Financing guides
Every trade and every state has its own cash flow problem and its own rules. These guides describe the one you have, the instruments that solve it, and what they cost.
By industry
Trucking
Financing a Trucking Company: Trucks, Fuel, Factoring and the Gap Between Them
How trucking companies and owner operators finance trucks, trailers, fuel and slow paying brokers: equipment loans, factoring, lines of credit and advances, with the numbers carriers actually see.
Read the guideRestaurants
Restaurant Financing: Kitchens, Seasons, Second Locations and the Cost of Getting It Wrong
How restaurant owners finance equipment, renovations, slow seasons and second locations: what lenders look for in a restaurant file, what the money costs, and which structure fits each need.
Read the guideConstruction
Construction and Contractor Financing: Mobilization, Retainage, Equipment and the Ninety Day Wait
How general contractors and subcontractors finance mobilization, payroll, equipment and the long wait for pay applications: lines of credit, factoring, equipment loans and the structures that fit each job.
Read the guideBy state
New York
Business Financing in New York: What the Disclosure Law Gives You, and What the Market Looks Like
How New York businesses borrow in 2026: the Commercial Finance Disclosure Law and the APR it forces into every offer, the confession of judgment ban, and which structures suit a New York company.
Read the guideTexas
Business Financing in Texas: A New Law, a Huge Market, and the Trades That Drive It
How Texas businesses borrow in 2026: the new Texas sales-based financing law, what it requires funders and brokers to disclose, and which structures fit trucking, construction, oilfield services and restaurants in Texas.
Read the guideFlorida
Business Financing in Florida: Seasons, Storms and a Disclosure Law of Its Own
How Florida businesses borrow in 2026: the Florida Commercial Financing Disclosure Law, what it requires, how hurricane season and tourist season shape a Florida file, and which structures fit.
Read the guideCalifornia
Business Financing in California: The Strictest Disclosure Rules and the Deepest Market
How California businesses borrow in 2026: the California Commercial Financing Disclosures Law and the APR it requires, how licensing shapes who can lend here, and which structures fit California trades.
Read the guideBefore you sign
A tool worth a minute
Offers for advances quote a factor rate, which hides the real cost. Our calculator turns any offer into total repayment, the daily or weekly debit and the equivalent annual rate, so it can be compared with a loan.
Open the factor rate calculator