Funding Resource Library

Business funding guides, written for real owners

Plain-English guides on what business funding actually requires, what each product costs, how fast you can really fund, and the honest trade-offs. Updated for 2026 and written by the same advisors who review your application.

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Funding Basics

Business Funding Requirements

What you need to qualify for small business funding: revenue, time in business, credit, bank statements, and documents. Plain-English requirements from BizBee.

Credit & Approval

Business Loan Credit Score Requirements

Minimum credit scores for business loans, lines of credit, MCAs, and SBA loans. What lenders actually look at and how to qualify with lower credit.

Bad-Credit Funding

Bad Credit Business Funding

Yes, you can get business funding with bad credit. Learn which products approve 500-FICO owners, how revenue offsets credit, and what to expect on rates.

Funding Speed

Same-Day Business Funding

Same-day business funding explained: how it works, who actually qualifies, typical amounts, and honest timelines from a marketplace broker.

Same-Day Business Loan Options

Same-day business loan options that actually fund the day you apply. Working capital, MCAs, payroll bridges — who qualifies, amounts, and the exact cutoffs.

Documents

Documents Needed for Business Funding

The exact documents lenders ask for when you apply for business funding — bank statements, ID, application, and what to expect for larger requests.

Funding Amounts

How Much Business Funding Can I Qualify For?

How lenders calculate your maximum business funding amount: revenue multiples, credit, time in business, and product limits explained.

MCA Costs

How Much Does a Merchant Cash Advance Cost?

Real merchant cash advance costs explained: factor rates, holdback, total payback, and how MCA pricing compares to a business loan.

MCA Alternatives

Alternatives to a Merchant Cash Advance

Better alternatives to a merchant cash advance: lines of credit, term loans, equipment financing, and consolidation. Real costs and qualifications compared.

Comparison

Business Loan vs Merchant Cash Advance

Side-by-side comparison of business loans and merchant cash advances: cost, speed, qualification, repayment, and which is better for your situation.

Line of Credit

Business Line of Credit Requirements

Real requirements for a business line of credit: credit score, revenue, time in business, documents, and how to qualify for higher limits.

Working Capital

Working Capital Loan Requirements

Working capital loan requirements: revenue, credit, time in business, and documents. What to expect on amounts, rates, and repayment.

Best Working Capital Loan Options

The best working capital loan options ranked by speed, cost, and flexibility. Lines of credit, short-term loans, MCAs, and SBA 7(a) compared honestly.

Equipment Financing

Equipment Financing Requirements

Equipment financing requirements: credit, time in business, down payment, and documents. How asset collateral can relax credit standards.

Equipment Financing Options for Small Business

Equipment financing options for small business: loans, leases, EFA agreements. Compare cost, ownership, tax treatment, and approval speed honestly.

Debt Consolidation

Business Debt Consolidation

How business debt consolidation works, when it makes sense, and how to combine multiple MCAs or loans into one lower payment.

If You Were Denied

Business Loan Denied — What to Do Next

What to do if your business loan was denied: why lenders decline, how to fix it, and which alternatives still approve denied applicants.

Special Situations

Can I Get Business Funding With a Judgment?

Yes — sometimes. How judgments affect business funding eligibility, which lenders work with judgments, and why you should consult an attorney first.

Can I Get Business Funding After Bankruptcy?

Whether business funding is available after bankruptcy: discharge waiting periods, which products approve, and why to consult an attorney first.

Bad-Credit Speed

Fast Business Funding With Poor Credit

Fast funding options for businesses with poor credit. 500+ FICO accepted, 24–48 hour approvals, revenue-based underwriting. Honest costs and qualification path.

How Applications Work

Soft-Pull Business Loan Applications, Explained

Soft-pull business loan applications let you compare real offers without hurting your credit. How they work, what data is checked, and when a hard pull happens.

Revenue & Qualification

Revenue Requirements for Business Loans

Minimum revenue requirements for business loans by product. How lenders measure monthly deposits, consistency, and what amounts each revenue tier unlocks.

Speed Playbook

Fastest Ways to Get Business Funding

The fastest ways to get business funding — ranked by realistic speed, what you need on hand, and which products fund in hours vs. days vs. weeks.

Compare Products

Line of Credit and Term Loan

Line of credit vs. term loan compared: when each makes sense, cost differences, qualification, and the most common combination strategy for growing businesses.

Payroll Bridge

Quick Payroll Funding Options

Quick payroll funding options when payroll runs tomorrow. Same-day bridges, working capital, invoice financing — what funds fastest and what to avoid.

Vetted Network

Vetted Lenders With Advisor Help

Vetted business lenders matched with advisor guidance. How BizBee qualifies lenders, what 'vetted' actually means, and how human advisors prevent costly mistakes.

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