Library · 14 guides
Plain-English guides to merchant cash advances, consolidation, debt relief, and working capital for small businesses.
Each guide opens with the short answer, then compares every option side by side — amounts, costs, and what can go wrong.
What a merchant cash advance (MCA) is, how factor rates and daily debits work, how to convert a factor rate to an approximate APR, MCA vs. loan, pros and cons, and the traps to avoid.
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What actually happens after a merchant cash advance default — default fees, UCC lien notices, lawsuits, and bank account freezes — and the steps that protect your business.
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How to restructure a merchant cash advance: reconciliation, a modified payment plan, consolidation, or settlement — how each works, what it costs, and when bankruptcy or legal help comes in.
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The five forms of MCA debt relief — restructuring, consolidation, settlement, litigation defense and bankruptcy — compared by cost, credit damage and who each fits, plus how to spot relief scams.
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How to settle business debt for less than you owe: which debts can be settled, the step-by-step process, what goes in the agreement, the 1099-C tax impact, and when settlement is the wrong move.
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Eight MCA consolidation lenders, funders and brokers compared from their own published terms: amounts, terms, credit and revenue minimums, reverse consolidation, and how old advances get paid off.
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What a reverse consolidation is, how the weekly deposits work, what it really costs, who it fits — and five providers compared from their own published terms.
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What a merchant cash advance broker is, how broker commissions work and who pays them, broker vs. direct funder, red flags, and a checklist for vetting an MCA broker before you sign.
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What a trade reference is, what suppliers and lenders ask it, who to list, a ready-to-copy trade reference template with an example, and how trade references differ from bank references and business credit reports.
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Why roofing companies need working capital: materials and crews paid weeks before insurance or homeowner payments arrive, storm surges, and seasonality — plus the funding options that fit each gap.
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HVAC companies’ working capital needs explained: equipment bought before the season, net-30 to net-60 commercial invoices, and summer and winter peaks — plus the funding options that match each gap.
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The top reasons restaurants need working capital — thin margins, equipment breakdowns, seasonal swings, payroll and opening costs — plus the funding options that fit each one.
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Logistics and trucking companies’ working capital needs: fuel, drivers and maintenance paid now, freight bills paid in 30–60 days — plus factoring, fuel cards, lines of credit and other options compared.
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Construction companies’ working capital needs explained: progress billing, retainage, pay-when-paid clauses, materials and payroll — plus the funding options and bonding factors that matter.
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