financing-cost
8 posts tagged "financing-cost".
Every way of funding a business is quoted in a different unit: a rate, a discount off an invoice, a flat multiplier. These guides convert each one to an annual cost so the options can be ranked against each other instead of taken on faith.
- Financing
Asset-based lending rates: what an ABL line costs
Asset-based lending prices at prime plus 1% to 5%, plus fees an APR quote hides. How the borrowing base works, the all-in cost, and when an ABL line fits.
- Financing
Business acquisition loan rates in 2026
Buying a business usually runs on an SBA 7(a) loan at prime plus up to 3%. How the capital stack works, the 10% equity rule, and what each source of money costs.
- Financing
Equipment financing: lease vs loan, real cost
The vendor sells the low monthly lease payment. Compare the total cost to own equipment with a loan or a lease, and let your hold period break the tie.
- Financing
Invoice factoring cost: the fee is not the rate
Invoice factoring runs 1% to 5% per invoice, but that fee is not an interest rate. Convert it to an APR and a typical deal lands near 24%. Here is the real math.
- Financing
Merchant cash advance APR: what 1.4 really costs
A merchant cash advance quotes a factor rate, not an APR. A 1.4 factor over six months is about a 142% annual rate. Here is the math, and the way out.
- Financing
Revenue-based financing: how it works and costs
Revenue-based financing repays a share of monthly sales up to a capped multiple. Gentler than a cash advance, but the effective APR still lands at 20% to 60%.
- Financing
SBA 504 loan rates and how the structure works
The SBA 504 funds owner-occupied real estate with a 50/40/10 split and a long fixed below-market rate. How it is built, what you put down, and 504 versus 7(a).
- Financing
SBA 7(a) interest rates: the 2026 legal ceiling
SBA caps how far over prime a 7(a) lender can charge. In 2026 the maximum runs from 9.75% on large loans to 13.25% on small ones. Here is the full table.