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Resources

Guides written to be useful.

No gated PDFs, no email walls, no 2,000 words of preamble before the answer. These are the explanations we'd give you on the phone, written down.

3In-depth guides
30FAQ answers
0Email walls
Guides

Read before you sign anything.

Comparison · 9 min read

How to Compare Business Funding Offers Without Getting Burned

Rate isn't the number that matters. Here's how to convert every offer to the same units and see which one actually costs less.

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SBA · 11 min read

The SBA Loan Document Checklist (and the Order to Gather Them)

Every document an SBA lender will ask for, why they want it, and the sequence that keeps your file moving instead of stalling.

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Straight talk · 10 min read

Merchant Cash Advances: When They Work and When They Wreck You

The math nobody explains, the clause everyone skips, and how to tell in five minutes whether an advance will help or hurt.

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Tools

Answer it yourself

Funding estimator

See a realistic approval range in ten seconds. No email, no credit check.

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Compare all 10 programs

Every program with real ranges, requirements and when each one is wrong.

Compare programs

Thirty FAQ answers

Credit, rates, timelines, documents, consolidation — answered straight.

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Ask Night Fox

Funding questions answered instantly, any hour, with no form to fill in.

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Quick reference

The numbers worth memorizing.

If you remember nothing else from this site, remember these. They decide most funding outcomes.

  • 3 months of business deposits — the first real funding threshold
  • $10,000/month in deposits — the floor for most cash-flow programs
  • 640 FICO — where term loans and real credit lines open up
  • 5 NSFs in a month — where good files start getting declined
  • 2 years + 680 — where SBA becomes realistic
  • 3 positions — where consolidation stops being optional

The document checklist

Have these ready and you're ahead of most files on the desk.

  • Completed application
  • 3–6 months business bank statements (PDF from online banking)
  • Voided business check or bank letter
  • Driver's license
  • Existing position statements, if any
For term loans, SBA and real estate
  • YTD profit & loss and balance sheet
  • 1–2 years business and personal tax returns
  • Business debt schedule
  • AR / AP aging
  • Purchase agreement and scope of work
Ready when you are

When your bank says no. We find who says yes.

A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.

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