by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: An SBA loan is patient money on a patient clock, and your supply house does not read the agency calendar. SBA loan alternatives for contractors trade a lower headline cost for a faster answer, funding off your deposits, receivables and iron instead of a full...
by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: Contractor financing means two different things, and chasing the wrong one wastes your week. This guide covers funding for your business: working capital, advances, credit lines, equipment money and cash against your invoices. Payment plans for your homeowners...
by Tim Framer | Aug 28, 2026 | Equipment & Project Financing
TLDR: Your trucks, lifts and machines get funded through programs secured by business assets and revenue, not through one product with equipment financing stamped on it. Federal Reserve survey data shows equipment-backed borrowing wins full approval more often than...
by Tim Framer | Aug 28, 2026 | Merchant Cash Advance
TLDR: A merchant cash advance factor rate is a multiplier, not an interest rate. Your funder sets it once at signing, multiplies your advance by it, and that total is what you owe no matter how fast the money comes back. Learn the multiplier, the holdback and the...
by Tim Framer | Aug 28, 2026 | Working Capital & Credit
TLDR: The business line of credit vs merchant cash advance choice comes down to structure: a revolving pool you draw from and pay down at a rate, against a sale of future revenue you repay as sales come in. The line rewards a steady book. The advance rewards speed,...
