Owner resources
Tools and guides for owners who like knowing their numbers
Everything here is free, in plain English, and built to make you a sharper buyer of capital — whether or not you ever borrow through us. New resources land on this page as we publish them.
Free resource
A Quick Guide to Business Loans
Straight from our lending desk: every major financing tool explained in plain English, so you walk into any loan conversation knowing exactly what you’re being offered — and what to ask for.
- Equipment financing
- Term loans
- Lines of credit
- SBA loans
- Factoring
- Fix & flips
- Commercial real estate
Tax playbook · Section 179
The write-off that pays for the equipment
Finance equipment this year and you can potentially deduct the full purchase price this tax year — while paying for it monthly. Run your numbers right here.
- Up to $2.5M deduction cap*
- New & used equipment
- 100% bonus depreciation
*2025 federal limits, indexed annually — your accountant confirms current-year figures and what applies to you. Not tax advice.
Run the write-off
Illustrative — not tax adviceYour effective tax rate — ask your accountant
Potential first-year deduction
$250,000Illustrative tax savings at 24%
$60,000Effective net equipment cost
$190,000Illustrative math only — not tax advice. Federal limits under 2025 law: $2.5M deduction cap, $4M phase-out, indexed annually. Eligibility, vehicle caps, business-use percentage, and state treatment vary — your accountant confirms what applies to you.
2-minute application · Soft credit pull · No obligation
Know your number
Four products. Your real numbers on all of them.
Equipment, term loans, credit lines, working capital — pick one, drag to your amount, and see an honest estimated range instantly. Then carry it straight into a 2-minute, soft-pull application.
- Each product quotes the way lenders actually quote it
- Illustrative ranges, shown up front — never a teaser rate
- Soft credit pull only — your score stays untouched
- Your numbers pre-fill the application
Know your numbers
Won't affect your creditOver how long?
months
Estimated monthly payment
$2,630–$3,593/mo
Total of 72 payments
Fixed monthly payments, fully amortizing — no balloon.
Illustrative estimates only — not an offer of credit or a commitment to lend. Ranges span SBA-grade to online programs; your actual terms depend on credit profile, time in business, business financials, and the lender your deal is matched with.
2-minute application · Soft credit pull · No obligation
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Over how long?
months
End-of-term buyout structure
At end of term: return it, keep financing, or buy it at fair market value. Lowest monthly payment; end cost set at term end.
Estimated monthly payment
$2,265–$3,066/mo
Total of 72 payments
Buyout at month 72
Illustrative estimates only — not an offer of credit or a commitment to lend. Ranges span SBA-grade to online programs; your actual terms depend on credit profile, time in business, business financials, and the lender your deal is matched with.
2-minute application · Soft credit pull · No obligation
Repay that draw over
months
If you draw $50K and repay over 24 months
$2,261–$2,545/mo while repaying
Total cost of that draw
Lines of credit revolve — you pay only on what you draw, and your actual cost depends on your draw and repayment pattern.
Illustrative estimates only — not an offer of credit or a commitment to lend. Ranges span SBA-grade to online programs; your actual terms depend on credit profile, time in business, business financials, and the lender your deal is matched with.
2-minute application · Soft credit pull · No obligation
Estimated payback period
months
Estimated monthly payment
$3,556–$4,028/mo
Cost of capital
Estimated total payback
Priced as a fixed multiple of the advance — your total payback is known up front, not an interest rate that accrues. Repayment schedules vary by program; strong months pay it down faster.
Illustrative estimates only — not an offer of credit or a commitment to lend. Ranges span SBA-grade to online programs; your actual terms depend on credit profile, time in business, business financials, and the lender your deal is matched with.
2-minute application · Soft credit pull · No obligation
Want a topic broken down next? Tell us what you’re weighing — Section 179, lease vs. buy, refinancing timing — and we’ll put it in plain English here.
Know your number.
Ready when you are.
2 minutes. Soft pull. Real numbers. If the terms don’t make your business stronger, walk away — no strings.