Learn it before you borrow it.
The whole reference desk — real rate ranges, a calculator that shows its math, plain-language guides, and customer stories with the numbers attached. No email gate. No login.
Start here
The two we’d open first.
Real rates · publishedThe Rate Library.Every product's true range — APR or factor — with the amount band, term, and what we earn. Re-published every Monday. No number is hidden behind a form.Open the libraryNo email · no credit pullPayment calculator.Pick a product, an amount, and a term — see the payment and the formula it came from. Switch the product and watch the structure change with it.Run the numbers
Guides
Plain-language guides.
The questions owners actually ask, answered without jargon — and reconciled to the same numbers we publish.
Guide · 12 min readSBA 7(a): the complete playbook.The lowest-cost capital most businesses can get — and the most paperwork. Here is who qualifies, what the rate really is, and the timeline from application to funded.Read the guideGuide · 7 min readWhen a merchant cash advance fits.A merchant cash advance is the fastest capital available and the easiest to qualify for. Here’s exactly when it’s the right tool — and how to read its cost with clear eyes.Read the guideGuide · 5 min readHow to read a factor rate.1.28 is not 28% APR. Here’s the conversion, why the gap matters, and how to compare a factor-priced product against an APR loan without fooling yourself.Read the guideGuide · ChecklistThe documents you’ll actually need.No surprise requests halfway through. Here’s the exact checklist — the always-needed basics, the three numbers every lender asks for, and the product-specific add-ons.Read the guide
Customer stories
Real deals, real numbers.
No anonymous five-stars. Each story names the situation, the structure, and the cost — the same transparency we bring to the offer table.
IndustryHVAC & mechanicalLocationAustin, TX
An HVAC shop bridges a $400K gap.A seasonal cash crunch, an 11-day close, and a broker fee shown up front. Here’s the full breakdown — numbers and all.Read the storyIndustryRestaurants · 4 locationsLocationPhoenix, AZ
A restaurant group refinances three advances.Four locations, three stacked advances, one consolidation that freed roughly $1,900 a month. The before-and-after, with the math.Read the storyDone reading?
You’ve done the homework. Now see your number.
Four minutes, seven questions, one soft pull. We shop dozens of lenders and bring back side-by-side offers — every fee disclosed, our cut shown.