The Equifyx Funding Guide

Plain-English explainers on every financing topic that matters — no jargon, no sales pitch.

Business Loans 101

How commercial lending actually works — and what lenders look at before saying yes.

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SBA Loans

Government-backed financing: 7(a), 504, and microloans — eligibility, timelines, and trade-offs.

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Equipment Financing

Finance machinery and tech with the asset as collateral. Terms, down payments, and when leasing wins.

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Invoice Factoring

Convert receivables to cash now. How factoring works, what it costs, and who it's best for.

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Merchant Cash Advances

Fast capital against future card sales — the real cost, the risks, and smarter alternatives.

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Business Lines of Credit

Revolving capital explained: draw, repay, repeat. Secured vs. unsecured lines.

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Commercial Real Estate Loans

Financing multifamily, mixed-use, and commercial properties — structures and qualification.

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DSCR Loans

Qualify investment properties on rental income. Ratios, reserves, and state availability.

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Fix-and-Flip Loans

Short-term acquisition + rehab financing. Draws, timelines, and exit strategies.

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0% APR Credit Cards

Interest-free intro periods as a funding strategy: stacking, payoff planning, and pitfalls.

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Building Business Credit

The full sequence from EIN to strong Paydex score — tradelines that actually report.

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Startup Funding Options

What founders can access before revenue: 0% credit, revenue-based, friends-and-family done right.

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Revenue-Based Financing

Repayments that flex with your revenue. How the percentage model works and what it costs.

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Term Loans vs. Lines of Credit

Lump sum or revolving access? A decision framework for choosing the right structure.

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Read the guide, then talk to us

Knowledge is step one. A matched funding plan is step two.

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