# Business funding guides

URL: https://cheapcheapwebsites.com/business-funding/
Funding offered by Merchant Fund Express (https://merchantfundexpress.com/). Cheap Cheap Websites builds websites from $399.

- Working capital loans: https://cheapcheapwebsites.com/business-funding/working-capital-loans/ (What a working capital loan is, who it suits, how fixed repayment works, a worked cost example, and the documents to gather before you apply.)
- Business line of credit: https://cheapcheapwebsites.com/business-funding/business-line-of-credit/ (How a business line of credit works, what a draw really costs, who tends to qualify, and a worked example with fees, payments and total repayment.)
- Equipment financing: https://cheapcheapwebsites.com/business-funding/equipment-financing/ (How equipment financing works, why the equipment secures the deal, how terms match equipment life, what quotes you need, and new versus used gear.)
- Invoice factoring: https://cheapcheapwebsites.com/business-funding/invoice-factoring/ (How invoice factoring advances cash on unpaid business invoices, how the reserve and fee work, who it fits, and a worked example with real numbers.)
- Merchant cash advance: https://cheapcheapwebsites.com/business-funding/merchant-cash-advance/ (How a merchant cash advance works as a purchase of future receivables, how factor rates and remittances add up, and when it fits your business or not.)
- Revenue-based financing: https://cheapcheapwebsites.com/business-funding/revenue-based-financing/ (How revenue-based financing is sized on your deposits, how payments flex with sales, how it compares with a bank loan, plus an example with full math.)
- MCA refinance: https://cheapcheapwebsites.com/business-funding/mca-refinance/ (How refinancing an existing merchant cash advance works, how net proceeds are calculated after the payoff, and when a refinance truly helps your cash flow.)
- MCA consolidation: https://cheapcheapwebsites.com/business-funding/mca-consolidation/ (How MCA consolidation combines several advances into one payment, how payoff letters work, and the honest tradeoff between payment relief and total cost.)
- MCA stacking explained: https://cheapcheapwebsites.com/business-funding/mca-stacking/ (What MCA stacking means, how second and third positions add up against your deposits, how funders view them, and safer alternatives to consider first.)
- How much can my business borrow: https://cheapcheapwebsites.com/business-funding/how-much-can-i-borrow/ (How funders size business funding from your monthly deposits, existing payments and product type, with illustrative ranges and a method for asking well.)
- Business funding with bad credit: https://cheapcheapwebsites.com/business-funding/bad-credit-business-loans/ (How revenue-based review weighs bank deposits more than credit score, why scores from 500 are considered, what still matters, and what lower credit costs.)
- Same-day business funding: https://cheapcheapwebsites.com/business-funding/same-day-business-funding/ (How same-day business funding decisions happen, what a complete file looks like, and a realistic timeline from application to the deposit.)
- Merchant cash advance with bad credit: https://cheapcheapwebsites.com/business-funding/merchant-cash-advance-bad-credit/ (How a merchant cash advance review leans on card and bank deposits when credit is low, what it costs, and the alternatives worth checking first.)
- "No credit check" business funding: what it really means: https://cheapcheapwebsites.com/business-funding/no-credit-check-business-loans/ (What no credit check business funding really means, soft pulls versus hard pulls, why some review still happens, and red flags with true no-check offers.)
- Revenue-based financing with bad credit: https://cheapcheapwebsites.com/business-funding/bad-credit-revenue-based-financing/ (How revenue-based financing works for lower credit scores, what your bank deposits need to show, and a worked example with real repayment numbers.)
- Fast revenue-based financing: https://cheapcheapwebsites.com/business-funding/fast-revenue-based-financing/ (What makes revenue-based financing fast, the common things that slow a file down, and how to prepare clean bank statements before you apply.)
- Large revenue-based financing: https://cheapcheapwebsites.com/business-funding/large-revenue-based-financing/ (How larger revenue-based financing amounts are sized from deposits, why requests above $250K need financials, and how multi-account businesses are reviewed.)
- Revenue-based financing without collateral: https://cheapcheapwebsites.com/business-funding/no-collateral-revenue-based-financing/ (How unsecured revenue-based financing works without collateral, what a personal guaranty usually means, and what replaces collateral in the review.)
- Low-document revenue-based financing: https://cheapcheapwebsites.com/business-funding/no-doc-revenue-based-financing/ (What no doc revenue-based financing really means: bank statements instead of tax returns, and the short list of documents that are still required.)
- Revenue-based financing vs merchant cash advance: https://cheapcheapwebsites.com/business-funding/revenue-based-financing-vs-mca/ (A plain comparison of revenue-based financing and merchant cash advances: mechanics, cost, payment behavior in slow months, and which fits when.)
- Same-day revenue-based financing: https://cheapcheapwebsites.com/business-funding/same-day-revenue-based-financing/ (A realistic same-day revenue-based financing timeline, why cut-off times matter, and exactly what a complete same-day file contains before you apply.)
- Seasonal revenue-based financing: https://cheapcheapwebsites.com/business-funding/seasonal-revenue-based-financing/ (How seasonal businesses use revenue-based financing to fund ahead of a peak, why sizing uses off-season deposits, and how payments behave in slow months.)
- Funding a second location: https://cheapcheapwebsites.com/business-funding/second-location-revenue-based-financing/ (How owners fund a second location: build-out budget, ramp-up runway, and why the first location's deposits carry the payment until the new one pays.)
- Revenue-based financing for young businesses: https://cheapcheapwebsites.com/business-funding/startup-revenue-based-financing/ (Why revenue-based financing needs some deposit history, how many months open is common, and what pre-revenue owners can do instead while they build.)
- Credit score for a business line of credit: https://cheapcheapwebsites.com/business-funding/credit-score-for-a-business-line-of-credit/ (What credit score a business line of credit usually needs, how it compares with advances, and how your score changes the price you pay on each draw.)
- How much revenue you need for business funding: https://cheapcheapwebsites.com/business-funding/revenue-required-for-business-funding/ (Monthly revenue guidelines for advances, working capital loans and lines of credit, plus what deposits count as revenue and which ones funders remove.)
- How long you need to be in business to get funding: https://cheapcheapwebsites.com/business-funding/how-long-in-business-to-get-funding/ (Time-in-business guidelines for each funding product and what usually changes for owners at 3 months, 6 months, 1 year and 3 years in business.)
- How many MCA positions can you have: https://cheapcheapwebsites.com/business-funding/how-many-mca-positions-can-i-have/ (What MCA positions are, why each extra position shrinks new offers, and when refinancing several advances into one payment makes more sense.)
- Do NSFs disqualify you from business funding: https://cheapcheapwebsites.com/business-funding/do-nsfs-disqualify-business-funding/ (How NSFs and negative balance days affect funding reviews, how many is usually too many, and how to clean up bank statements before you apply.)
- Minimum average bank balance for business funding: https://cheapcheapwebsites.com/business-funding/minimum-average-bank-balance-for-a-business-loan/ (What average daily balance means in a funding review, why funders look at it next to revenue, and practical ways to raise it before you apply.)
- Working capital loan vs line of credit: https://cheapcheapwebsites.com/business-funding/working-capital-vs-line-of-credit/ (Working capital loan vs business line of credit: lump sum vs revolving access, how cost works on each, typical uses and a side-by-side comparison.)
- MCA vs working capital loan: https://cheapcheapwebsites.com/business-funding/mca-vs-working-capital-loan/ (Merchant cash advance vs working capital loan: purchase of receivables vs a loan, how payments and cost differ, and which one fits your business today.)
- Invoice factoring vs MCA: https://cheapcheapwebsites.com/business-funding/invoice-factoring-vs-mca/ (Invoice factoring vs merchant cash advance: B2B invoices vs card and deposit sales, who each one suits, and a side-by-side example of the real cost.)
- Equipment financing vs working capital: https://cheapcheapwebsites.com/business-funding/equipment-financing-vs-working-capital/ (Equipment financing pays for a specific machine over its useful life. Working capital covers general costs. Here is how to pick, or split the two.)
- Line of credit vs MCA: https://cheapcheapwebsites.com/business-funding/line-of-credit-vs-mca/ (A line of credit lets you draw and repay again. An MCA is a one-time advance repaid from sales. Compare who qualifies, what it costs and when each fits.)
- Trucking MCA refinance: https://cheapcheapwebsites.com/business-funding/trucking-mca-refinance/ (How trucking companies refinance merchant cash advances to lower daily payments around fuel and repair costs, and what many funders restrict.)
- Restaurant MCA refinance: https://cheapcheapwebsites.com/business-funding/restaurant-mca-refinance/ (Restaurants earn most on weekends but MCA debits hit every weekday. See how a refinance or consolidation can line payments up with card settlements.)
- Construction MCA refinance: https://cheapcheapwebsites.com/business-funding/construction-mca-refinance/ (Contractors on progress billing and net-30 to net-60 terms often stack advances. See how a refinance works, what it costs, and what many funders restrict.)
- Section 179 and equipment financing: https://cheapcheapwebsites.com/business-funding/section-179-equipment-financing/ (What Section 179 means in plain English, why equipment placed in service by year end matters, and how financing fits. Confirm details with a tax pro.)
- Holiday season business funding: https://cheapcheapwebsites.com/business-funding/holiday-season-business-funding/ (How to fund inventory and seasonal staff before Q4, when to apply so cash lands on time, and how to plan repayment after the holiday rush ends.)
- Year-end business funding: https://cheapcheapwebsites.com/business-funding/year-end-business-funding/ (December brings slow-paying clients, bonuses, rent and equipment decisions all at once. Here is how to fund the gap and plan January payments.)
- Seasonal business line of credit: https://cheapcheapwebsites.com/business-funding/seasonal-business-line-of-credit/ (How seasonal businesses use a revolving line of credit to draw before the busy months and repay during them, plus who qualifies and what to prepare.)
- Restaurant funding: https://cheapcheapwebsites.com/business-funding/restaurant-business-funding/ (Restaurant funding options for kitchen equipment, payroll, inventory and a second location, with a worked example based on card settlement deposits.)
- Retail store funding: https://cheapcheapwebsites.com/business-funding/retail-business-funding/ (How retail stores fund inventory ahead of busy seasons, when a supplier discount covers the cost of funding, and how the stock-to-cash cycle sets the term.)
- Construction business funding: https://cheapcheapwebsites.com/business-funding/construction-business-funding/ (How commercial contractors use working capital, equipment financing and factoring to buy materials and cover payroll before the next draw arrives.)
- Medical practice funding: https://cheapcheapwebsites.com/business-funding/medical-practice-funding/ (How medical and dental practices fund reimbursement gaps, new equipment and expansion, and why patient data never belongs in a funding file.)
- Trucking business funding: https://cheapcheapwebsites.com/business-funding/trucking-business-funding/ (How trucking companies fund repairs, insurance down payments and fuel, and when factoring freight invoices beats taking a cash advance.)
- Business funding at $50K a month in revenue: https://cheapcheapwebsites.com/business-funding/funding-for-50k-monthly-revenue/ (What a business bringing in about $50,000 a month can typically qualify for, with illustrative sizing, product options and the payment math to check first.)
- Business funding at $100K a month in revenue: https://cheapcheapwebsites.com/business-funding/funding-for-100k-monthly-revenue/ (Options that open up when a business deposits about $100,000 a month, with sizing guidelines and a side-by-side look at lines of credit versus advances.)
- Business funding at $250K a month in revenue: https://cheapcheapwebsites.com/business-funding/funding-for-250k-monthly-revenue/ (Larger facilities, the financials funders ask for, and how to combine products when a business deposits about $250,000 a month.)
- Business funding at $500K a month in revenue: https://cheapcheapwebsites.com/business-funding/funding-for-500k-monthly-revenue/ (Mid-market funding amounts, the documentation that supports them, and structure choices for a business depositing about $500,000 a month.)
- Business funding at $1M a month in revenue: https://cheapcheapwebsites.com/business-funding/funding-for-1m-monthly-revenue/ (How businesses depositing about $1,000,000 a month approach funding up to $5 million, with the financials required and structuring choices that matter.)
- Business funding requirements: https://cheapcheapwebsites.com/business-funding/business-funding-requirements/ (A plain table of revenue, time in business and credit guidelines by funding product, the documents to gather, and what to fix first before applying.)
- Funding marketing and a new website: https://cheapcheapwebsites.com/business-funding/funding-for-marketing-and-a-new-website/ (When working capital makes sense for ads, signage and a website, how to judge payback before you borrow, and why small website costs fit cash.)
- Funding growth: getting more customers after you get funded: https://cheapcheapwebsites.com/business-funding/funding-to-grow-customers/ (What owners spend funding on to win more customers, how to measure the return, and how to avoid borrowing more than the growth can repay.)