Resources
Business funding, explained plainly
Straight answers from Affirmative Funding on how business funding really works: what lenders look at, how fast money arrives, and how to get the best terms.
Payroll · 5 min read
Using Business Funding for Payroll Without Hurting Cash Flow
When payroll funding is the right move, how to size it, and how to make sure the capital bridges a gap rather than filling a hole.
Qualifying · 6 min read
Nine Reasons Business Funding Applications Get Declined, and the Fix for Each
The real reasons revenue-based lenders say no, from account mismatches to stacked financing, and what to change before you reapply.
Renewals · 5 min read
Renewals: How a Second Round of Funding Gets Bigger and Cheaper
Why the second funding is usually the best one, when you become eligible, and how to use the first round to earn better terms on the next.
Repayment · 5 min read
Fixed Payments vs. a Percentage of Revenue: Choosing a Repayment Structure
Both structures are available from the same application. Here is how to decide, with an example of each on the same $40,000.
Bank statements · 5 min read
How to Prepare Bank Statements for a Business Funding Application
The right file format, the right account, what to annotate, and five things to fix in the month before you apply.
Credit · 4 min read
What a Soft Credit Pull Means When You Apply for Business Funding
Soft vs hard inquiries, why revenue-based lenders use soft pulls, and how to apply without damaging your credit.
Seasonal businesses · 6 min read
Funding a Seasonal Business: Landscapers, Tourism, Retail and Contractors
How to time an application around your season, why three-month averages matter, and the repayment structure built for businesses that slow down in winter.
Equipment financing · 6 min read
Equipment Financing for Small Business: How It Works and When to Use It
What equipment financing covers, how the equipment secures the deal, typical terms, and when working capital is the better route.
Funding options · 6 min read
Business Line of Credit vs. Working Capital Advance
Two tools for the same cash-flow gaps, compared on access, cost, speed and who actually gets approved.
Fast funding · 6 min read
How to Get Business Funding Fast: A Checklist for Today, Not Next Month
The exact steps that get a business from 'we need money' to funded in one business day, and the mistakes that add a week.
Done reading? See your real numbers.
Three minutes to apply, a decision in minutes, funds as soon as today.