Financing Guides
Plain-language explainers on the financing decisions we see borrowers weigh most often, grouped by topic.
Sponsor-backed / PE portfolio-company financing
- Add-On Acquisition Financing for a PE Portfolio CompanyHow add-on acquisitions for a PE-backed portfolio company typically get financed, and what a lender actually underwrites in a sponsor-backed deal.
Broker/compliance transparency
- Commercial Financing Broker Disclosure Requirements in CaliforniaWhat California's commercial financing disclosure rules require providers and brokers to give a business borrower, and where those rules apply.
ABL / unitranche / mezzanine / structured credit
- How a Borrowing Base Actually Gets CalculatedHow asset-based lenders calculate a borrowing base from accounts receivable and inventory, and why equipment usually sits outside it.
Working capital & receivables
- Invoice Factoring vs. a Business Line of CreditHow invoice factoring and a business line of credit differ for funding working capital, and which one fits which kind of business.
Equipment finance
- Lease vs. Loan for Equipment PurchasesHow equipment leasing and equipment loans differ on ownership, cash flow, and taxes, and how to decide which one fits your next equipment purchase.
SBA lending
- SBA 7(a) vs. 504: Which Fits a $2M Equipment Purchase or Acquisition?How SBA 7(a) and SBA 504 loans differ for a $2M equipment purchase or business acquisition, and which one typically fits which situation.
Refinance & existing-debt situations
- What a UCC-1 Filing on Your Business Means (and What Happens When It Lapses)What a UCC-1 financing statement is, why one might show up on your business's public record, and what happens when it lapses or gets terminated.