Capital for Business

Buying an insurance agency? Buy the cash flow first.

Most buyers treat the purchase like an asset transfer, but lenders treat it like future revenue. That shift changes what matters in negotiations: retention, carrier mix and a lender-ready integration plan.

Plan your valuation, decide how a seller note fits, and keep a separate working capital line so payroll and integration costs don't squeeze debt service. Read the full guide on Capital for Business to see a sample deal structure and how to apply.

Which part of an acquisition feels most uncertain to you right now?

POS financing isn't just hardware, it's the full commitment.

Before you sign, add hardware, installation, subscription months and card-processing fees into one total. That combined number is what you are really borrowing for.

Equipment financing usually fits when hardware is the biggest line item. Our published rates start at 0.8% per month, and qualifying deals can fund same day up to $250,000.

Read processor and lease contracts for cancellation rules and ownership, and talk to a tax pro about Section 179. Which part of your POS upgrade do you want help costing out?

Think you must own a building to get an SBA loan?

Most common beliefs about SBA collateral are outdated or incomplete. The rules differ by program (7(a), 504, Microloans, disaster loans), and lenders apply SBA floors plus their own policies. Read the slides for quick myth vs reality checks.

Want the full breakdown and a checklist before you apply? Read the full guide at Capital for Business or ask your lender which SBA rulebook governs your file. Which part of collateral rules should we explain next?

A $25,000 draw can cost just $208 a month if you pay interest-only.

Interest-only lines charge interest only on the amount you actually draw, and lenders usually calculate that interest daily and bill it monthly. But fees, minimum principal payments, and changes in Prime can change the real monthly cost.

Read the carousel for the quick math, what to ask lenders, and which terms can cause your payment to jump when the draw period ends. Want us to run this same calculation for your business? Tell us your industry below or visit capitalforbusiness.net to compare offers.

SBA funding: 20 days or six months?

Most SBA loans land in the 30 to 90 day range, but timelines hinge on loan type, delegated authority, and a complete document package. Small Express requests can close in about 20 days; 504 real estate deals can push toward six months.

Before you apply, ask the lender two questions: do you hold delegated authority, and can you give a written timeline for each phase? Order appraisals and third-party reports as soon as the lender confirms them.

Which SBA program are you considering, Express, 7(a), or 504? Tell us below and we’ll point you to the next step.

SBA Express can get you a loan number in about 36 hours, but funding usually takes longer.

Express speeds the SBA step because lenders make the credit decision under delegated authority, yet the 36-hour figure refers to the loan number only. Your lender still must finish underwriting and closing before disbursement.

Check for existing Express or related loans first: the $500,000 limit is an aggregate cap. Ask your lender for their checklist and submit Form 1919, tax returns, current P&L, and a short use-of-funds summary to avoid delays.

Want the checklist we use to keep files moving? Read the full guide on CapitalforBusiness.net or tell us which part of your file stalls most.

Closing costs aren't just fees, they're cash-flow decisions.

Fees fall into different buckets, and that classification changes how they affect your business: some drain cash at signing, others add to your principal and cost you interest over the full term. Reading an estimate line by line reveals which is which.

Capital for Business itemizes closing estimates so owners can plan cash to close and weigh financing those costs. Want a line-by-line estimate for your loan?

Same-day payments aren't always what they seem.

Standard ACH is cheap and predictable, settling in 1–2 business days. Same Day ACH exists, but it depends on bank cutoffs and per-entry limits, so it is not a universal fix for last-minute payroll or invoices.

Fraud on ACH is low by value, but rules matter: keep signed authorizations indefinitely and treat deposits as provisional. Cards run about 2–3% per sale, and wires give same-day finality at a higher price. Read the article to match timing, cost, and risk to your cash flow.

Which payment delay costs you more: payroll or vendor bills? Tell us below.

Onboard sellers in minutes, but at what cost?

PayFac, ISO, and PayFac-as-a-Service trade speed, control, and compliance in clear ways. This carousel summarizes the practical differences you need to budget for: who holds funds, who owns PCI and underwriting, and where reserves live.

If your platform has engineering resources and volume, PayFac gives control. If you rely on a sales-driven model or want lower upfront compliance, ISO usually fits better. PFaaS can be the middle path, but verify bank sponsorship and current PCI attestations before you sign.

Which path makes sense for your platform?

Does 20% ownership put your SBA loan at risk?

SBA aggregates receipts and employees across affiliates when control exists on paper or in practice. Ownership percentages, family ties, and joint-venture patterns are common pitfalls.

Swipe for the three rules to check and the documents to gather before you apply. Need help mapping your ownership? Ask us below.