Small Business Funding Blog
Expert tips, guides, and resources to help small business owners find the best funding options fast.
U.S. Bank Prime Loan rate
Pro Capital term loans and lines of credit start at Prime + 1.
Unsecured, with no loan minimum or maximum. Term loans and lines of credit require 680+ FICO. Soft credit pull only.
Source: Board of Governors of the Federal Reserve System (H.15) via FRED
How to Pay Off an MCA With an SBA Loan Under the New Rules (Oct 1, 2026)
As of October 1, 2026, an active merchant cash advance generally cannot be refinanced with an SBA loan. Here is what the new SOP says and what owners can do instead.
Small business rates and funding news: week of October 5, 2026
00% as of October 1, the Fed meets again October 27–28, and new SBA rules and fees took effect October 1. Here is what owners should know.
Small business rates and funding news: week of September 28, 2026
00% after the Fed's September rate hike, and new SBA rules start October 1. Here is this week's sourced small business funding news.
How to Get Business Funding in 2026: Complete Guide for Small Business Owners
Banks said no. Your cash flow is tight.
Business Loan Broker vs. Direct Lender: Which Gets Small Business Owners a Better Deal?
You need funding. You start researching and quickly realize there are two very different paths: work with a business loan broker, or go straight to a direct lender.
Lendio Alternatives for Small Business Funding in 2026
Lendio has a solid reputation in small business funding, and the marketplace model is genuinely useful. One application, multiple lenders, no need to contact lenders one by one.
SBA Loan Rates: April 2026 Update
The Small Business Administration (SBA) loan program remains one of the most competitive sources of long-term business financing in the United States. With the Federal Reserve holding the federal funds rate steady through Q1 2026, SBA loan pricing has moved in lockstep with the prime rate.
How to Get a Business Loan with a 500 Credit Score in 2026
Understanding the 500 Credit Score Challenge 2026 Lending Landscape for Bad Credit Borrowers Types of Business Loans Available with Poor Credit Strategies to Improve Your Approval Odds Alternative Lenders vs Traditional Banks Working with Funding Specialists Frequently Asked Questions Conclusion Getting rejected for a business loan stings. With a 500 credit score, that rejection can feel inevitable before you even apply.
How to Refinance a Business Loan in 2026: When It Makes Sense and How to Do It
Drowning in expensive debt payments? You're not alone.
5 Types of Small Business Loans and When to Use Each
Every business owner faces financial decisions that can make or break their company's future. You might be launching a startup, expanding operations, or dealing with cash flow challenges.
5 Smart Ways to Use a Business Line of Credit in 2026
A business line of credit works differently from a term loan. Instead of receiving a lump sum upfront, you get access to a revolving pool of capital — draw what you need, when you need it, and only pay interest on what you use.
5 Smart Ways to Use a Business Term Loan to Grow Your Small Business in 2026
Getting approved for a business term loan is only half the equation. The other half is making sure the capital you borrow actually generates more value than it costs.
What Is a Business Term Loan? How 3-10 Year Repayment Terms Benefit Small Businesses
If you’ve ever taken out a car loan or a mortgage, you already understand the basic structure of a business term loan. You borrow a fixed amount of money, agree to repay it over a set period with interest, and make the same payment every month until it’s paid off.
How to Use a Business Term Loan to Expand Your Small Business in 2026
Growing a small business costs money before it makes money. Whether you're hiring your first employee, opening a second location, or investing in equipment that doubles your capacity, expansion requires upfront capital that most businesses don't have sitting in their checking account.
Fixed Monthly Payments vs Daily MCA Withdrawals: Why Term Loans Win for Small Business Cash Flow
Every small business owner who needs capital faces the same fork in the road. On one side is a merchant cash advance — fast, easy to get, and immediately painful to repay.
How to Qualify for a Small Business Term Loan in 2026
Most small business owners assume they won't qualify for a term loan before they even apply. They've heard stories about banks requiring years of financial history, perfect credit, and collateral they don't have.
Equipment Financing vs Business Line of Credit: Which Option Scales Your Operations Faster
Your business needs capital to grow, but choosing between equipment financing vs line of credit can feel overwhelming. Both options offer distinct advantages, yet they serve different purposes in your growth strategy.
Show HN: I Built Pro Capital to Connect Small Businesses to Trusted Lenders With One Application and No Hard Credit Pull
Hi HN, I built Pro Capital after watching a friend spend three months getting rejected by lenders one at a time while his business was bleeding cash. The process most small business owners go through is brutal.
Best Small Business Loans in 2026: How to Get Funded Fast Without Hurting Your Credit
You have a clear plan. You know what your business needs.
How to Get Out of a Merchant Cash Advance in 2026 (Before It Breaks Your Business)
If you took a merchant cash advance to keep your business moving and now you're watching daily ACH withdrawals drain your account before you can pay anything else, you're not alone. MCA default rates have spiked to 22% in 2026.
MCA Alternatives: Best Small Business Funding Options That Aren't Merchant Cash Advances
You needed cash fast. Maybe payroll was due, inventory was running low, or a big opportunity came up and you had 48 hours to act.
Pro Capital vs Lendio vs Biz2Credit: Which Funding Platform Gets You Funded Fastest in 2026
You've done the research. You know what you need.