Small Business Funding Toolbox

When something just went wrong

Triage tools for time-pressed moments.

Pick your decline reason: see what the underwriter actually saw, how fixable it is, and what's realistically still open to you.

Enter days-until-payroll and the shortfall. Get every realistic option ranked by speed and cost: free levers first, borrowing last.

Model the numbers before you sign anything.

Job value, deposit, materials, labor, payment delay: see your cash position week by week and your worst-week gap before you bid.

Factor rates in plain math: advance × factor = total repayment, with estimated payment schedules. Know the full cost first.

MCA vs. SBA vs. line of credit vs. credit cards: total cost, APR-equivalents, and daily payment side by side.

The questions to ask about any advance offer (early payoff terms, holdback, total repayment) before your signature goes on it.

Know how your file reads to an underwriter.

A 0-100 self-assessment against the criteria revenue-based underwriters actually use. No credit pull, no login.

Deposits, ending balances, NSFs: what funders read in your last 6 months of statements and how to clean yours up in 90 days.

Everything to have in order before any funding application, so nothing stalls your file in underwriting.

50+ federal, state, minority, women, veteran, and corporate grant programs. Check money you never repay before borrowing any.

Recursos en español para dueños de negocio, escritos naturalmente, no traducidos a la fuerza: