a general-purpose loan for machinery, vehicles, or tech.
Working capital loan vs line of credit
Lump-sum cash for a specific gap vs an on-demand credit facility — which fits your cash cycle.
MCA vs invoice factoring
Borrow against future sales vs sell existing receivables — the honest cost, credit, and control difference.
PayPal Working Capital vs MCA
PayPal Working Capital is an MCA — the real difference is size, sourcing, and whether PayPal can even see your business.
Stripe Capital vs MCA
Stripe Capital is invite-only and Stripe-volume-only. What to do when the offer isn't there — or is too small.
Shopify Capital vs MCA
Great deal if you're pure Shopify and get an offer. Everyone else gets more capital from a full-file MCA.
Square Loans vs MCA
Square Loans caps at $350k against Square sales only. When a traditional MCA offers more — and when it doesn't.
Kabbage alternatives
Kabbage is closed to new customers. The honest map of what actually replaces it — by credit, revenue, and speed need.
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