The Funding Library
Straight answers about business funding — what it costs, how to qualify, and how to read an offer before you sign. Written by the people who fund Main Street every day.
Funding 101
Merchant Cash Advances, Explained: The Complete Guide
What a merchant cash advance actually is, how holdback repayment and factor rates work with real math, who qualifies, when an MCA is the right tool — and when it isn't.
Costs & Pricing
Factor Rates vs. APR: What Business Funding Really Costs
Factor rates and APR measure cost in fundamentally different ways. Learn the conversion math, why term length changes everything, which fees to watch, and how to compare any two funding offers fairly.
Compare
MCA vs. Bank Loan vs. SBA vs. Business Credit Card: Which Fits?
A fair head-to-head of the four main ways small businesses borrow — speed, cost, amounts, credit requirements, and paperwork — with a comparison table and honest guidance on which tool fits which job.
Qualify & Apply
How to Get Business Funding With Bad Credit
Bad credit closes the bank's door, not every door. What revenue-based underwriters actually look at, what you can qualify for at each credit tier, and a 90-day plan to strengthen your file.
Costs & Pricing
How to Read a Business Funding Offer Before You Sign
A line-by-line walkthrough of a business funding offer sheet: factor rates, holdback, fees, and total dollar cost — plus the red flags that should make you walk away.
Qualify & Apply
What Underwriters Actually Look For in Your Bank Statements
Revenue-based underwriters read your last three bank statements like a story. Here is exactly what they check — balances, deposits, NSF days, existing advances — and how to clean up your file before applying.
Funding 101
The Seasonal Business Cash-Flow Playbook
Landscapers, resorts, retailers, and contractors earn in months and spend in twelve. A practical playbook for mapping your revenue curve, budgeting the off-season, and borrowing before peak season — not mid-crisis.
Compare
Equipment Financing vs. Leasing: Which Is Right for Your Business?
Financing builds ownership; leasing buys flexibility. A plain-language comparison of equipment financing and leasing — structures, worked cost math, tax basics, and a decision framework by equipment lifespan.
Do the math yourself
Funding calculators
No email required, no sales call triggered. Run your own numbers first — then talk to us when you're ready.
MCA cost calculator
Enter an advance amount and factor rate and see your exact total repayment and estimated remittance — in dollars, not jargon.
Open the calculator →Advance estimator
Slide to your average monthly revenue for a ballpark of how much funding your business could qualify for today.
Estimate my advance →Funding comparison
Broadway Advance vs. banks vs. SBA vs. credit cards — speed, cost, paperwork, and who each one is actually right for.
See the comparison →