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# eBoost Partners: eBoost Partners offers customized small business funding solutions including Revenue Based Financing, Lines of Credit, SBA Loans, Equipment Financing, Purchase Order Financing, and Invoice Factoring.

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## Posts
- [Food truck financing: how to fund your truck, equipment, and first year](https://eboostpartners.com/resources/food-truck-guide/food-truck-financing/): Can I get a food truck loan with bad credit?Yes, depending on how low we're talking. Most conventional equipment lenders want a 620+ credit score, but SBA microloan programs through CDFIs and nonprofit intermediaries are significantly more flexible — some work with scores in the 550s for startup businesses with a strong business plan. If your score is below 600 and you're a startup, the SBA microloan path is your most realistic option for affordable capital. For established trucks with consistent card revenue, products like merchant cash advances are accessible at lower credit scores, though the cost is higher. The important thing is not to assume financing is unavailable before you've explored the full range of options.What's the minimum down payment for food truck financing?Most conventional equipment lenders require 10–20% down for food trucks. On a $120,000 truck and build-out, that's $12,000–$24,000 out of pocket. The exact amount depends on the lender, your credit profile, and whether you're buying new or used — used trucks sometimes require a higher down payment because the collateral depreciates faster. SBA microloan programs vary by intermediary lender; some have lower down payment requirements or none at all, particularly for startup operators. If the down payment is the barrier, it's worth specifically exploring microloan programs in your area before assuming you need to save up to conventional levels.Does the SBA finance food trucks?The SBA doesn't lend directly to food truck businesses, but it backs two programs that are commonly used for food truck financing. The SBA microloan program (up to $50,000) is the most relevant for startups and operators who don't meet conventional lender requirements — it's administered through nonprofit intermediary lenders and is specifically designed for small businesses that can't access traditional financing. The SBA 7(a) loan program can also be used for food truck purchases, though the typical loan minimums make it more practical for larger transactions. If you're a first-time operator looking at startup financing, the microloan program is the right place to start the SBA conversation.
- [Used food truck financing: everything you need to know before you buy](https://eboostpartners.com/resources/food-truck-guide/used-food-truck-financing/): Can I finance a used food truck that's more than 10 years old?It's harder but not impossible. Specialty equipment lenders like Ascentium Capital and National Funding typically draw the line at 10 years. Commercial vehicle lenders — TD Auto Finance, Bank of America commercial, and some credit unions — may extend to 12–15 years because they underwrite the truck as a vehicle rather than as equipment. SBA 7(a) will sometimes fund older trucks if the remaining useful life exceeds the requested loan term, which requires a formal appraisal. For trucks older than 10 years, plan on a larger down payment (20–30%) and expect fewer lender options. The condition report and inspection become even more important because the lender has less collateral protection.What inspections do I need before buying a used food truck?You need two separate inspections. First, a diesel or commercial vehicle mechanic should inspect the chassis — engine, transmission, brakes, exhaust, generator hours, and overall mechanical condition. Budget $300–$500 for this. Second, a commercial kitchen equipment technician should assess every piece of cooking equipment, the hood suppression system (fire suppression certification date), refrigeration units, propane or gas lines, and the ventilation system. Budget $200–$300 for this. Together, $500–$800 is a small investment against a $40,000–$80,000 purchase. Pay particular attention to the fire suppression system — if it's expired, you cannot legally operate until it's recertified or replaced, and that can take weeks.Is used food truck financing different from new truck financing?The structure is similar — fixed-rate installment loan secured by the truck — but the underwriting is different in a few key ways. Used truck loans carry slightly higher interest rates (typically 1–3 percentage points above comparable new truck loans) because the collateral is older and riskier. Lender eligibility is narrower — the 10-year age cap eliminates some lenders entirely. Down payment requirements may be higher, especially for older trucks. And lenders place much more weight on condition documentation: inspection reports, mileage, generator hours, and health code compliance are all scrutinized. The approval timeline is often similar or faster than new truck financing through specialty lenders, because the simpler collateral profile (existing truck vs. custom build) means less documentation complexity.
- [Food truck working capital: how to finance operations, inventory, and seasonal gaps](https://eboostpartners.com/resources/food-truck-guide/food-truck-working-capital/): Can I get a working capital loan for my food truck if my business is seasonal?Yes, and seasonal businesses actually have a compelling story to tell lenders — if you frame it correctly. The key is showing that your peak-season revenue is strong enough to service debt and build reserves, and that the winter slowdown is predictable, not symptomatic of a failing business. Provide 12 months of bank statements so lenders see the full annual cycle. Explain the seasonal pattern upfront: northern-state food trucks routinely see 50–70% revenue drops in winter — this is industry-normal, not a red flag. Online lenders like Bluevine and Fundbox are experienced with seasonal businesses. Revenue-based financing providers (Capchase, Clearco) are often the best fit because their repayment structure adjusts with your revenue — you pay more in summer, less in winter. Apply during your peak season when your financial picture is strongest.What's the best financing option for a food truck during a winter slowdown?The honest answer: the best option during a winter slowdown is one you secured during summer. A revolving line of credit established in May or June — when your bank statements are strong — can be drawn on in December without a new underwriting process. If you're already in the slowdown without a line in place, your options are more limited. Revenue-based financing providers may still work with low-revenue months if your trailing 12-month average is solid. An MCA is accessible but expensive and should be treated as a last resort. SBA Express lines require stronger documentation and take 2–4 weeks to fund, so they're not a quick winter fix. The practical recommendation: build working capital access in summer and treat it as infrastructure, not emergency financing.How much working capital does a food truck need?A useful benchmark is 2–3 months of fixed operating expenses held in reserve or available through a line of credit. For a typical food truck operation, fixed monthly costs include commissary rental ($400–$2,000), commercial auto and liability insurance ($250–$500/month when paid monthly), vehicle loan payment ($800–$2,500/month depending on the truck), and any permit renewals or platform fees. Add to that the capital needed for your specific situation — event deposits you need to make 3–6 months ahead, catering contract upfront costs, or an equipment repair fund. Most solo-operator food trucks benefit from $15,000–$40,000 in working capital access; multi-truck operations or heavy catering businesses may need $75,000–$150,000 depending on contract size and seasonality.
- [Food truck startup loan: options, requirements, and real costs](https://eboostpartners.com/resources/food-truck-guide/food-truck-startup-loan/): Can I get a food truck startup loan with no business history?Yes. Startup food truck loans are underwritten on personal credit, financial history, and business plan quality — not business revenue. SBA microloans through nonprofit intermediaries like Accion Opportunity Fund are specifically designed for first-time business owners with limited history. The stronger your personal credit and the more detailed your plan, the better your options.Do I need a commissary contract before applying for financing?Most lenders expect to see a commissary arrangement in place — or at minimum a letter of intent — before funding. Cities require licensed commissary access for food prep and storage, so the lender views it as essential infrastructure. Secure the commissary agreement (or at least a conditional reservation) before submitting your loan application.How much revenue can a food truck realistically make?A well-positioned food truck in a food-truck-friendly market typically generates $1,500–$3,500 per operating day at peak season, with annual gross revenue of $150K–$500K. Highly visible trucks in dense urban markets or those with strong corporate catering contracts can reach $500K–$800K. Lenders model conservative projections — usually 60–70% of your best-case scenario — so build your plan around realistic daily sales, not ideal conditions.
- [Box truck leasing vs. buying: how businesses actually make this decision](https://eboostpartners.com/resources/fleet-vehicle-guide/box-truck-leasing/): What credit score do I need to lease a box truck?Most commercial vehicle leasing companies require a minimum credit score of 600–620. Below that threshold, you're looking at specialty lenders with higher rates, larger security deposits, or a requirement to finance a used truck rather than a new one. The sweet spot for competitive lease pricing is 680+. At 720+, you'll see the best money factors and, in some cases, $0 down options. Personal credit matters more for new businesses — once your business has two or more years of established credit, the business profile starts to carry more weight than your personal score.Is it better to lease or buy a box truck?It depends on how you use the truck and what your capital priorities are. Leasing makes more sense if you want lower monthly payments, predictable replacement cycles, and you're running routes that stay within mileage caps (100,000–150,000 miles over a 60-month lease). Buying makes more sense if you want equity, no mileage limits, full customization rights, and you plan to hold the truck for five or more years. Section 179 is a meaningful factor for profitable businesses — being able to deduct the full purchase price in year one often tips the math toward buying. I tell clients to run both scenarios with their accountant before deciding.Can I lease a box truck with a new business?Yes, but the terms are different. Most mainstream leasing companies want 1+ year in business. With less than 12 months of history, you'll typically need 20–30% down (on a lease, this might be structured as a larger security deposit), personal credit above 680, and sometimes a personal guarantee. Some lenders specialize in startup commercial vehicle financing — they underwrite heavily on personal credit and business plan rather than business financials. A used truck is often the path of least resistance for a new business: lower vehicle price, lower down payment requirement, and lenders who are generally more flexible on newer operators.
- [Owner-operator truck loans: financing your first semi as an independent trucker](https://eboostpartners.com/resources/fleet-vehicle-guide/owner-operator-truck-loans/): How much do I need to put down on a truck as a first-time owner-operator?For new authority operators (MC number under 12 months) with 620–660 credit, expect 20–35% down on a used semi truck. At $80K purchase price, that's $16K–$28K out of pocket. For established operators (2+ years, dedicated freight, 680+ credit), down payments drop to 10–15%. Below 580 credit with new authority, realistic programs require 40–50% down — making $30K–$50K in cash reserves necessary. If you don't have the down payment today, a carrier lease-on program provides the path to build the necessary down payment and history simultaneously.Can I get an owner-operator truck loan with a recent bankruptcy?Discharged Chapter 7 bankruptcy older than 12 months is workable with some specialized trucking lenders, particularly for used trucks with significant down payments (30–50%). Active Chapter 13 bankruptcy (still in repayment plan) is more difficult but some lenders will approve with court permission and trustee coordination. The key is finding lenders who have specific programs for post-bankruptcy operators rather than applying to standard commercial lenders who will decline automatically. Recent freight income (post-bankruptcy) and a clean post-discharge credit history both significantly improve the post-bankruptcy financing picture.Is a lease-purchase program a good deal for new owner-operators?Lease-purchase programs offer lower barriers to entry — no large down payment, no need for established credit — but the total cost of truck ownership is typically 25–40% higher than direct financing over the same period. Weekly lease rates plus mandatory deductions (fuel advance repayment, insurance, maintenance escrow) can consume most of the owner-operator's gross revenue, leaving thin net income. The contractual requirement to haul exclusively for the sponsoring carrier also limits your ability to negotiate rates or change freight relationships. Lease-purchase is appropriate as a 12–24 month bridge to build MC history and savings for a direct truck purchase — not as a permanent operating model.
- [Box truck financing: buying a box truck for delivery, moving, or contracting](https://eboostpartners.com/resources/fleet-vehicle-guide/box-truck-financing/): Do I need a CDL to finance a box truck?Not for most box truck configurations. Vehicles under 26,000 lbs GVWR (which includes most 14-foot to 22-foot box trucks) don't require a CDL under federal regulations. The common Isuzu NPR-HD (14,500 lbs GVWR) and Isuzu NRR (19,500 lbs GVWR) both fall below the CDL threshold. The 26-foot trucks (Isuzu NQR at 19,500 lbs, Ford F-750) approach but typically remain below 26,000 lbs. Above 26,000 lbs GVWR — common for large 26-foot trucks and Class 6–7 vehicles — a CDL Class B is required. Lenders don't require CDL documentation for sub-26,000 lb vehicles; it's a regulatory requirement for the driver, not a financing requirement.How much revenue do I need to qualify for a box truck loan?Most commercial vehicle lenders look for monthly revenue that's at least 4–5× the monthly loan payment. For a $55K box truck on a 60-month loan at 8% APR ($1,115/month payment), you'd want to show $4,500–$6,000/month in verifiable business revenue. New businesses without 12 months of revenue history can sometimes qualify with a larger down payment (20–30%) and personal financial statement showing capacity to service the loan from combined personal and business income. Revenue documentation is typically 3–4 months of business bank statements.Can I finance a box truck for a startup business?Yes, with limitations. Most commercial vehicle lenders want 12 months of business history. Below that threshold, you have several options: start a business entity at least 6 months before applying (many lenders use 6 months as a secondary floor); use the business owner's personal credit and financial statement with a 20–30% down payment; or apply through equipment financing lenders who sometimes have more flexible time-in-business requirements when the down payment is sufficient. SBA microloans through nonprofit intermediaries can also fund first commercial vehicle purchases for startups, though the process is slower (4–8 weeks vs 24–72 hours for commercial auto).
- [Semi Truck Financing: How to Finance an 18-Wheeler in 2026](https://eboostpartners.com/resources/fleet-vehicle-guide/semi-truck-financing/): Can I finance a semi truck with no trucking experience?Yes, but it's more difficult and more expensive. With a valid CDL and FMCSA operating authority or a lease-on arrangement, some trucking lenders will finance a first truck for an inexperienced owner-operator — typically at higher rates (10–16% APR), higher down payments (20–35%), and for used trucks rather than new. The easiest entry path is leasing-on with an established carrier for 12–18 months first: this provides operating history, income documentation, and CDL experience that dramatically improves standalone loan approval for your first personally-financed truck.What credit score do I need to finance a semi truck?620 is the practical floor for most specialized trucking lenders for established operators with 2+ years of MC history. For new authority (MC under 12 months), most lenders want 640–660 even with additional down payment. Below 600 credit with new MC authority is very difficult — the combination of credit risk and operational risk typically results in declines or 40–50% down payment requirements that are impractical for most buyers. Focus on MC seasoning and credit repair simultaneously if both are issues.Is it better to buy or lease a semi truck as an owner-operator?For most owner-operators with 2+ years of experience and an established freight book, buying (via financing) builds equity and eliminates the per-mile or weekly rate structure of leasing programs. Carrier lease programs (where you drive a carrier's truck and pay a weekly lease rate) offer lower upfront commitment but often include restrictive covenants (must haul for that carrier, rate structures set by the carrier) that limit your earning flexibility. New owner-operators often start with carrier lease programs to build history, then transition to truck ownership once they have 12–24 months of documented income and a stable freight relationship.
- [SBA loans for dentists: rates, lenders & how to apply](https://eboostpartners.com/resources/dental-practice-guide/sba-loans-dentists/): Does dental school debt affect SBA loan eligibility?Large dental school debt balances in good standing do not disqualify you from an SBA loan. Lenders factor your federal student loan payment into your personal debt-to-income calculation when determining how much practice debt service you can comfortably carry — so very high payments can affect loan sizing, but they don't trigger a decline. What does cause problems is delinquency. Any federal student loan in default or 90+ days past due creates a material obstacle. Income-driven repayment plans are fully acceptable — document them clearly and include your current monthly payment amount in your personal financial statement. Honestly, lenders who specialize in dental SBA lending see $250K–$400K student loan balances regularly. They know how to model it. It's not the issue borrowers fear it is, as long as the payments are current.How long does SBA dental practice financing take?With a specialized dental SBA lender, 45–60 days from complete application is realistic. "Complete application" is the key phrase — the clock starts when your lender has everything they need, not when you submit the first document. Startup applications may take 60–75 days because the underwriting of projections and market analysis takes longer than reviewing an existing practice's three years of financials. Generic SBA lenders typically run 90–120 days, and some will request redundant documentation multiple times because they're less familiar with the dental-specific components. The fastest deals close in 35–40 days when the borrower is pre-qualified, the documentation is organized, and the lender has Preferred Lender Program (PLP) authority to approve without waiting for SBA review.Can I use SBA for a second dental practice location?Yes. SBA 7(a) is available for multi-location expansion and can go up to $5M total outstanding. The underwriting criteria shift somewhat — lenders want to see the first location performing well (strong DSCR, no delinquencies), and they'll want confidence that you can clinically manage two sites, whether through an associate, a partner, or your own split schedule. If you're at the limit of the 7(a) program or want to acquire commercial real estate for the second location, SBA 504 becomes relevant. Multi-location dental SBA deals are common — Live Oak Bank and Bank of America Practice Solutions both handle them regularly. What changes is the documentation requirement: your first practice's current financials are just as important as the target acquisition's numbers.
- [How to buy a dental practice: valuation, financing, and what to watch out for](https://eboostpartners.com/resources/dental-practice-guide/buy-dental-practice/): How much do I need for a down payment to buy a dental practice?Through SBA dental practice lenders, the standard down payment is 10% of the purchase price. On a $700K practice, that's $70K out of pocket. Conventional bank financing (non-SBA) typically requires 15–25% down. Some deals include seller financing — where the seller carries 10–20% as a note — which can reduce the outside financing required and effectively lower your out-of-pocket. Note that your down payment needs to come from documented sources: personal savings, retirement account distributions (with tax implications), or gifts from family with a gift letter. Borrowed funds generally can't be used as a down payment under SBA program guidelines.Can I buy a dental practice right out of dental school?Technically possible, but difficult. Most specialized dental lenders want to see 2+ years of post-licensure clinical experience. The rationale is straightforward — they're betting on your ability to maintain the seller's production levels, and without clinical history in a production environment, that's hard to underwrite confidently. There are exceptions, particularly for dentists coming out of specialty programs where clinical hours are extensive, but these require lenders willing to look at the whole picture. In most cases, the better path is 3–5 years as an associate (build your credit, save for a down payment, document production), then acquire. The wait is frustrating, but the financing terms you get as a more seasoned borrower are meaningfully better.What happens if the seller's patients don't stay?Patient attrition in the first 12 months post-close is the primary risk in any dental acquisition. The industry benchmark for a well-managed transition is 85–90% retention. If retention drops to 70%, you're looking at a 15–20% revenue shortfall against your debt service model — which can put real stress on cash flow in years one and two. The best protection is due diligence before close (understand who the patients are loyal to and why) and a structured transition agreement that includes specific seller obligations: introduction letters, overlap scheduling, and ongoing referral of existing patients. You can also negotiate a price adjustment clause tied to first-year collections, though sellers resist these and they complicate financing. Honestly, the better play is to price the attrition risk into your offer rather than trying to claw it back contractually after the fact.
- [Dental equipment financing: loans, leases & lenders](https://eboostpartners.com/resources/dental-practice-guide/dental-equipment-financing/): Should I lease or buy dental equipment?It depends on the equipment type and how quickly the technology will be superseded. For core, long-lived equipment — dental chairs, sterilization units, basic radiography — ownership typically wins because you capture the full Section 179 deduction and aren't paying for residual value you'll never realize. For technology-heavy equipment like intraoral scanners, CBCT systems, and CAD/CAM mills, a fair-market-value lease often makes more sense because it lets you upgrade when the next generation arrives without eating the depreciated resale loss on owned equipment. Honestly, the tax analysis for your specific income level and equipment mix is worth 30 minutes with your CPA before you commit to a structure.Can I finance used dental equipment?Yes, most dental equipment lenders will finance certified refurbished or used equipment — but with some conditions. For purchases over $50K, lenders typically require an independent appraisal. The equipment's remaining useful life needs to comfortably exceed the loan term. A 12-year-old CBCT on a 5-year loan is going to get scrutinized hard. The other consideration is warranties: used equipment often comes with limited or no manufacturer warranty, so factor in service contract costs when evaluating the true financing cost. Rates for used equipment are usually 1–3 percentage points higher than for new, reflecting the added risk.Does Section 179 apply to dental equipment leases?It depends on the lease structure. Section 179 applies to $1 buyout leases (which function essentially as loans) because the tax code treats these as purchase transactions. It does not apply to true operating leases or fair-market-value leases — but those lease payments are fully deductible as a business operating expense, which creates a different but real tax benefit. Bonus depreciation, which phases down under current law, may also interact with your equipment purchase decision. Your CPA should run the after-tax comparison for your specific scenario, but for most high-income dentists, the Section 179 route through an equipment loan or $1 buyout lease produces the better first-year tax outcome.
- [Dental practice loans: how dentists get financing and what lenders actually look for](https://eboostpartners.com/resources/dental-practice-guide/dental-practice-loans/): Can a new dentist with student loans get a practice loan?Yes — and this comes up constantly. I've worked with clients carrying $300,000 in dental school debt who still got approved for a $1M+ acquisition loan. The key is working with specialty dental lenders rather than conventional banks. Lenders like Provide and Live Oak Bank explicitly account for dental school debt in their underwriting models. They look at your total earnings potential as a practice owner, not just your current debt load. A 700+ credit score, two or more years of associate income, and a well-priced acquisition target are a solid foundation. The real-world example: an associate dentist in Seattle, three years post-graduation, carrying $280,000 in student debt and a 720 credit score, financed 90% of a $1,100,000 solo practice acquisition through Live Oak at 7.2% over 10 years.How much can a dentist borrow to buy a practice?Specialty lenders will finance 80–100% of the purchase price for well-qualified buyers acquiring a practice with clean financials. For most solo practice acquisitions, that means $250,000 to $1,500,000 in financing without requiring a large down payment. For larger group practice acquisitions, loans can reach $2,000,000 or more, and SBA 7(a) loans are available up to $5,000,000. The limiting factor is usually the practice's ability to service the debt from its own cash flow — lenders want to see that the practice generates enough net income to cover the loan payment with a reasonable cushion.Do I need collateral for a dental practice loan?For acquisition loans, collateral requirements vary by lender. Many specialty dental lenders will approve loans secured primarily by the practice assets and a personal guarantee — without requiring real estate or other hard collateral. The practice itself (equipment, goodwill, patient records, lease) is treated as the primary collateral. For startup loans, collateral requirements are typically higher because there's no existing practice to secure the loan against. A personal guarantee is required in virtually every case, and some lenders will ask for additional personal assets to support larger startup loans. SBA 7(a) loans have specific collateral rules — lenders are required to take available collateral, but the SBA guarantee fills gaps when collateral is insufficient.
- [Janitorial business startup loans: financing for new cleaning companies](https://eboostpartners.com/resources/cleaning-business-guide/janitorial-startup-loans/): How much does it cost to start a commercial cleaning business?A minimal commercial cleaning startup — one person with basic equipment and a personal vehicle — can launch for $8K–$20K, primarily covering equipment ($3K–$8K), insurance ($2K–$4K), bonding ($300–$800), and initial supplies ($1K–$3K). A more professional setup with a cargo van, industrial scrubber, and adequate working capital runs $40K–$75K. Large commercial janitorial companies serving hospitals, universities, or municipal facilities require $100K–$250K to fully staff and equip for those contract sizes. Most entrepreneurs start small and reinvest revenue into additional equipment and vehicles as client base grows.Can I get a startup cleaning business loan with bad credit?Below 620 credit, conventional equipment financing and SBA microloans become difficult. Realistic alternatives include: CDFI lenders with holistic underwriting (some CDFIs work with credit scores as low as 550), Kiva microloan crowdfunding (up to $15K at 0% interest, underwritten on character rather than credit score), personal loans from family or a CDFI personal loan, and starting as a subcontractor to an established cleaning company (no financing needed) to build revenue and credit simultaneously. A 12-month subcontracting history plus active credit repair can move you from 590 to 640+, opening significantly better options.Do I need to be bonded and insured before getting a cleaning business loan?Lenders don't require you to be bonded and insured at the time of application, but commercial clients typically require both before signing a contract — and the contract revenue is what repays the loan. It's a chicken-and-egg problem. The practical answer: get your general liability insurance and janitorial bond before you submit your first commercial bid. The annual cost ($2K–$5K for most small operations) is worth including in your startup budget. Some SBA microloan programs actually fund the insurance and bonding premium as part of the startup package — ask specifically about this with your SBA intermediary.
- [Janitorial business loans: financing for established commercial cleaning companies](https://eboostpartners.com/resources/cleaning-business-guide/janitorial-business-loans/): Can a commercial cleaning company get an SBA loan for business acquisition?Yes. Commercial cleaning company acquisitions qualify for SBA 7(a) financing up to $5M. The SBA underwrites on the target company's cash flow, the buyer's credit and experience, and the collateral position (equipment + any real estate). For cleaning company acquisitions, the key documents are 3 years of the seller's tax returns, current client contract list with revenue by account, and equipment inventory with valuations. Cleaning companies with institutional clients (hospitals, schools, government) on multi-year contracts are particularly strong SBA acquisition candidates.What's the fastest way to get working capital for a janitorial company?For same-week funding, online lenders like Bluevine, OnDeck, or Fundbox can approve and fund $25K–$150K within 3–5 business days using 3–4 months of bank statements. For larger amounts or better rates, community banks with commercial cleaning industry experience take 2–3 weeks. Invoice factoring is another rapid-access option for companies with significant commercial account AR — factoring companies (like Triumph Business Capital or altLINE) can convert invoices to cash within 24–48 hours at 1.5–4% per 30 days. Factoring is expensive on an annualized basis but appropriate for bridging NET-30/60 billing cycles.How does customer concentration affect janitorial loan approval?Lenders generally want no single client to represent more than 25–30% of annual revenue. A cleaning company where one hospital system generates $280K of $500K total revenue (56% concentration) will face skepticism from lenders about what happens if that contract is lost or not renewed. They'll either decline the loan, require additional collateral, or haircut their revenue projections significantly. Practically, winning two or three additional accounts worth $50K–$100K each before applying — even at the cost of delaying the financing by 3–6 months — often produces dramatically better outcomes than applying with high concentration.
- [Cleaning business loans: how janitorial and cleaning companies get financed](https://eboostpartners.com/resources/cleaning-business-guide/cleaning-business-loans/): Can I get a cleaning business loan with no collateral?Yes. Most cleaning business loans are unsecured or have very limited collateral requirements. Invoice factoring uses your receivables - not physical assets - as the basis for funding. Business lines of credit from alternative lenders are typically unsecured, though they'll require a personal guarantee. Equipment loans use the equipment itself as collateral, so there's no need to pledge additional assets. The lack of collateral may mean higher interest rates or lower loan amounts from traditional banks, but it doesn't disqualify you from alternative financing options.How does invoice factoring work for cleaning companies?Invoice factoring lets you sell your outstanding invoices to a factoring company in exchange for immediate cash - typically 80–90% of the invoice value. The factor then collects directly from your commercial client when the invoice comes due. Once the client pays, you receive the remaining balance minus the factor's fee, which runs 1.5–4% per 30 days. For commercial janitorial companies billing on net-30 to net-60 terms, factoring eliminates the cash flow gap between completing work and getting paid. Your clients generally don't see any disruption — payment instructions are updated on your invoices.What revenue does my cleaning business need to qualify for a loan?It depends on the loan type. SBA microloans through nonprofit lenders have the most flexible requirements and will work with early-stage businesses generating $5,000–$8,000/month or less. Invoice factoring has no strict revenue floor - it's based on your outstanding invoices. Most alternative lenders offering term loans or lines of credit want to see $10,000–$15,000 in monthly revenue with at least six months in business. Bank and SBA 7(a) loans typically require $20,000+/month and two years of operating history. A cleaning company doing $240,000 annually with solid commercial contracts is in a good position for most mid-market products.
- [Cleaning equipment financing: floor scrubbers, extractors, and fleet vehicles](https://eboostpartners.com/resources/cleaning-business-guide/cleaning-equipment-financing/): Can I finance cleaning equipment if my business is less than a year old?Yes, with higher down payment requirements and higher rates. Most specialty equipment lenders will fund cleaning equipment for businesses under 12 months if personal credit is 660+ and a down payment of 20–30% is available. Below 660 credit, seller financing or manufacturer leasing programs (which sometimes have less stringent business age requirements) are alternatives. SBA microloans through nonprofit intermediaries can also fund equipment for very new businesses if you have a credible business plan and relevant cleaning industry experience.Is it better to lease or finance a ride-on floor scrubber?For most established cleaning companies doing $300K+/year in commercial cleaning contracts, buying through a loan is the better long-term economic choice — a Tennant T7 used heavily will last 12–15 years, and ownership eliminates ongoing lease payments after the loan is paid. For smaller companies or those entering new service categories (adding hard floor care to a carpet-cleaning operation), an operating lease reduces capital commitment while validating the revenue model. If you're uncertain about the scrubber's ROI on your current contract base, lease first. Once you've demonstrated the revenue impact, refinance into ownership at renewal.Can I finance a pressure washing trailer and the truck at the same time?Yes, but through two different financing products. The trailer and pressure washing equipment finance through equipment lenders (Ascentium, Balboa, National Funding); the truck finances through commercial auto lenders (Bank of America, Ally, Wells Fargo Commercial). You can apply to both simultaneously and coordinate funding timing. Some larger equipment finance companies can bundle trailer + truck into a single commercial vehicle package, but rates are typically better when you separate them. For box trucks or larger commercial vehicles, see our box truck financing guide.
- [SBA loans for nonprofits: eligibility rules and the best alternatives](https://eboostpartners.com/resources/church-nonprofit-guide/sba-loans-nonprofits/): Can a church get an SBA loan for a daycare center?Potentially yes - if the daycare center is organized as a separate for-profit entity (LLC or corporation) affiliated with but legally distinct from the church. The for-profit daycare entity could apply for SBA 7(a) financing for equipment, leasehold improvements, or working capital. The church itself, as a nonprofit, cannot be the borrower. This structure requires legal separation, separate EIN, separate bank accounts, and the daycare operating as a genuine for-profit business - not a ministry program of the church organized as nonprofit.What is the USDA Community Facilities program and how does a nonprofit apply?The USDA Community Facilities program provides direct loans, loan guarantees, and sometimes grants to essential community facilities in rural areas and communities under 50,000 population. Eligible nonprofits include healthcare organizations, educational institutions, social service providers, and public safety organizations. Applications are submitted through your state's USDA Rural Development office - not through a bank. The process is substantially longer than commercial lending (6–18 months for direct loans) but the below-market rates and 40-year terms make it worth pursuing for major capital projects. Contact your state's USDA RD office to verify your project and location are eligible before investing significant application time.How can a nonprofit build enough credit history to qualify for a loan?Start small and structured. Open a business credit card in the organization's name and use it responsibly for recurring operational expenses (utilities, subscriptions, supplies) - paying in full each month. Establish vendor credit accounts with net-30 terms. Apply for a small CDFI microloan ($10K–$25K) even if you don't urgently need the capital - successfully repaying it establishes a credit relationship and documented lending history. Maintain audited financials every year. Build unrestricted reserves to at least 2 months of operating budget before approaching larger lenders. Credit building for nonprofits takes 3–5 years of intentional effort - the same as for a startup for-profit business.
- [Nonprofit business loans: financing options for 501(c)(3) organizations](https://eboostpartners.com/resources/church-nonprofit-guide/nonprofit-business-loan/): Can a nonprofit get an SBA loan?No. The SBA's Standard Operating Procedure 50 10 6 explicitly states that nonprofits are ineligible for SBA 7(a) and 504 loans. Churches and faith-based organizations that are organized as for-profit entities (or that operate revenue-generating businesses) may qualify in some structures, but a standard 501(c)(3) nonprofit cannot access SBA lending programs. Alternatives include CDFI loans, USDA Community Facilities programs, state economic development programs, and community bank CRA loans.What revenue does a nonprofit need to qualify for a CDFI loan?CDFI loan requirements vary by institution, but most CDFIs want to see at least $200K–$500K in annual operating revenue for loans over $100K. More important than the revenue level is the organization's financial health indicators: reserve ratio, revenue diversification, budget-to-actual performance, and governance quality. Smaller CDFIs and microloan programs serve organizations with budgets as small as $50K–$100K for loans under $50K.Can a nonprofit use a loan for program expenses?Yes - loans can fund any legitimate organizational expense, including program costs, provided the loan is structured for an appropriate purpose (equipment, facility, working capital bridge) rather than as ongoing operating subsidy. Lenders assess whether there's a realistic repayment source. A nonprofit borrowing $100K for a capital purchase (equipment, renovation) and repaying from program fee revenue is a viable structure. A nonprofit borrowing to cover a funding gap with no clear repayment source is not.
- [Church loans: how faith-based organizations get financed and what lenders actually look for](https://eboostpartners.com/resources/church-nonprofit-guide/church-loans/): Can a church get an SBA loan?Generally, no. The SBA requires that borrowers operate for profit, and most churches are organized as nonprofits. There's also a constitutional concern: the SBA's ability to control how federal loan funds are used can conflict with the church's First Amendment protections around religious governance. In practice, SBA lenders routinely decline church applications for these reasons. Specialist ministry lenders - Guidestone Financial Resources, Interface Financial Group, Capital for Change, Investors Community Bank - are the appropriate channel for most faith-based borrowers.How does a church qualify for a construction loan?The core requirements are: three to five years of audited or reviewed financial statements showing consistent giving income, a DSCR of 1.25x or better on projected total debt service, a completed capital campaign (or at minimum a campaign in progress), preliminary architectural drawings and a contractor cost estimate, and a clear description of how permanent financing will be structured once construction is complete. Denomination affiliation and leadership tenure are evaluated informally. Construction loans typically convert to permanent financing within 12–24 months of the construction start date.What happens if a church defaults on its loan?A church default is a complicated situation for all parties. The lender holds a lien on the real property and can initiate foreclosure proceedings. However, First Amendment considerations limit how aggressively a lender can interfere with ongoing religious operations during a workout. In practice, most church lenders work hard to restructure loans rather than foreclose - the reputational and legal exposure of foreclosing on a congregation is significant. Churches in financial distress are typically better served by proactively approaching their lender to discuss a payment deferral, term extension, or loan modification than by waiting for the lender to act. Specialist lenders in this space have workout experience and prefer negotiated resolutions.
- [Church construction loans: building, renovation, and expansion financing](https://eboostpartners.com/resources/church-nonprofit-guide/church-construction-loans/): How much can a church borrow for a construction project?Most faith-based lenders cap church construction loans at 3–4× annual undesignated giving. A congregation with $600K in annual regular giving can typically borrow $1.8M–$2.4M for construction. Larger congregations with strong multi-year financial history and significant capital campaign proceeds can push toward $5M+ with specialty lenders. The practical ceiling is always what the regular giving stream can service - not what the building committee wants to build.What happens if construction costs come in over budget?Budget overruns during church construction are handled through the contingency reserve (5–10% of budget that should be included in the original loan request), a construction loan modification to increase the loan amount (requires lender approval and often additional capital campaign commitment), or value engineering (redesigning elements of the project to reduce cost). Congregations that build without adequate contingency reserves face the worst outcomes - a partially completed building with no path to completion financing.Can a small church (under 100 members) get a construction loan?Yes, but the loan amount will be limited by the congregation's giving capacity. A congregation of 80 families giving an average of $3,000/year has $240K in annual giving - supporting perhaps $600K–$800K in debt. For smaller congregations, USDA Community Facilities grants and loans (available in rural areas), state community development programs, and denominational building assistance funds may provide grant or low-interest capital that reduces the commercial loan requirement to a manageable level.
- [Tire shop business loans: inventory, equipment, and expansion financing](https://eboostpartners.com/resources/auto-repair-guide/tire-shop-business-loans/): Can I get a tire shop business loan if I'm just starting out?Yes - equipment financing is accessible for new tire shops with strong personal credit (660+), even without revenue history. You can finance tire changers, balancers, and lifts from day one. Distributor credit (net-30 terms for tire inventory) is often available from major distributors for authorized dealers regardless of business age. For working capital, you'll need 12 months of operating history before most lenders will consider an LOC. SBA microloans (up to $50K) through nonprofit intermediaries are an option for startups with limited capital and moderate credit.What is the typical profit margin for a tire shop?Retail tire margins run 15–35% gross depending on brand, competitive market, and whether you're price-matching. Service revenue (mounting, balancing, alignment, rotation) runs 50–70% gross margin. Most well-run tire shops target 8–12% net profit margin. Commercial tire accounts have lower per-tire margins (5–15%) but generate predictable volume. Lenders look at gross margin and EBITDA rather than revenue alone - a $600K revenue tire shop with 8% net margin produces $48K EBITDA, which supports approximately $12K–$15K in annual debt service (about 25–30% of EBITDA).Should I buy or lease my tire shop location?Owning makes sense for established operators in stable markets - you build equity, the property appreciates, and you eliminate lease renewal risk. Leasing makes sense when capital is better deployed in inventory and equipment, or when you're in a growth mode and may want a larger space in 3–5 years. For first-time tire shop buyers, leasing conserves capital for inventory and equipment - both of which directly drive revenue. If you do buy, SBA 504 offers excellent terms for commercial real estate with only 10% down. See the SBA 504 structure in our auto repair shop loans guide.
- [Mechanic shop equipment financing: lifts, diagnostics, and shop tools](https://eboostpartners.com/resources/auto-repair-guide/mechanic-shop-equipment-financing/): How much does it cost to fully equip a 4-bay auto repair shop?A complete 4-bay auto repair shop typically requires $80K–$200K in equipment depending on the services offered. Basic configuration (4 two-post lifts, tire changer/balancer set, diagnostic scanner, compressor) runs $60K–$110K. Adding alignment capability adds $25K–$50K. A full service shop with ADAS calibration, transmission service equipment, and a complete Snap-on or Mac tool set can push $200K+. Most shops phase purchases - starting with lifts and basic diagnostics, adding alignment and specialty equipment as revenue grows.Can I finance used mechanic shop equipment?Yes, with caveats. Equipment lenders finance used shop equipment up to approximately 10 years old. Beyond that, financing options narrow significantly. For used equipment, expect to pay 2–4% higher rates than new, and lenders may require a condition inspection on high-value items. Auction purchases (from closed shops) sometimes qualify if you can provide purchase documentation and basic condition information. Used lifts that pass inspection and are BendPak, Rotary, or Hunter brand hold value well and finance more easily than off-brand equipment.Should I lease or buy my mechanic shop equipment?Buy for long-life core equipment (lifts, alignment machines, compressors) - they last 15–20 years and ownership makes financial sense. Consider leasing for fast-depreciation technology (diagnostic scanners, ADAS calibration systems) that may become obsolete in 5–7 years. A $1 buyout lease gives you ownership economics with lease accounting treatment. An FMV (fair market value) lease gives you the option to upgrade at end of term - appropriate when you expect to replace rather than keep. Most shops use a mix: financed lifts, leased diagnostic technology.
- [Auto repair shop loans: how mechanics and shop owners get financed](https://eboostpartners.com/resources/auto-repair-guide/auto-repair-shop-loans/): Can I get an auto repair shop loan with no money down?In most cases, no - lenders expect some equity contribution to reduce their risk. SBA 7(a) loans typically require 10% down for acquisition financing when the business cash flow supports the deal. Startups and weaker credit profiles usually need 20–30% down. Equipment financing occasionally goes to 100% LTV on strong borrower profiles, but that's the exception rather than the rule.What do lenders look for when evaluating an auto repair shop?The short list: owner's credit score and time in trade, shop's documented cash flow (tax returns plus bank statements), lease terms, equipment condition and age, customer concentration, and for acquisitions, the shop's EBITDA relative to the purchase price. Lenders also want to see that the shop's revenue won't collapse when ownership changes - which is why buyer credentials and any existing staff or fleet relationships matter.Does a mechanic shop need collateral to get a loan?It depends on the loan type. Equipment financing is secured by the equipment itself. Commercial mortgage loans are secured by the property. SBA 7(a) loans are partially guaranteed by the SBA, which reduces the collateral requirement - lenders are required to take available collateral but can't decline a loan solely because collateral is insufficient if the rest of the file is strong. Unsecured working capital loans exist but come with higher rates and shorter terms. See our guide on unsecured business loans for more on how those are structured.
- [Auto repair shop working capital: financing cash flow gaps for mechanics](https://eboostpartners.com/resources/auto-repair-guide/auto-repair-working-capital/): How much working capital does an auto repair shop need?A useful benchmark: your working capital facility should cover 60–90 days of parts purchasing plus 30 days of payroll. For a shop spending $15K/month on parts and $12K/month on payroll, that suggests a $30K–$45K working capital facility as a minimum. Shops with significant fleet billing (30+ day collection cycles) or insurance work (21–45 day payment) need proportionally more to bridge the gap between work completion and collection.Is a business line of credit or MCA better for an auto repair shop?A business line of credit is almost always better for auto repair. MCAs take a fixed daily ACH withdrawal regardless of revenue - which conflicts with the parts-before-payment cycle. If you have a slow week with only $8K in collections but $3K/day is being withdrawn via MCA, you're being drained faster than you're collecting. A LOC charges interest only on drawn balances, has no daily withdrawal drain, and revolves as you repay. MCA is a last resort for auto repair shops - not a standard working capital tool.How does fleet billing affect my working capital needs?Fleet accounts (municipal vehicles, delivery fleets, transportation companies) pay on NET-30 or NET-60 terms. This means the labor and parts costs you incur completing fleet work in January don't produce cash until February or March. A shop billing $20K/month to fleet accounts is always carrying $40K–$60K in outstanding receivables at any time. Your working capital facility needs to be sized to bridge this gap. Invoice factoring is particularly effective here - converting fleet invoices to immediate cash at 1.5–4% per 30 days rather than waiting for government or corporate payment cycles.
- [Veterinary practice loans: how vets get funded and what lenders actually review](https://eboostpartners.com/resources/veterinary-practice-guide/veterinary-practice-loans/): Can a new veterinarian get a practice acquisition loan?Yes - specialty lenders like Provide and Live Oak regularly finance recent DVM graduates buying established practices.They underwrite based on the practice's historical cash flow, not just the borrower's personal income.Having two to three years of associate experience is helpful, and a strong personal credit score (700+) matters.High student debt does not automatically disqualify you with these lenders - they model total debt load against projected owner income from the practice.How much does it cost to start a veterinary clinic?A full-service small animal clinic typically runs $500K–$1.5M to build out from scratch.That includes leasehold improvements, equipment (X-ray, ultrasound, surgical suite, dental unit), computers and practice management software, initial inventory, staffing costs, and three to six months of working capital.Emergency and specialty clinics cost more - specialized equipment and 24/7 staffing push startup costs toward the upper end and beyond. Lenders will want a detailed budget and signed vendor quotes before approving startup financing.Do vet practices qualify for SBA loans?Yes, and SBA 7(a) loans are an excellent fit for veterinary practice financing. Vet clinics qualify as eligible small businesses, and SBA lenders familiar with professional healthcare practices can move the process efficiently. SBA 7(a) offers up to $5M with 25-year terms for real estate and 10-year terms for equipment and working capital.The main trade-off is time - SBA approvals typically take longer than specialty lender programs. For borrowers who need maximum leverage or very long repayment terms, SBA is often worth the wait.
- [Veterinary practice startup loans: what it costs, what lenders want, and how to borrow right](https://eboostpartners.com/resources/veterinary-practice-guide/vet-startup-loans/): How much does it cost to start a veterinary practice from scratch?Plan for $400,000–$1.5 million total, depending on market, facility size, and equipment scope. A modest 3-exam-room clinic in a leased suburban strip center might come in at $450,000–$650,000 all-in.A purpose-built 6-exam-room practice in a higher-cost market with a full imaging suite and in-house laboratory can exceed $1.2 million.The three major cost buckets: leasehold build-out ($150K–$500K), equipment ($150K–$400K), and working capital reserves ($50K–$150K). Don't underestimate the third bucket - it's what keeps you operational during the 9–18 month ramp-up to break-even.Can I get a startup vet practice loan right out of veterinary school?Yes, though it's more challenging than qualifying with 2+ years of associate experience behind you. New grads who succeed in getting startup financing typically have: a credit score of 720+, a well-developed business plan with strong market support, a specific and realistic location and facility plan, and a mentor or advisor relationship that demonstrates practice management awareness.Some lenders (CenterOne, in particular) are specifically designed to work with newer veterinarians. Having an experienced office manager or practice consultant engaged early in the process also signals to lenders that you're not going in blind.Realistically, you should plan for 6–12 months of preparation and relationship-building with lenders before you need the money.How does student loan debt affect my ability to get a practice loan?Less than most new vets fear - if you're working with a specialized lender. Standard DTI calculations that use your full student loan balance as the monthly obligation can make a $250,000 student debt load look disqualifying.Specialized vet lenders know that most DVM borrowers are on income-driven repayment (IDR) plans, and they use your actual IDR payment in the debt-to-income calculation - not a hypothetical payment based on the full balance. If your IDR payment is $400/month rather than $2,800/month on standard repayment, that's a completely different debt picture.Make sure your student loans are enrolled in an IDR plan before you apply, and document your current monthly payment clearly.That single step can be the difference between approval and decline at a generic lender - and it's largely a non-issue at a lender that specializes in professional practice financing.
- [Veterinary equipment financing: loans, leases, and the Section 179 advantage](https://eboostpartners.com/resources/veterinary-practice-guide/vet-equipment-financing/): Should I lease or buy veterinary equipment?It depends on the equipment type and your tax situation. Buy (equipment loan) when useful life exceeds seven years and the technology is stable - surgical tables, autoclaves, dental units. Lease when technology evolves quickly (digital imaging) or when preserving monthly cash flow outweighs the ownership benefit.The $1 buyout lease is a middle path worth considering for most mid-range purchases. Always run the Section 179 math before defaulting to a lease for tax reasons - in many cases, buying and taking the full deduction in year one beats a lease structure on a total-cost basis.Can I bundle equipment costs with practice build-out costs?Sometimes, but with caveats. Most equipment lenders want the collateral to be the equipment itself - they price and underwrite it that way. Leasehold improvements are a separate collateral category and typically require a different financing product.Some lenders will bundle a modest build-out into an equipment deal, but the terms are usually less favorable than structuring two clean deals: one equipment loan and one leasehold improvement or SBA-backed construction loan.If you're building out a new space and equipping it simultaneously, talk to us before you structure anything - the right sequencing matters.How does Section 179 work for veterinary equipment purchases?Section 179 lets you deduct the full cost of qualifying equipment in the year it's placed in service, rather than depreciating it over five to seven years. The 2024 limit is $1.16 million.You can claim it even if you financed the equipment - you don't need to have paid cash. For a vet in a high income bracket, $150,000 in surgical equipment could generate $50,000–$60,000 in federal tax savings in year one alone.Bonus depreciation (separate from Section 179) is another layer worth discussing with your CPA. The bottom line: the tax treatment of equipment purchases significantly affects the real cost, and most vets aren't optimizing for it.
- [How to buy a veterinary practice: valuation, financing, and what lenders actually look at](https://eboostpartners.com/resources/veterinary-practice-guide/buy-veterinary-practice/): Can a new graduate buy a veterinary practice?Yes, though it's more challenging than buying after a few years of associate experience. Specialized lenders like Provide are specifically designed to work with newer veterinarians who don't yet have an established business track record.What matters most: your personal credit (720+ is ideal), a solid personal financial statement, and demonstrating that you understand the practice you're buying - its client base, its financials, its staff. Having 1–2 years of associate experience in a similar practice type strengthens the application significantly.New grads with strong credit and no major financial blemishes have successfully financed acquisitions in the $400K–$700K range through SBA-backed programs.How do I value a veterinary practice I want to buy?There are three methods in common use. The EBITDA multiple approach (3–5x for general practices, 4–7x for specialty or emergency) is what most professional practice lenders use to sanity-check purchase prices. The revenue-based method values practices at 60–90% of annual gross revenue - useful as a quick benchmark.The asset-based method (equipment plus accounts receivable minus liabilities) rarely stands alone for an operating practice because it ignores goodwill entirely. Most transactions use an EBITDA multiple as the primary method, checked against revenue-based benchmarks.For practices with unusual economics - single-doctor, heavy real estate, declining revenue - consider commissioning an independent third-party appraisal from a firm that specializes in veterinary practice valuation. The $3,000–$5,000 cost is cheap compared to overpaying by $100,000.What is a realistic timeline from offer to funded?Plan for 90–120 days from a signed letter of intent to funded deal. Due diligence typically runs 30–45 days. SBA lender underwriting and approval adds another 45–60 days from complete application.You can compress this somewhat if your financials are organized, the practice's records are clean, and you're working with a lender who specializes in vet deals and doesn't have a long queue.The deals that drag out past 120 days are almost always ones where due diligence revealed surprises - undisclosed liabilities, lease issues, equipment in worse condition than represented. Do thorough due diligence and your timeline becomes much more predictable.
- [Floor plan financing for auto dealers: how it works and how to get it](https://eboostpartners.com/resources/auto-dealership-guide/floor-plan-financing/): What is the typical interest rate on auto dealer floor plan financing?Most floor plan lines are priced as a floating rate tied to prime. OEM captive programs (Ford Motor Credit, GM Financial, Chrysler Capital) typically range from prime + 1.0% to prime + 2.0% for franchised dealers.Independent floor plan lenders like NextGear Capital and AFC typically price at prime + 2.0% to prime + 4.0% for used car and independent dealers. Interest accrues daily from the date the advance is funded.Some programs offer 30–60 day free flooring periods on new vehicles, which effectively reduces your cost on fast-moving inventory. Your actual rate depends on your credit profile, line size, relationship history, and the lender you're working with.Can a new dealership get floor plan financing?Yes, but the terms will reflect the limited track record. Companies like NextGear Capital and AFC regularly work with new or first-year dealers - they'll typically start with a smaller line ($200K–$500K) and a slightly higher rate than they'd offer an established dealer.Franchised new dealers going through an OEM franchise process are often onboarded directly into the captive program.For new independent dealers, the key is having your dealer license in hand, a solid personal credit score (680+), a legitimate physical location, and the right insurance in place. Having a clean application package ready before you approach lenders makes a significant difference in approval speed and terms.What happens if a car on floor plan gets stolen or damaged?This is exactly why floor plan lenders require dealers to carry open lot (dealer inventory) insurance and list the lender as loss payee. If a floored vehicle is stolen or totaled, the insurance claim pays the lender directly for the outstanding advance on that unit.The dealer's responsibility is to notify both the lender and their insurance company immediately - delays in reporting can create coverage disputes.If coverage is insufficient to pay off the advance in full (which can happen with older vehicles where the insurance payout is based on current market value rather than the original advance amount), the dealer is responsible for the shortfall.This is one reason lenders require your open lot coverage to stay current and adequate throughout the life of the floor plan agreement.
- [Used car dealer financing: floor plan, working capital, and BHPH funding](https://eboostpartners.com/resources/auto-dealership-guide/used-car-dealer-financing/): How do I get floor plan financing for my first dealership?Start with AFC (Automotive Finance Corporation) or NextGear Capital - both companies regularly work with new and first-year independent dealers.You'll need your state dealer license in hand, a legitimate physical location, open lot insurance, and a personal credit score of 680 or above. Initial line approvals for new dealers typically range from $200,000 to $500,000, with the opportunity to request increases after 6–12 months of clean payment history.Bring a complete documentation package to your first application: license, proof of location, insurance certificate, last two years of personal tax returns (if you have limited business history), and bank statements showing available capital. The cleaner your application, the faster and better the approval.What's the difference between BHPH financing and regular used car dealer financing?A standard independent used car dealer sells a vehicle and either receives cash or arranges third-party financing through a lender like Westlake Financial, Santander Consumer USA, or Credit Acceptance Corporation.The financing obligation transfers to that lender - the dealer's relationship with the buyer ends at sale. A Buy Here Pay Here (BHPH) dealer originates the installment contract in-house.The dealer acts as the lender, collecting payments directly from the buyer over time. This creates a portfolio of receivables that need their own financing - lenders like Interstate Capital will advance against that portfolio at a percentage of the outstanding principal.BHPH dealers therefore need both floor plan (to buy cars) and portfolio financing (to fund the contracts they're originating), which makes their capital structure more complex and requires lenders who specifically understand the subprime auto installment lending business.How much working capital does an independent used car dealer need?A practical starting point is 60–90 days of reconditioning and overhead costs. If you're selling 45 units per month and spending $800 per unit in reconditioning, that's $36,000 monthly in reconditioning alone.Add advertising (typically $5,000–$20,000 per month for a mid-size lot), payroll, insurance, and rent, and your monthly overhead might run $60,000–$100,000.A working capital line of $150,000–$300,000 is a reasonable target for an operation at that scale - enough to cover two to three months of operating expenses without relying on floor plan proceeds before sales close.Dealers who size their working capital line too small find themselves making bad decisions under cash pressure: rushing sales at the wrong price, skipping reconditioning, or falling behind on floor plan payoffs.
- [Working capital for auto dealers: loans, lines of credit, and how to qualify](https://eboostpartners.com/resources/auto-dealership-guide/auto-dealer-working-capital/): Can I use working capital financing to pay for vehicle reconditioning?Yes, and reconditioning is actually one of the best uses of a dealer working capital line of credit. Reconditioning costs are incurred before the vehicle is retail-ready and before it generates revenue - that timing gap is exactly what working capital financing is designed to bridge.Draw from your LOC to cover inspection, mechanical work, detailing, and any paint or bodywork; repay from the gross proceeds when the unit sells.The key is to track per-unit reconditioning costs carefully and include those costs in your pricing model so the reconditioning investment is generating measurable margin improvement.Dealers who treat reconditioning as a cost center without tracking its impact on retail pricing often undersize their working capital and end up cutting corners that hurt their sales velocity.What credit score do I need for a dealership working capital loan?For community bank lines of credit - the best option for established dealers - most lenders want to see a personal credit score of 680 or above for the principal(s).Some banks will go to 650 if the business financials are strong and the relationship history is solid. For SBA loans, 680 is also the general minimum, though some SBA lenders will consider lower scores with strong compensating factors.Online lenders like Bluevine and OnDeck will work with scores in the 600–650 range, though you'll pay a meaningful rate premium. If your personal credit is below 650, the priority should be addressing the factors dragging it down before applying - a few months of credit remediation can move the needle enough to access significantly better terms.The business credit profile matters too: clean floor plan payment history and consistent bank deposits are weighted heavily by dealer-focused lenders, sometimes offsetting a personal score that's on the margin.Should I get a line of credit or a term loan for my dealership?For most working capital needs - reconditioning, advertising, payroll, overhead - a revolving line of credit is the better structure. You borrow what you need when you need it, pay interest only on what's drawn, and the credit revolves as you repay.That flexibility matches the irregular cash demands of a dealership better than a term loan's fixed drawdown and repayment schedule.A term loan makes more sense when you have a specific, larger capital need with a defined use: building a service lane, buying a property, purchasing a batch of equipment. In that case, you know the amount upfront, you want long-term amortization, and you don't need the revolving feature.Many dealers end up using both: a revolving LOC for day-to-day working capital and a term loan (sometimes SBA-backed) for specific capital projects. If you're unsure which structure fits your situation, that's worth a conversation with a lender or broker who knows dealership finance before you apply.
- [Bridge loans for real estate investors: rates, structure, and when to use one](https://eboostpartners.com/resources/real-estate-investor-guide/bridge-loans/): What's the difference between a bridge loan and hard money?Bridge loans and hard money are both short-term, asset-backed financing products, but they differ in cost, speed, and credit requirements. Hard money lenders move faster (sometimes 3–5 days), require less credit scrutiny, but charge higher rates - typically 12–15% with 3–5 origination points.Bridge loans from institutional lenders like Kiavi or Lima One Capital are slower to close (7–15 days), require a stronger credit profile (620+), but offer lower rates (7–11%) and longer terms (up to 36 months).For most investors with decent credit and a deal that isn't ultra-urgent, bridge is the better economics. Hard money makes sense when speed is the only thing that matters or credit is below bridge lender minimums.Can you get a bridge loan with bad credit?Most institutional bridge lenders require at least a 620 credit score, and the better-priced programs start at 660. Below 620, your options shift to hard money lenders who focus almost entirely on the asset rather than the borrower.Some private lenders will bridge deals with credit in the 580–620 range if the LTV is conservative (under 65% of ARV) and the borrower has a strong track record or experienced co-borrower.But in my experience, the real answer is this: below 600 credit, you're paying hard money rates regardless of what the product is called.What happens if my bridge loan matures before I'm ready to refinance?This is the maturity risk that every bridge borrower needs a plan for. Most lenders offer extension options - typically 3–6 months - for a fee (usually 0.5–1% of the outstanding balance) and sometimes a rate adjustment.If the property is performing and there's a credible exit in sight, most lenders will extend rather than force a default. Where it gets difficult is when the property isn't stabilized, the ARV hasn't been achieved, or the borrower has no clear refinance path.The best protection is to take a longer initial term than you think you need, negotiate an extension option at the time of origination, and build your exit strategy around conservative numbers so you're not depending on a perfect outcome to pay off on time.
- [Cross-collateralization in business lending: risks, dragnet clauses, and how to negotiate](https://eboostpartners.com/resources/business-credit-guide/cross-collateralization/): Does the SBA always require cross-collateralization?The SBA requires lenders to take all available collateral to fully secure any 7(a) loan - this is written into SBA SOP 50 10. For loans under $500K, the SBA does not require lenders to take personal real estate as collateral, though individual lenders may still do so.For loans above $500K, the lender must take business assets first, and if those fall short, must collateralize personal real estate. This isn't cross-collateralization in the strict dragnet-clause sense - it's a collateral sequencing requirement.However, if the lender bundles your SBA loan together with other existing obligations under a dragnet clause in their standard documents, that's where the cross-collateral risk compounds.Always review both the SBA loan agreement and the lender's standard security agreement separately.How do I remove cross-collateral from an existing loan?Removing cross-collateral from an existing loan requires negotiating a collateral release or carve-out with the original lender - and they're under no obligation to agree if you're current on all obligations.The most effective lever is refinancing the entire relationship elsewhere: pay off all loans at the existing institution, get UCC termination statements filed, and rebuild your credit facilities with better-structured documents at a new lender.Partial removal - releasing one specific asset from a cross-pledge - sometimes works when you can show the lender their remaining collateral position is adequate to secure the outstanding balance.Expect legal fees ($2K–$8K) and a formal appraisal on any real property involved. It's a process, and lenders move slowly on it because there's no urgency for them.What is a dragnet clause in a business loan?A dragnet clause is loan agreement language that extends the security interest on pledged collateral to cover all present and future obligations the borrower has with the lender - not just the specific loan being documented.The name comes from the idea that the clause "drags" all obligations under the same collateral net. A typical dragnet clause reads something like: "The collateral described herein shall secure, in addition to this agreement, any and all other liabilities and obligations of Borrower to Lender, whether now existing or hereafter arising." If you see language like this in a security agreement, treat every future borrowing at that institution as part of the same collateral pool.The practical implication: even after you pay off a specific loan, the collateral remains pledged as long as any other obligation - a credit card, a line of credit, even a guarantee - remains open at that bank.
- [Balloon loans and balloon payments: how they work in business financing](https://eboostpartners.com/resources/business-credit-guide/balloon-loans/): What happens if I can't pay my balloon payment?If you can't make the balloon payment and can't refinance, you're in default on the loan. For a real estate loan, this puts you at risk of foreclosure.The lender has the right to initiate foreclosure proceedings once you've missed the required payment and any applicable grace period has passed. The timeline varies by state and loan agreement.Most lenders would prefer not to go through foreclosure - it's expensive and time-consuming for them too - so many will engage in workout discussions if you're proactive.That might mean a short-term extension, a modified payment plan, or agreeing to a sale of the property. The critical thing is to not wait until the balloon date to surface the problem.If you see refinancing trouble on the horizon, start talking to lenders and your existing lender 12 to 18 months out.Are balloon loans available for small businesses?Yes. Balloon structures appear in several small business lending products. Commercial real estate loans for owner-occupied properties - common for small businesses buying their own space - often carry balloon terms of 5 to 10 years.Equipment financing occasionally uses balloon structures, where a residual payment at the end reflects the equipment's remaining value. SBA 504 loans, which are available to small businesses meeting SBA size standards, have the balloon risk in the bank's first mortgage portion.Some alternative lenders also use balloon structures on short-term business loans, though those are less common than in real estate.Whether a balloon loan is right for a small business depends on the same factors as for any borrower - do you have a credible exit or refinance plan, and can you absorb the risk if conditions aren't ideal when the balloon comes due?Can I refinance a balloon loan before the payment comes due?Yes, but check your prepayment penalty first. Many commercial balloon loans include prepayment penalties during the initial term - sometimes structured as a flat percentage (3%, 2%, 1% in years 1, 2, 3), sometimes as yield maintenance (compensating the lender for the difference between your rate and current market rates over the remaining term), and sometimes as defeasance (replacing the collateral with Treasury securities that match the expected payment stream).These penalties can be significant - sometimes tens of thousands of dollars on a large loan. Once you know the prepayment cost, compare it against the savings from refinancing at a lower rate.If rates have dropped substantially and you're past the penalty period, early refinancing often makes financial sense. If you're still in a penalty window, calculate the break-even carefully before proceeding.
- [UCC-1 filing: what it means for your business and your ability to get loans](https://eboostpartners.com/resources/business-credit-guide/ucc-1-filing/): Does a UCC-1 filing hurt my credit?A UCC-1 filing itself doesn't directly lower your credit score the way a missed payment does. It's a public record, not a credit event. However, it does show up on Dun & Bradstreet and Experian Business reports, and lenders reviewing your profile can see it.The practical effect is that active blanket liens reduce your attractiveness to new lenders - not because your score dropped, but because they can see a prior lender has a claim on your assets. Some credit scoring models do factor in the number of active liens as part of a risk assessment.How do I find out if there are UCC filings against my business?Search the UCC database in the state where your business is physically located - most secretary of state websites offer a free search. Use your exact legal business name. If your business is incorporated in Delaware but operates in Ohio, search both states.You can also pull a business credit report from Dun & Bradstreet or Experian Business, which will aggregate public filing data including UCC records. For a thorough multi-state search, commercial lien search services charge a fee but save time.Can I get a business loan if I already have a UCC-1 lien?It depends on the lien and the lender. A specific asset lien tied to equipment you're actively paying on usually won't block other financing - lenders expect those.A blanket lien from an MCA is more problematic. Most SBA lenders and traditional banks want first-lien position and won't lend behind a blanket lien.Alternative lenders are more flexible and may approve financing even with active liens, though the rates will reflect the additional risk. The cleanest approach is to clear any paid-off UCC-1 filings before applying. If you're not sure where you stand, understanding how MCAs and their lien structures work is a good starting point.
- [Leverage ratio: what it means, how lenders use it, and how to improve yours](https://eboostpartners.com/resources/business-credit-guide/leverage-ratio/): What leverage ratio do banks want to see?Most conventional banks prefer a debt-to-equity ratio between 1:1 and 2:1 for standard business term loans. Some will extend to 2.5:1 for businesses with strong cash flow, a long operating history, and solid collateral. SBA lenders generally allow up to 3:1, though the specific program and lender can affect that ceiling.Alternative lenders are significantly more flexible, often approving businesses with D/E ratios above 4:1 if the cash flow picture is strong enough. Keep in mind that these numbers are guidelines - individual underwriters look at the full picture, and industry context affects what's considered acceptable.Is a high leverage ratio always bad?Not always. Leverage is a tool. Using debt to fund productive assets - equipment that generates revenue, real estate that appreciates, inventory that turns - is how most businesses grow. A high leverage ratio is concerning when the debt isn't tied to productive assets, when cash flow is too tight to comfortably service it, or when there's no clear path to reducing it.Context matters a great deal. A 3:1 ratio in a capital-intensive business with predictable cash flows looks very different than the same ratio in a service business with no physical assets and volatile revenue.What I tell my clients is this: high leverage becomes a problem when it limits your options. If it's keeping you out of the financing you need, it needs to be addressed.How does leverage ratio affect my loan interest rate?Higher leverage typically means higher rates, for two reasons. First, lenders view heavily leveraged businesses as riskier borrowers - there's less equity cushion between current debt levels and insolvency.Second, a business with high existing debt often has less collateral available to pledge, which reduces the lender's security. Both factors push rates up. The effect is most pronounced in conventional bank lending, where pricing is often tied explicitly to financial ratios.SBA loans have more standardized rate structures (prime plus a spread), so leverage ratio affects your ability to qualify more than it affects the rate itself. With alternative lenders, the rate is often primarily driven by revenue and cash flow metrics, but high leverage is still factored into risk assessment.
- [DSCR loans: how debt service coverage ratio financing actually works](https://eboostpartners.com/resources/real-estate-investor-guide/dscr-loans/): What DSCR ratio do lenders require?Most DSCR lenders set the minimum at 1.25. That means the property's net operating income is 25% higher than the total debt service. Some portfolio lenders will go down to 1.0, but expect a higher rate or lower LTV at that level. A DSCR below 1.0 means the property can't cover its own debt - almost all lenders decline at that point, or require substantial cash reserves to compensate.Can I get a DSCR loan for a short-term rental property?Yes, but you need a lender with a specific STR program. Standard DSCR lenders will use long-term market rent to calculate the ratio, which typically understates what an Airbnb or VRBO property actually earns. STR-focused DSCR programs use AirDNA data or 12 months of verified rental history to project income. If you're buying in a strong short-term rental market, the income difference between these two approaches can be significant.What's the difference between a DSCR loan and a conventional mortgage?A conventional mortgage qualifies you based on your personal income - W-2s, tax returns, debt-to-income ratio. A DSCR loan qualifies based on the property's income relative to its debt. Conventional loans offer lower rates and require less down, but they cap out (Fannie Mae limits investors to 10 financed properties) and require income documentation that doesn't reflect how most investors actually operate. DSCR loans cost more but scale better for serious portfolio builders.
- [Fix and flip loans: how real estate investors fund rehab projects](https://eboostpartners.com/resources/real-estate-investor-guide/fix-and-flip-loans/): Do I need experience to get a fix and flip loan?No - but experience changes your terms. First-time flippers can absolutely get fix and flip financing. Expect a lower loan-to-ARV ratio (often 65% versus 70–75% for experienced investors), more documentation requirements, and closer scrutiny of your renovation budget and contractor.Some lenders require first-time investors to use a licensed general contractor rather than self-managing subcontractors.As you build a track record - even one or two completed flips - your options and leverage improve significantly.Does a fix and flip loan cover renovation costs?Yes, that's the defining feature of the product. The renovation budget is included in the loan, held in a controlled draw account, and released in stages as work is completed and inspected.Most programs cover 100% of the approved renovation budget, which means you're not bringing cash to fund the rehab - just the equity gap at purchase. The key word is "approved": the lender reviews and approves your renovation scope at origination.If you want to add scope or change the budget mid-project, you'll need to go back to the lender for an amendment, which isn't always possible.What happens if my project goes over budget?This is one of the most important questions to ask before you start. The short answer: it's your problem, not the lender's. The lender has committed to funding your approved budget and nothing more. If renovation costs exceed that number, you need to cover the difference out of pocket - or find a way to reduce scope to fit the remaining draws.In extreme cases, investors have had to seek emergency hard money second-position loans to complete projects, which adds cost and complexity. The practical lesson: build a 15–20% contingency into your budget from day one, and treat it as money you expect to use, not money you hope you don't need.
- [Hard money loans: how they work and when they’re the right move](https://eboostpartners.com/resources/real-estate-investor-guide/hard-money-loans/): What credit score do I need for a hard money loan?Hard money loans are the most credit-flexible real estate financing product available. Many lenders have no stated minimum, while others set a floor at 580 or 620. What matters much more is the deal - the property's value, your ARV estimate, and your exit strategy. That said, a credit score above 680 will get you better rates and LTV, even in hard money. Below 600, expect more scrutiny and potentially lower loan amounts.How fast can I close with a hard money loan?Fast. The realistic range is 5 to 14 business days when the borrower comes prepared - clear title, accurate property information, and a documented scope of work if it's a rehab deal. Some lenders can close in 3 to 5 days for straightforward transactions with experienced borrowers. Delays almost always come from the title company or from missing documents on the borrower's end, not the lender.What's the difference between hard money and private money?The terms are often used interchangeably, and there's legitimate overlap. Technically, hard money refers to loans made by organized private lending funds or specialty lenders - companies that do this professionally at scale.Private money more often refers to individual investors lending their own capital, sometimes a friend, family member, or high-net-worth individual who wants a secured return.Private money loans can be more flexible on terms but less reliable on speed and process. Hard money lenders have standardized procedures and can move more predictably. In practice, what matters is the rate, LTV, and how professional the lender's process is.
- [Auto dealership loans: how car dealers get financed and what lenders actually review](https://eboostpartners.com/resources/auto-dealership-guide/auto-dealership-loans/): Can I get an auto dealership loan with bad credit?It depends on the loan type and how bad "bad" is. For SBA acquisition financing, most lenders want 680+ and will struggle below 650. For floor plan financing from independent lenders, there's more flexibility if the business has strong unit volume and clean inventory management - some floor plan lenders will approve dealers with scores in the 620 to 650 range if the business profile is solid. If you have a 580 personal score, most conventional dealership lending is closed off, but there are BHPH-focused floor plan lenders and some asset-based options depending on what collateral you can bring. Business loans for bad credit cover the broader options available below standard credit thresholds.What is floor plan financing and do I need it?Floor plan financing is a revolving credit line secured by your vehicle inventory. The lender advances funds when you purchase vehicles and the line gets paid down as each car sells. If you're holding more than a handful of vehicles at any time, you need it - buying inventory out of pocket at scale isn't viable. For franchise dealers, it's essentially mandatory; the OEM captive programs are integrated into how the manufacturer ships vehicles to the lot. For independent used car dealers, floor plan is what allows you to stock 30, 50, or 100 units without tying up all your cash in metal. The cost is the interest on outstanding balances, which needs to be factored into your gross profit per unit calculation.Does the SBA finance auto dealerships?Yes. SBA 7(a) loans are one of the most commonly used tools for dealership acquisition financing. The program allows up to $5 million, and SBA-preferred lenders can underwrite the deal with the government guarantee backing part of the risk - which is what allows them to take on the dealership-specific complexity that conventional banks avoid.SBA works best for acquisition, real estate purchase, and startup capital. It's not used for floor plan financing (that's handled by dedicated floor plan lenders). For acquisitions, expect 10-year terms for business purchase and up to 25 years if real estate is part of the deal.The SBA also requires a personal guarantee from any owner with 20% or more equity in the dealership.
- [Business car loan: how vehicle financing under your LLC actually works](https://eboostpartners.com/resources/business-financing-guide/business-auto-loan/): Can an LLC get a car loan?Yes - an LLC can get a business car loan, and the vehicle can be titled in the company's name. The complication is that most lenders still require a personal guarantee from the LLC's owner, particularly if the business is less than two years old or hasn't established significant business credit.The loan is in the LLC's name, but you are personally on the hook if the business defaults. Exceptions exist: some lenders, including Ally Financial and select commercial vehicle lenders, offer financing in the business name only for established LLCs with strong revenue and business credit history.That's the goal, but it takes time to qualify for it. Buying the vehicle under the LLC still provides liability and tax benefits even with a personal guarantee attached to the note.Can I get a car loan with my EIN number only?Technically yes, but practically speaking it's rare for small businesses. Getting approved for a business auto loan based solely on your EIN and business credit - without providing your SSN or a personal guarantee - typically requires at least two to three years of business history, established business credit scores across multiple bureaus, and consistent revenue that supports the loan amount without needing the owner's personal financial strength as backup.For most businesses under five years old, lenders will pull personal credit and may require a personal guarantee even when the loan is titled to the business. The path to EIN-only financing is real but requires deliberately building business credit over time, not just having an EIN registered.Can I get a business auto loan without a personal guarantee?Yes - and this is more achievable with vehicle loans than with most other business financing types, because the vehicle itself provides clear collateral that reduces lender risk. Ally Financial explicitly offers no-personal-guarantee business vehicle financing for qualifying businesses.Other commercial vehicle lenders have similar programs. The typical threshold: two or more years in business, PAYDEX score of 75 or above, revenue of at least $150,000 to $200,000 annually, and no major derogatory items on the business credit report.If your business is newer or your business credit file is thin, the personal guarantee is almost certainly required - but setting yourself up to remove it in the future is a realistic medium-term goal.
- [How to Check Your Business Credit Score](https://eboostpartners.com/resources/business-financing-guide/how-to-check-business-credit-score/): Does my LLC have a credit score?Your LLC can have a business credit score, but only if you've actively established a credit file for it. Formation alone doesn't create a credit profile. To build one, your LLC needs a D-U-N-S number from Dun & Bradstreet, trade lines opened under its EIN (not your personal SSN), and vendors who report those payments to the credit bureaus.Many LLCs - even established ones - have no business credit file because the owner has been using personal credit or personal guarantees for all financing. If you're not sure whether your LLC has a file, check Nav or Dun & Bradstreet's free tool with your company's EIN and legal name.Does your EIN have a credit score?Your EIN is linked to your business credit file, but having an EIN doesn't automatically create a credit score.The EIN is the identifier - the credit profile is built separately through trade lines, vendor accounts, and financial activity reported to the business credit bureaus under that EIN.A brand-new EIN with no credit history has no score. An EIN with five years of trade payment history reported to Dun & Bradstreet and Experian will have scores at both bureaus.If lenders, vendors, or partners look up your EIN and find no file, that's a signal you haven't established business credit - not that your credit is bad, but that there's nothing to evaluate.How can I look up my business credit score for free?Nav is the most practical free option - it pulls business credit data from D&B and Experian and shows your scores in one place with no upfront cost.Dun & Bradstreet's CreditSignal (free registration) shows score movement trends, though the actual PAYDEX number requires a paid plan. Experian's small business portal offers a limited free report search.For a full picture - actual scores plus detailed report data from all three bureaus - you'll need to pay, either directly to each bureau or through a monitoring service like Nav's paid tier. Checking your own score through any of these methods has no impact on the score itself.
- [Are business loan tax deductible? What actually qualifies – and what doesn’t](https://eboostpartners.com/resources/business-financing-guide/business-loans-tax-deductible/): Can you claim a business loan on your taxes?You can't deduct the loan itself or the principal payments, but you can deduct the interest paid on a business loan as a business expense - provided the funds were used for legitimate business purposes.The loan proceeds are also not considered taxable income, so you don't report them as revenue when you receive them. What you're claiming on your return is the interest expense, not the borrowing itself.Can I write off my SBA loan payments?The interest portion of your SBA loan payments is fully deductible as a business expense under the same rules that apply to any other business loan - IRC Section 163.The principal repayment is not deductible. If the SBA covered a portion of your loan payments during a relief program (as it did during COVID-era programs), the portion the SBA paid on your behalf may not be deductible since you didn't actually pay it.Check with your accountant if you received SBA payment relief in prior years, as the treatment of those subsidized payments has specific guidance.If I loan my business money, is the interest tax deductible?Not in the way most people expect. If you lend money from your personal funds to your own business and charge it interest, the business can't deduct that interest payment the same way it would for a third-party lender - at least not without careful structuring.The IRS looks for a genuine arm's-length debtor-creditor relationship, proper promissory notes, a market-rate interest charge, and actual repayment. Done correctly with legal documentation and market-rate terms, the arrangement can work.Done informally, it's likely to be disallowed under audit. A related-party loan between an owner and their business has specific rules - run it by a CPA before assuming the deduction holds.
- [Collateral for business loans: what it is, what qualifies, and how much you need](https://eboostpartners.com/resources/business-financing-guide/business-loan-collateral/): Can I get a business loan without collateral?Yes, you can. This type of financing is typically called an unsecured business loan. In that case, lenders rely heavily on factors like your credit score, revenue history, and overall financial health. You often see higher interest rates and stricter approval standards, since the lender is taking more risk. Still, if your business is doing well and your credit record checks out, an unsecured loan might be an option.How much collateral do I need for a loan?There isn’t a one-size-fits-all requirement. Lenders usually focus on a loan-to-value (LTV) ratio - the percentage of the asset’s value they’re willing to lend. For instance, if your real estate is worth $100,000, a lender might let you borrow up to 80 percent of that value, depending on market conditions and your payment history. Equipment or vehicles may have a lower LTV ratio due to depreciation. It’s a good idea to talk with lenders in advance so you can gauge how they value your assets.What qualifies as collateral for a business loan?Most hard assets qualify: commercial or residential real estate, equipment and machinery, vehicles, inventory, accounts receivable, cash deposits, and investment accounts.Lenders prefer assets that are easy to value, hold their value over time, and can be liquidated quickly if needed.Real estate and cash are the strongest forms of collateral. Specialized equipment with a thin secondary market is the weakest. Intangible assets like patents or trademarks are rarely accepted as primary collateral but may be included under a blanket lien.Some lenders also accept LLC membership interests - your ownership stake in the business - as a form of collateral, though this is less common and more complex to structure.Can I use my LLC as collateral for a loan?A lender can take a security interest in your LLC membership interests - essentially the economic value of your ownership stake in the business. This means if you default, the lender could potentially claim your ownership position and either operate the business or force a sale of your interest to recover funds.It's not a common structure for standard small business loans, but it does happen in acquisition financing, partner buyouts, and certain private lending arrangements.More commonly, lenders take a security interest in the assets owned by the LLC - equipment, real estate, receivables - rather than the membership interests themselves.Both approaches are legally distinct and have different practical implications for how control of the business could change in a default scenario.Do I need collateral for an SBA loan?For SBA loans at or below $50,000, the SBA does not require lenders to take collateral - though individual lenders may still ask for it. For loans above $50,000, the SBA requires lenders to collateralize to the extent that available business and personal assets allow.This means the lender must take available collateral even if it doesn't fully cover the loan amount - it doesn't mean the loan is denied for insufficient collateral. Personal real estate is often required when business assets fall short of the loan balance.SBA 7(a) loans also universally require a personal guarantee from any owner with 20% or more equity in the business, regardless of collateral position.
- [What is working capital management? WCM Definition, metrics & strategies](https://eboostpartners.com/resources/working-capital-guide/working-capital-management/): Do startups need working capital management? Yes, startups need to manage their working capital well. As soon as you start investing in resources and selling products or services to customers, you’ve started your working capital cycle. When you manage your working capital cycle efficiently, the investors who backed your startup will be pleased too.Can poor working capital management lead to business failure?Absolutely. A business can be profitable on paper but still fail if it can’t pay its bills when they’re due. Delayed customer payments, too much inventory, or runaway expenses can all starve a company of the cash it needs to operate. It’s like having a car with a leaky fuel tank - you might have a powerful engine, but without enough gas, you won’t get far.What industries require strict working capital management?While every industry benefits from stable short-term finances, certain sectors rely on it even more. Retailers that carry large inventories must watch their stock turnover carefully. Construction firms often deal with long project timelines and staggered payments. Seasonal businesses, like holiday shops or summer attractions, face big swings in income and need to plan meticulously. In all these cases, a few months of poor management can have an outsized impact.What are the 5 elements of working capital management?While frameworks vary, the five elements that drive real outcomes are: cash management (timing inflows against outflows so obligations are always covered), accounts receivable management (accelerating collections and monitoring DSO), inventory management (keeping stock lean using DIO and velocity data), accounts payable management (timing outgoing payments to maximize float through DPO), and short-term financing (using credit tools like lines of credit or invoice factoring to bridge planned gaps). That fifth element - financing - is the one most academic frameworks leave out. But it's real.Sometimes the operational discipline is tight and you still hit a timing mismatch because a major client is 22 days late. That's what working capital credit facilities exist to solve.What is a real life example of working capital management?The HVAC contractor from earlier is a good one. He was generating $3.2M in annual revenue and couldn't make September payroll - not because the business was struggling, but because $480,000 in legitimate receivables hadn't cleared yet.By shortening his invoice follow-up cycle (reaching out at day 20 instead of day 35), renegotiating two supplier agreements from Net 30 to Net 45, and setting up a revolving credit line to cover planned gap months, he eliminated the cash crunch within two quarters.His cash conversion cycle dropped by 18 days, freeing roughly $85,000 in working capital without any new long-term borrowing. The business didn't change - the timing did.
- [How much working capital does a business need? (Simple guide)](https://eboostpartners.com/resources/working-capital-guide/how-much-working-capital-do-i-need/): What is a good working capital amount?A good amount covers your short-term liabilities and leaves a buffer for emergencies. Express this as a current ratio between 1.2 and 2.0. In raw numbers, aim for three to six months of operating expenses.How do I determine how much working capital I need?List all current assets. List all current liabilities. Subtract liabilities from assets. Calculate your monthly operating expenses. Your goal should equal three months of those expenses in positive cash flow.How much working capital do you need?You need enough to sleep at night without worrying about payroll. For most established companies, having $1.50 in current assets for every $1.00 in current liabilities is the gold standard.Is it better to have high or low NWC?Higher Net Working Capital is generally better. It signals financial stability. Excessively high NWC means you are leaving money sitting idle instead of investing it back into the company for growth.How much working capital should a small business have?A small business should have enough cash to survive a sudden drop in revenue. As outlined in our small business guide, I advise my clients to maintain 90 days of operating expenses in highly liquid assets.How much working capital should a company have on hand?This depends entirely on your industry and cash conversion cycle. A service company might comfortably hold one month of expenses. A manufacturer needs at least six months of cash to cover inventory production cycles.
- [Business loan vs. line of credit: Which is right for you?](https://eboostpartners.com/resources/business-line-of-credit-guide/business-line-of-credit-vs-loan/): Is a line of credit better than a business loan?It is better for managing day-to-day cash flow and unexpected emergencies. It is worse for financing large predictable purchases because the variable interest rates can become expensive over long periods.Which option is cheaper?A term loan usually offers lower interest rates than a line of credit. However, because you only pay interest on what you draw with a line, the total dollar amount paid to the bank might be lower depending on how you use the funds.Can I qualify for both?Yes. Many established businesses carry term loans for their physical assets and maintain active lines of credit for their operating expenses. Your combined debt obligations just need to fit within your overall cash flow capacity.What is easier to get?An online alternative lender can approve a small unsecured line of credit very quickly. However, a secured equipment loan from a traditional bank is often easier to underwrite because the physical machinery acts as hard collateral. For non-asset-based options, you can get unsecured business financing.Is it better to get a small business loan or a line of credit?If you need less than $50,000 to manage seasonal slumps, a line is almost always the better choice. If you need capital to completely renovate your retail space, a standard small business loan provides the necessary structure. You can learn more about what a small business loan is to ensure it fits your needs.
- [How Do Business Loans Work?](https://eboostpartners.com/resources/business-financing-guide/how-business-loans-work/): How do small business loans work in simple terms?You borrow money from a lender to grow or operate your company. You agree to pay back the original amount plus fees over a set schedule. The lender reviews your finances to decide if you qualify.How long does it take to get a business loan?It depends entirely on the lender. Online alternative lenders can deposit funds in 24 hours. A traditional bank often takes two to four weeks. SBA loans regularly take over two months to close.What is the easiest business loan to get?A merchant cash advance has the lowest barrier to entry. They require minimal paperwork and accept low credit scores. Equipment financing is also relatively easy because the machinery secures the debt.
- [Benefits of Small Business Loans](https://eboostpartners.com/resources/business-financing-guide/benefits-of-a-business-loan/): What are the main benefits of business loans?They provide immediate capital for growth. You keep total ownership of your company instead of selling equity. Consistent repayment also strengthens your commercial credit profile.Are business loans good for small businesses?Yes. They are an excellent tool for scaling operations. They only become dangerous if you borrow more than your cash flow can comfortably support.Do business loans affect credit?Yes. Lenders report your activity. On-time payments will boost your credit score significantly. Missing a payment will damage your score and hurt your chances of getting future financing.Can a business loan increase profits?Absolutely. If you borrow money from a bank at an 8% cost and use it to buy inventory that yields a 20% return, your overall profits increase. You leverage outside capital to generate wealth.
- [How to Get a Business Line of Credit](https://eboostpartners.com/resources/business-line-of-credit-guide/how-to-get-business-line-of-credit/): How hard is it to get a business line of credit?It is much easier now than it was ten years ago. Online lenders have lowered the barrier to entry significantly. If you have stable revenue and a pulse on your cash flow, securing a small limit is quite accessible.What credit score is needed?A traditional bank usually wants a 680 or higher. Many alternative online lenders will work with a score as low as 600. Your score directly impacts the cost of your capital.How fast can I get approved?Online alternative platforms often provide loan approval in a few hours. They can wire funds the same day or the next morning. A traditional bank typically takes two to four weeks to process a full application.Is a business line of credit better than a loan?It depends entirely on your need. A line is better for managing short-term cash flow gaps and unexpected emergencies. A standard loan is better for financing large, predictable, long-term expansion projects.Can you get a line of credit to start a business?It is extremely difficult. Lenders base their decisions on historical revenue. Startups have no history. You usually need to rely on personal credit cards, angel investors, or specific SBA microloans during your first year.How long do you need to be in business to get a line of credit?Most traditional banks demand two full years of operating history. Some aggressive online lenders will approve companies with only six months of verifiable revenue. Longer history always yields better terms.Is it hard to get a business line of credit?It is hard if your revenue is erratic or your personal credit is destroyed. It is relatively straightforward if you show consistent monthly deposits and maintain decent financial hygiene. Preparation is everything.What alternatives are there to a business line of credit?You can look into invoice factoring if you have unpaid B2B invoices. You can explore merchant cash advances if you process heavy credit card volume. You can also pursue a standard term loan or equipment financing depending on your goal.
- [How to establish business credit](https://eboostpartners.com/resources/business-financing-guide/establish-business-credit/): How do I establish business credit for the first time?You start by forming a legal entity, which eventually allows you to access the best business loans for LLCs, and getting an EIN. You open a dedicated checking account to separate your cash. Then you open net-30 accounts with vendors who report to commercial bureaus and pay those invoices early.How do I establish business credit with my EIN?You use your EIN on every application instead of your personal social security number. You provide it to vendors, banks, and credit card issuers. This ensures the payment data attaches to your company profile, not your personal file.How do I qualify for business credit?You need verifiable company revenue. Lenders want to see strong cash flow in your business bank account. You also need a clean personal credit score if you are a new company, as most early funding requires a personal guarantee.
- [The best alternatives to Kabbage small business loans](https://eboostpartners.com/resources/business-loan-alternatives/kabbage/): What replaced Kabbage loans?American Express bought Kabbage in 2021. They eventually rebranded the service as American Express Business Blueprint. The new platform only offers lines of credit up to $250,000. They completely eliminated traditional short-term business loans.What is the best alternative to Kabbage?eBoost Partners stands out as the best alternative. They offer larger funding amounts up to $2 million. They provide 24-month repayment terms. They underwrite based on actual business performance rather than strict credit scores alone.Are Kabbage alternatives cheaper?Alternative loans carry varying costs. Lenders like Bluevine offer competitive interest rates. Companies like OnDeck charge higher premiums for speed. You must thoroughly compare APRs directly to find the cheapest money for your business.Can I get funding faster than Kabbage?Yes. Lenders like Fundbox can approve lines of credit within hours. eBoost Partners and OnDeck can often fund term loans within 24 hours. The alternative lending space prioritizes speed above all else. You just need your recent bank statements ready.
- [Square Loans Alternatives: Business Funding Outside the Ecosystem](https://eboostpartners.com/resources/business-loan-alternatives/square-loans/): Can I apply to both eBoost Partners and Square Loans at the same time?If you have an active offer in your Square dashboard, yes, you can apply with eBoost Partners to compare the rates. Because eBoost does not perform a hard credit pull, checking your rate will not impact your credit score. However, you cannot proactively apply to Square if they have not extended an invitation.Can I have a Square Loan and an eBoost Partners loan simultaneously?Technically, yes, but it depends on the underwriting requirements of both companies. Square deducts directly from your point-of-sale revenue, while eBoost withdraws from your bank account. eBoost will evaluate your existing debt obligations (including Square) to ensure your business has enough cash flow to support additional financing. Generally, it is best to avoid stacking multiple short-term loans, but many businesses use different types of capital for different purposes.What happens to my Square Loan if I switch payment processors?Because Square Loans are repaid through automatic deductions from your daily Square card sales, switching away from Square affects the repayment mechanism. If your Square processing volume drops significantly or stops, you would still owe the remaining balance and fee but would lose the automatic, sales-linked repayment structure. With eBoost Partners, your financing is independent of your payment processor, so switching platforms has no impact on your funding.Which is better for a restaurant - eBoost Partners or Square Loans?It depends on the restaurant's situation. If the restaurant already runs on Square and needs a straightforward cash infusion under $250,000 with automatic repayment from daily sales, Square Loans is hard to beat for simplicity. But if the restaurant needs equipment financing, an SBA loan for a second location, a line of credit, or funding above $250,000, eBoost Partners offers products that Square does not. Many restaurants also use processors other than Square, in which case Square Loans is not available and eBoost is the clear path forward. For more tailored strategies, see our restaurant business guide.
- [Top Businessloans.com Alternatives & Competitors](https://eboostpartners.com/resources/business-loan-alternatives/businessloans-com/): Is Businessloans.com a direct lender?No. Businessloans.com is a lending marketplace. They do not lend their own money. They collect your application data and use it to match you with third-party lenders in their network, who then compete for your business. eBoost Partners operates as a direct funding provider.Which platform is faster?eBoost Partners advertises same-day funding decisions, and because it is a direct lender, that timeline is within its control. With Businessloans.com, speed depends on the matched lender. Some lenders in the network may move quickly; others may take several days. If speed is your top priority and you need a predictable timeline, eBoost's direct model has an advantage.Does Businessloans.com charge fees?Businessloans.com does not charge borrowers for its matching service. The platform earns revenue from the lender side. However, the lender you are matched with will have its own fee structure, including potential origination fees, closing costs, or other charges. Always review the full terms from the matched lender before accepting any offer.What if my business is less than one year old?If your business has been operating for at least six months, Businessloans.com can match you with lenders from its network. eBoost Partners requires a minimum of one year in business, so businesses under that threshold would not qualify with eBoost. Once your business crosses the one-year mark and meets the $5,000 per month revenue minimum, eBoost becomes an option as well.
- [Best LendingTree Alternatives (Without the Spam Calls)](https://eboostpartners.com/resources/business-loan-alternatives/lendingtree/): Does LendingTree actually fund the loans?No. LendingTree is a lead-generation marketplace. They do not lend their own money. They collect your application data and sell it to a network of partner lenders, who then contact you to offer financing.Why do I get so many calls after applying on LendingTree?Because your information is distributed to multiple lending partners simultaneously. Each of those partners wants to win your business, so their sales teams will contact you immediately. To avoid this, apply with a direct lender like eBoost Partners or a curated broker like Lendio, or explore our business financing guide for more secure funding strategies.Is it bad to apply to multiple business lenders?It depends on how they check your credit. If multiple lenders perform "hard" credit pulls, it can negatively impact your credit score. This is why applying with a direct lender that explicitly states they only do a "soft" pull during the application process (like eBoost Partners) is a safer way to check your rates.
- [Best Cardiff Alternatives for Same-Day Business Funding](https://eboostpartners.com/resources/business-loan-alternatives/cardiff/): Does eBoost Partners or Cardiff offer higher funding amounts?eBoost Partners offers funding from $2,000 up to $10 million, while Cardiff caps at $500,000. For businesses that need large-scale capital, eBoost provides a significantly higher ceiling.Does Cardiff perform a hard credit pull?Cardiff's application process typically involves a credit check, and applicants need a minimum credit score of 550. eBoost Partners does not perform a hard credit pull during its initial review, so applying will not affect your credit score.What is the difference between Cardiff's BBB accreditation rating and its customer review rating?Cardiff holds an A+ BBB accreditation, which reflects the business's responsiveness to complaints. However, its average customer review rating on the BBB platform is 1 out of 5 stars. Accreditation measures the company's relationship with the BBB, while reviews reflect individual customer experiences.Can I get funded the same day with both eBoost Partners and Cardiff?Yes. Both eBoost Partners and Cardiff advertise same-day funding capabilities. Actual funding timelines may vary depending on your application and how quickly you can provide required documentation. If you are facing a cash crunch and need immediate relief, you can apply for same day business loans directly with eBoost.Which lender is better for a newer business with less than one year of operations?Cardiff accepts businesses with as little as six months in operation, while eBoost Partners requires a minimum of one year. If your business is between six and twelve months old, Cardiff may be the only option of the two.
- [Mulligan Funding Alternatives: Compare Top Business Lenders](https://eboostpartners.com/resources/business-loan-alternatives/mulligan-funding/): Can I apply to both eBoost Partners and Mulligan Funding at the same time?Yes, and it is a smart way to compare your options. Since eBoost Partners does not perform a hard credit pull, applying there will not affect your credit score. Requesting offers from both lenders lets you compare actual terms - including rates, fees, and repayment structures - rather than relying solely on published qualification criteria. For business owners evaluating multiple online lenders, exploring top OnDeck alternatives can also provide valuable market perspective.Does Mulligan Funding offer SBA loans or equipment financing?No. As of 2026, Mulligan Funding specializes in working capital loans, merchant cash advances, and short-term business loans. If you need SBA-backed financing, equipment-specific funding, purchase order financing, or invoice factoring, you would need to work with a lender like eBoost Partners. To better navigate these distinct paths, review our complete business financing guide.Is Mulligan Funding a good choice for businesses with bad credit?Mulligan Funding has built its reputation around working with borrowers who have lower credit scores, reportedly accepting scores as low as 500 to 550. The lender focuses on business revenue and cash flow rather than relying solely on personal credit, which makes it one of the more accessible options in the alternative lending space for credit-challenged borrowers.How does eBoost Partners fund up to $10 million without a hard credit pull?eBoost Partners uses a revenue-based and business-performance-based underwriting approach for its initial evaluation, which does not require a hard credit inquiry. For larger funding amounts - particularly SBA loans and major equipment financing deals - additional documentation and underwriting steps may apply.Which lender is cheaper?There is no universal answer. Merchant cash advances and short-term working capital loans - Mulligan's core products - typically carry higher factor rates than longer-term products like SBA loans or equipment financing, which eBoost offers. The most reliable way to compare is to request offers from both lenders and evaluate the total cost of capital for your specific funding need.
- [Rapid Finance Alternatives: Smarter Capital for Your Business](https://eboostpartners.com/resources/business-loan-alternatives/rapid-finance/): Which lender has better rates - eBoost Partners or Rapid Finance?Neither lender publishes universal rate tables, as both price their capital based on risk. Your cost of capital with either lender will depend heavily on your borrower's credit profile, revenue, time in business, industry, and the specific product being offered. The only way to see your actual rates is to apply and receive a personalized quote. To better understand these factors, reviewing a comprehensive business financing guide can help you prepare before you apply.Does eBoost Partners offer merchant cash advances like Rapid Finance?eBoost Partners offers revenue-based financing, which shares structural similarities with merchant cash advances. However, Rapid Finance offers a dedicated MCA product with a longer track record in that segment. If a traditional MCA structure is what you need, Rapid Finance has more history with that product. If you are open to revenue-based financing as an alternative, eBoost is worth exploring.Which lender is better for a new business with limited credit history?eBoost Partners is the more accessible option for businesses with limited or poor credit, as they require no minimum credit score and perform no hard credit pull. However, if the business is less than a year old (but older than 6 months), Rapid Finance is the only option between the two, provided the owner has at least a 550 FICO score.
- [Best Biz2Credit Alternatives: Compare Business Funding Options](https://eboostpartners.com/resources/business-loan-alternatives/biz2credit-2/): Is Biz2Credit a direct lender?Biz2Credit acts primarily as a lending marketplace or broker. While they do manage some of their own funding vehicles, their core business model is matching borrowers with a network of third-party banks, credit unions, and alternative lenders. eBoost Partners operates as a direct funding provider.Can I apply to both eBoost Partners and Biz2Credit at the same time?Yes. eBoost Partners does not perform a hard credit pull during the application process, so checking your eligibility there will not affect your credit score. Biz2Credit typically performs a soft pull initially, though hard pulls may occur depending on which third-party lender you ultimately proceed with.Is eBoost Partners a good option if I have bad credit?eBoost Partners does not publish a minimum credit score requirement and focuses on business revenue and operational history rather than personal credit alone. This makes it a viable option for borrowers with lower credit scores who would not meet Biz2Credit's strict 660 FICO requirement.Which platform is faster?eBoost Partners generally offers a more predictable timeline with same-day decisions, because they control the entire underwriting process. Biz2Credit's speed can vary widely (from 24 hours to several weeks) depending on whether you are matched with an alternative lender or a traditional bank.
- [Top Fora Financial Alternatives for Small Business Owners](https://eboostpartners.com/resources/business-loan-alternatives/fora-financial/): Does Fora Financial offer lines of credit or equipment financing?No. As of 2026, Fora Financial focuses exclusively on short-term business loans and merchant cash advances. If you need a revolving line of credit, SBA-backed financing, equipment funding, or invoice factoring, you will need to apply with a lender like eBoost Partners. These options provide critical working capital for long-term growth.Can I apply to both eBoost Partners and Fora Financial at the same time?Yes. eBoost Partners does not perform a hard credit pull during the application process, so checking your eligibility there will not affect your credit score. Applying to both allows you to compare actual offers side by side.Is eBoost Partners a good option if I have bad credit?eBoost Partners does not publish a minimum credit score requirement and focuses on business revenue and operational history rather than personal credit alone. This makes it a viable option for borrowers with lower credit scores, though approval is never guaranteed.Which lender is cheaper?It depends entirely on your business profile, the product you choose, and your financials. Both provide customized quotes. Because eBoost offers multiple products and Fora focuses on short-term advances, direct comparisons vary case by case. The most reliable way to find the lowest cost is to request quotes from both and compare the terms.
- [Bluevine Alternatives: Funding Beyond Your Business Checking](https://eboostpartners.com/resources/business-loan-alternatives/bluevine/): Can I apply to both eBoost Partners and Bluevine at the same time?Yes. eBoost Partners does not perform a hard credit pull during the application process, so checking your eligibility there will not affect your credit score. Bluevine typically performs a soft pull to pre-qualify you, followed by a hard pull if you accept an offer.Does Bluevine offer SBA loans or equipment financing?No. As of March 2026, Bluevine's lending product is exclusively a revolving line of credit. If you need a lump-sum term loan, SBA-backed financing, equipment funding, or invoice factoring, you will need to apply with a lender like eBoost Partners.Is eBoost Partners a good option if I have bad credit?eBoost Partners does not publish a minimum credit score requirement and focuses on business revenue and operational history rather than personal credit alone. This makes it a viable option for borrowers with lower credit scores who would not meet Bluevine's 625 FICO requirement.Which lender is cheaper?It depends on the specific product, your credit profile, and your business financials. Because eBoost offers multiple products and Bluevine focuses on one, direct comparisons vary case by case. The most reliable way to find the lowest cost is to request quotes from both and compare the terms.
- [Fundbox Alternatives: Best Lines of Credit & Business Loans](https://eboostpartners.com/resources/business-loan-alternatives/fundbox/): Does Fundbox offer term loans or equipment financing?No. As of March 2026, Fundbox exclusively offers a revolving line of credit. If you need a lump-sum term loan, SBA-backed financing, equipment funding, or invoice factoring, you will need to apply with a lender like eBoost Partners.Can I apply to both eBoost Partners and Fundbox at the same time?Yes. Both eBoost Partners and Fundbox perform a soft credit pull during the initial application process, so checking your eligibility with both will not affect your credit score. (Note: Fundbox will perform a hard pull later if you choose to draw funds).Does Fundbox do a hard credit pull?Fundbox performs a soft credit pull when you initially apply to see if you qualify. However, if you are approved and decide to draw funds from your line of credit, Fundbox typically performs a hard credit inquiry at that time. eBoost Partners does not perform a hard credit pull.Which lender is better for a startup?Fundbox is more accessible for newer businesses, requiring only 6 months in operation and $30,000 in annual revenue. eBoost Partners requires a minimum of 1 year in business and $60,000 in annual revenue. If you are also evaluating other competitors, check out our breakdown of top OnDeck alternatives.
- [Best Credibly Alternatives for Fast Business Funding: eBoost vs. Credibly](https://eboostpartners.com/resources/business-loan-alternatives/credibly/): Can I apply to both eBoost Partners and Credibly at the same time?Yes. Since eBoost Partners does not perform a hard credit pull, applying there will not affect your credit score. Applying to both lets you compare actual offers side by side. Just be aware that accepting funding from both simultaneously means managing two separate repayment obligations.Does Credibly offer SBA loans or equipment financing?No. As of March 2026, Credibly focuses on working capital loans, business expansion loans, and merchant cash advances. If you need SBA-backed financing, equipment-specific funding, purchase order financing, or invoice factoring, you would need to work with a lender like eBoost Partners or review other Kapitus alternatives.Is eBoost Partners a good option if I have bad credit?eBoost Partners does not publish a minimum credit score requirement and does not perform a hard credit pull. The lender focuses on business revenue and operational history rather than personal credit alone. This makes it a viable option for borrowers with lower credit scores.Which lender is cheaper - eBoost Partners or Credibly?There is no universal answer. Costs depend on the product, loan amount, repayment term, and your business profile. Both provide customized quotes based on your specific situation. The most reliable way to compare is to request offers from both and evaluate the total cost of capital against common business financing standards, including all fees, for your specific funding need.
- [Best Kapitus Alternatives in 2026 (Faster, Lower Credit)](https://eboostpartners.com/resources/business-loan-alternatives/kapitus/): Can I apply to both eBoost Partners and Kapitus at the same time?Yes. Since eBoost Partners does not perform a hard credit pull, applying there will not affect your credit score. Kapitus may perform a hard pull, which can temporarily impact your score. Applying to both lets you compare actual offers side by side.Does switching from Kapitus affect my existing loan?No. Applying with another lender has no impact on an active Kapitus loan. However, if you are currently repaying a Kapitus loan, some alternative lenders may factor that existing debt obligation into their underwriting decision.Can I use a Kapitus alternative if I was denied by Kapitus?Yes. Each lender has its own underwriting criteria. A denial from Kapitus does not appear on your credit report as a negative mark. Lenders with lower credit requirements-such as Fora Financial (500) or eBoost Partners (no minimum)-may approve applicants that Kapitus turned down.Which lender is cheaper - eBoost Partners or Kapitus?There is no universal answer. Costs depend on the product, loan amount, repayment term, and your business profile. Reviewing a comprehensive business financing guide can help clarify these expenses. Both lenders provide customized quotes based on your specific situation. The most reliable way to compare is to request offers from both and evaluate the total cost of capital.
- [Top OnDeck Alternatives: Faster Funding & Better Terms (2026)](https://eboostpartners.com/resources/business-loan-alternatives/ondeck/): Does switching from OnDeck affect my existing loan?No. Applying with another lender has no impact on an active OnDeck loan. However, if you are currently repaying an OnDeck loan, some alternative lenders may factor that existing debt obligation into their underwriting decision. Be upfront about existing balances when applying elsewhere.Will I get a lower rate than OnDeck by switching?It depends on your credit profile, revenue, time in business, and the product type. Marketplace lenders like iAdvance Now and LendingTree may surface lower rates by having multiple lenders compete. Direct lenders like eBoost Partners or Fora Financial may offer different rate structures that are not directly comparable to OnDeck's APR-based pricing. Always compare the total cost of capital, not just the rate.Can I use an OnDeck alternative if I was denied by OnDeck?Yes. Each lender has its own underwriting criteria. A denial from OnDeck does not appear on your credit report as a negative mark (though the hard pull will show). Lenders with lower credit requirements — such as United Capital Source (475+), Fora Financial (500), or eBoost Partners (no minimum) — may approve applicants that OnDeck turned down.Can I apply to both eBoost Partners and OnDeck at the same time?Yes. Since eBoost Partners does not perform a hard credit pull, applying there will not affect your credit score. OnDeck may perform a soft pull initially and a hard pull upon final approval. Applying to both lets you compare actual offers side by side.Which lender is cheaper - eBoost Partners or OnDeck?There is no universal answer. Costs depend on the product, loan amount, repayment term, and your business profile. OnDeck publishes rate ranges on its website, giving you a preliminary cost estimate. eBoost provides customized quotes based on your specific situation. The most reliable way to compare is to request offers from both and evaluate the total cost of capital.What is the fastest OnDeck alternative?eBoost Partners and Cardiff both offer same-day funding for qualifying applicants. Kapitus, Crestmont Capital all advertise 24-hour funding. OnDeck itself typically funds in one business day, so most alternatives on this list match or beat that timeline.
- [How to Get a $200K Business Loan: Requirements, Options, and Approval Guide](https://eboostpartners.com/resources/loan-amounts-guide/how-to-get-a-200k-business-loan/): Is it hard to get a $200K business loan?It depends on the health of your business. If your revenue is strong and your bank statements are clean, securing the funds is manageable. Alternative lenders streamline the process, including the final paperwork. If your cash flow is erratic and your credit is poor, getting approved is difficult.What credit score is needed for a $200K business loan?Traditional banks demand a score of 680 or higher. Some SBA loans accept a 650. Alternative lenders focus primarily on your cash flow. They often approve applications with a score in the low 600s or high 500s.Can a startup get a $200K business loan?It is extremely difficult. Most lenders require at least six months to a year of operating history. A true startup with zero revenue almost never qualifies for an unsecured $200K loan. Startups usually rely on personal savings, friends, family, or an SBA microloan.How fast can I receive $200K funding?Alternative lenders like eBoost Partners often approve and fund you within 24 to 48 hours. Traditional banks take weeks. SBA loans take months.How easy is it to get a $200,000 business loan?It is easy if your financials are clean. Generating $2 million a year in revenue with great credit makes the process smooth. Generating only $150,000 a year makes a $200K loan virtually impossible. Lenders rely on math.How much to qualify for a 200K loan?Lenders generally want your annual revenue to be 7 to 10 times the loan amount. To qualify comfortably for a $200,000 loan, your business should generate between $1.4 million and $2 million in annual gross revenue.
- [How to Get a $100K Business Loan: Complete Guide for Small Businesses](https://eboostpartners.com/resources/loan-amounts-guide/how-to-get-a-100k-business-loan/): How hard is it to get a $100K business loan?Honestly? It depends entirely on the health of your business. If your revenue is strong, your bank statements are clean, and you have been operating for a few years, getting how hard is it to get a 100k business loan answered is easy - it’s not that hard at all. Alternative lenders have made the process incredibly streamlined. If your revenue is weak and your credit is poor, it will be an uphill battle.Can I get a $100K business loan with bad credit?Yes, you absolutely can. Traditional banks will say no, but alternative lenders look closely at your cash flow. If your business is generating high, consistent revenue every month, lenders will often overlook a bad personal credit score. You will just likely pay a higher rate for the money.Wait, what if my credit is really, really bad?I saw this question pop up twice in my notes, and it's a valid concern. If your credit is deeply damaged - like recent bankruptcies or massive defaults - an unsecured term loan will be tough. You might need to look at secured loans (where you put up real estate or heavy machinery as collateral) or revenue-based financing like an MCA, which cares almost exclusively about your daily sales volume rather than your FICO score.How fast can I get a $100K loan?Through an online lender like eBoost Partners, you can often get approved and funded within 24 to 48 hours. Traditional banks will take weeks, and SBA loans will take months.Do I need collateral?Not necessarily. Many online term loans and lines of credit are unsecured, meaning you don't have to pledge your house or your trucks to get the money. They rely on a general lien on your business assets and a personal guarantee instead.How much a month would a 100K business loan be?That depends entirely on your term length and interest rate. But remember, modern loans often skip the massive monthly payment. At eBoost Partners, we structure things with automatic daily or weekly payments. Let's say you take a $100,000 loan over a 12-month term, and the total payback amount is $115,000. Instead of writing a painful $9,500 check every month, a small, manageable amount - say, around $450 - is automatically deducted from your account each business day.
- [How to Secure a $500,000 Business Loan: Top Lenders](https://eboostpartners.com/resources/loan-amounts-guide/how-to-get-a-500k-business-loan/): How hard is it to get a $500K business loan?Honestly? It is challenging, but very doable if your numbers are right. If your revenue is strong (over $3.5M annually), your bank statements are clean, and you have been operating for a few years, getting approved is a straightforward process. However, if your cash flow is erratic, your business is new, and your credit is poor, it will be a very steep uphill battle. Lenders do not gamble with half a million dollars.What credit score is needed for a $500K business loan?To walk into a traditional neighborhood bank and get approved, you usually need a score of 700 or higher. Some SBA loans might accept a 680. But if you work with an alternative lender who focuses primarily on your daily cash flow and revenue, you can sometimes get approved with a score in the mid-600s.Can startups get a $500K business loan?It is extremely, incredibly difficult. Most commercial lenders require at least one to two years of operating history. A true startup with zero revenue will almost never qualify for an unsecured $500K loan. If you are a brand-new startup needing this kind of capital, you usually need to rely on venture capital, angel investors, or leveraging your own personal real estate.How much income do I need for a $500,000 business loan?As a general rule of thumb, lenders want your annual revenue to be roughly 7 to 10 times the loan amount. To qualify comfortably for a $500,000 loan without massive collateral, your business should ideally be generating between $3.5 million and $5 million in annual gross revenue.
- [Freight Broker Financing: How to Manage Cash Flow Delays](https://eboostpartners.com/resources/transportation-logistics-guide/freight-broker-financing/): What is freight broker financing?It is a specialized suite of commercial funding products designed specifically to bridge the cash flow gap inherent in the logistics industry. Because brokers must pay truck drivers quickly but wait weeks for corporate shippers to pay them, financing tools like invoice factoring and revolving lines of credit inject immediate working capital into the business to keep freight moving.How does freight factoring work for brokers?A broker sells their unpaid, verified shipper invoice to a financial factoring company at a slight discount. The factoring company advances the broker the majority of the cash immediately (usually 90% to 95%). The broker uses this cash to pay the motor carrier. Later, the shipper pays the full invoice amount directly to the factoring company, which keeps a small fee and returns any remaining reserve to the broker.Can new freight brokers qualify for financing?Yes, absolutely. While traditional neighborhood banks usually demand two or three years of operating history, alternative lenders and factoring companies are much more flexible. Because factoring relies heavily on the strong credit profile of the corporate shipper rather than the broker, even relatively new brokerages can secure funding to manage their early cash flow gaps.What is the biggest cash flow challenge for freight brokers?The primary challenge is the severe mismatch in payment expectations. Motor carriers have incredibly high daily operating costs (diesel fuel, insurance) and demand payment within 2 to 5 days. Corporate shippers operate on standard accounting cycles and usually take 30 to 60 days to pay an invoice. The broker is forced to float that massive sum of money, which rapidly drains their operating accounts as their business volume scales up.
- [How to Start a Trucking Company with No Money](https://eboostpartners.com/resources/transportation-logistics-guide/start-trucking-company-no-money/): Can you start a trucking company with no money?You cannot start with literally zero dollars due to mandatory government fees and insurance deposits. However, you can start with zero of your own out-of-pocket cash by using 100% equipment financing for the truck and a small business term loan to cover your initial operating capital and regulatory permits.How much does it cost to start a trucking business?If you are leasing a used truck, you can start a lean operation for roughly $15,000 to $25,000. This covers your insurance down payment, state plates, and initial working capital. If you are buying a truck outright without heavy financing, expect your startup costs to easily exceed $60,000 to $100,000.What licenses are required for a trucking business?At a minimum, you need a commercial driver's license (CDL), a USDOT number, an active Motor Carrier (MC) operating authority, a BOC-3 process agent filing, Unified Carrier Registration (UCR), and International Registration Plan (IRP) apportioned license plates.Is trucking a profitable business?Yes, it can be incredibly lucrative, but the profit margins are notoriously tight. A single owner-operator who manages their fuel efficiency, secures high-paying direct freight, and performs preventative maintenance can easily take home $80,000 to $120,000 a year in pure net profit.How to finance a trucking business?You finance the actual vehicle using specialized commercial equipment lenders or dealership financing. You finance your daily operations - like fuel, repairs, and insurance - using working capital term loans, business lines of credit, or invoice factoring companies.What credit score is needed for truck financing?To secure traditional commercial equipment financing with a low down payment, you generally need a personal FICO score of 680 or higher. If your score is in the low 600s, you will likely be forced to put down a massive 20% to 30% cash down payment to offset the lender's perceived risk.
- [Commercial Bridge Loans: How to Close Deals Faster](https://eboostpartners.com/resources/commercial-real-estate-guide/commercial-bridge-loans/): What is a commercial bridge loan used for?It is primarily used for the rapid acquisition of commercial real estate. Investors use this short-term capital to buy distressed properties, fund heavy renovations, save a property from imminent foreclosure, or quickly secure a building won at a fast-paced public auction. It buys the investor time to stabilize the asset before securing permanent financing.How fast can a bridge loan close?Because specialized alternative lenders focus almost entirely on the value of the physical real estate rather than the borrower's exhaustive personal tax history, a commercial bridge loan can often close and fund in just two to four weeks. In rare, highly urgent situations, they can sometimes close in just a few days.Are bridge loans expensive?Yes, they are significantly more expensive than traditional 20-year commercial mortgages. Because the lender is moving at lightning speed and taking on the heavy risk of a transitional property, they charge higher interest rates (typically 8% to 15%) and often require upfront origination points. However, the temporary high cost is usually offset by the massive profit generated by acquiring a deeply discounted property.Who typically uses bridge loans?They are used heavily by professional commercial real estate developers, property flippers, landlords looking to dramatically renovate and reposition an older apartment complex, and business owners who urgently need to buy their own operating facility but cannot wait 90 days for a traditional bank approval.
- [Types of Commercial Real Estate Loans for Business Owners](https://eboostpartners.com/resources/commercial-real-estate-guide/types-of-commercial-real-estate-loans/): What is the most common commercial real estate loan?For small to mid-sized business owners looking to occupy their own property, the SBA 504 loan and the SBA 7(a) loan are arguably the most common and popular options. Their low down payment requirements and long, 25-year repayment terms make commercial ownership accessible to companies that might not have a massive pile of liquid cash sitting around.How much down payment is required for commercial property?It depends entirely on the loan product. An SBA loan typically requires just a 10% down payment. A traditional bank commercial mortgage usually requires 20% to 25% down. Hard money loans or private bridge loans might require you to put down 30% or more.What credit score is needed for a commercial real estate loan?To walk into a traditional neighborhood bank and get approved for a commercial mortgage, you usually need a personal FICO score of 680 or higher. If you are applying for an SBA loan, 680 is generally the absolute minimum threshold, though many lenders prefer to see a score solidly over 700 to feel comfortable.Can startups get commercial real estate loans?It is extremely, incredibly difficult. Most commercial lenders require at least two to three full years of verifiable operating history and tax returns. A true startup with zero revenue history will almost never qualify for an unsecured commercial mortgage. If you are a brand-new startup, you usually need to rely on massive personal cash reserves or outside venture capital to buy property.What are the different types of commercial real estate loans?The primary types include government-backed SBA 7(a) and 504 loans, traditional bank mortgages, short-term bridge loans, private hard money loans, and commercial construction loans for ground-up development.
- [Unsecured Business Loans with No Personal Guarantee](https://eboostpartners.com/resources/business-financing-guide/no-personal-guarantee-business-loans/): Can you get a business loan with no personal guarantee?Yes, you absolutely can. However, traditional neighborhood banks rarely offer them. You must typically rely on alternative lenders, invoice factoring companies, or revenue-based financing platforms that judge risk based strictly on your corporate cash flow and B2B receivables rather than your personal credit profile.Are unsecured loans the same as no personal guarantee loans?No, they are completely different concepts. An unsecured loan simply means the lender does not require a specific physical asset (like commercial real estate or a heavy truck) as collateral. However, almost all unsecured commercial loans still require a personal guarantee. Finding a loan that is both unsecured and requires no PG is rare and difficult.Why do lenders require personal guarantees?Lenders demand them to pierce the corporate veil. An LLC or Corporation protects your personal assets if the business fails. The lender wants to bypass that legal protection. By forcing you to sign a personal guarantee, they ensure you have extreme motivation to pay the debt back, as your own personal home and savings are on the line.What businesses qualify for no-PG loans?Typically, businesses with exceptionally high annual revenue (often $3 million to $5 million or more), a long operating history, and spotless corporate credit profiles. Alternatively, B2B companies with massive, reliable outstanding invoices from highly creditworthy corporate clients can easily qualify for invoice factoring without a PG.Can I get a businesses loan with just my EIN number?It is extremely difficult. While your business has an Employer Identification Number (EIN), almost all commercial lenders - even alternative ones - will still require a personal guarantee unless you fit the very strict high-revenue criteria mentioned above. This means they will still check your personal Social Security Number and your personal credit history to approve the loan.
- [Business Loans for Sole Proprietorships: Funding Options Guide](https://eboostpartners.com/resources/business-financing-guide/sole-proprietorship-loans/): Can a sole proprietor get a business loan?Yes, absolutely. Being a sole proprietor does not disqualify you from commercial lending. Lenders look at your gross revenue, your personal credit score, and your cash flow history to determine your eligibility, rather than your specific legal structure.Do sole proprietors need an EIN to apply for a loan?An Employer Identification Number (EIN) is like a Social Security Number for your business. While you are technically allowed to use your personal Social Security Number as a sole proprietor, getting a free EIN from the IRS makes your business look much more professional to lenders. It also helps protect your identity. I highly recommend getting one before applying.What credit score is required for a sole proprietor loan?To walk into a traditional neighborhood bank and get approved, you usually need a personal score of 680 or higher. But if you work with an alternative lender who focuses primarily on your daily cash flow and revenue, you can sometimes get approved with a score in the low 600s.Can a new sole proprietorship get financing?It is extremely difficult if you literally just started working last week. Most commercial lenders require at least six months to a year of operating history. A true startup with zero revenue will almost never qualify for an unsecured term loan. If you are a brand-new startup, you usually need to rely on personal savings, friends and family, or leveraging personal assets.Can a sole proprietor get a small business loan?Yes. Small business loans for sole proprietors are very common, especially through alternative online lenders. As long as you have the cash flow to support the monthly payments, you can access term loans, lines of credit, and equipment financing.How to finance a sole proprietorship?Start by separating your personal and business bank accounts. Build your personal credit score. Keep immaculate accounting records. When you need capital, you can apply for a business line of credit for daily cash flow needs, or a fast term loan for larger, one-time investments.Can I get funding as a sole proprietor?Yes. As long as you can prove consistent revenue through your bank statements and tax returns, funding is readily available.
- [Best Business Loans for LLCs: Complete Financing Guide](https://eboostpartners.com/resources/business-financing-guide/llc-business-loans/): Can a new LLC get a business loan?Can a new LLC get a small business loan? It is extremely difficult if you literally just opened your doors. Most commercial lenders require at least six months to a year of operating history. A true startup with zero revenue will almost never qualify for an unsecured term loan. If you are a brand-new startup, you usually need to rely on personal savings, friends and family, or leveraging personal assets.What credit score is needed for an LLC business loan?To walk into a traditional neighborhood bank and get approved, you usually need a personal score of 680 or higher. But if you work with an alternative lender like eBoost Partners who focuses primarily on your daily cash flow and revenue, you can sometimes get approved with a score in the low 600s.Do LLC business loans require a personal guarantee?Yes, almost universally. Despite the limited liability protection your LLC provides, lenders want a secondary way to collect their funds if the business fails. A personal guarantee means you agree to be personally liable for the debt if the LLC defaults. It is very rare to find a small business loan that does not require one.How fast can an LLC get funded?Through an alternative lender like eBoost Partners, your LLC can often get approved and funded within 24 to 48 hours. Traditional banks will take several weeks, and government-backed SBA loans will take a few months.What loans do LLCs qualify for?LLCs qualify for almost every type of commercial financing available. This includes term loans, lines of credit, equipment financing, commercial real estate loans, SBA loans, and merchant cash advances. The specific type you qualify for depends heavily on your revenue and credit profile.Is it hard for an LLC to get a business loan?Honestly? It is challenging, but very doable if your numbers are right. If your revenue is strong, your bank statements are clean, and you have been operating for a few years, getting approved is a straightforward process. However, if your cash flow is erratic, your business is brand new, and your credit is poor, it will be a steep uphill battle.What are common LLC mistakes to avoid?The biggest mistake I see is commingling funds. Do not pay for your personal groceries out of your LLC business checking account. Keep your personal and business finances 100% separate. Underwriters hate messy bank statements. Another mistake is applying for too many loans at once, which can drag down your credit score with hard inquiries.
- [How to Get a Small Business Loan Without Collateral](https://eboostpartners.com/resources/business-financing-guide/how-to-get-business-loan-without-collateral/): Can I get a small business loan without collateral?Yes, absolutely. Unsecured business loans are highly prevalent in the alternative lending market. Lenders evaluate your risk based on your business’s daily cash flow, annual revenue, and operating history rather than demanding physical real estate or heavy equipment to back the debt.What credit score is needed for an unsecured business loan?To walk into a traditional neighborhood bank, you usually need a personal score of 680 or higher. But if you work with an alternative lender who focuses primarily on your daily cash flow and revenue, you can sometimes get approved with a score in the low 600s, provided your business bank deposits are consistently strong.Are unsecured business loans more expensive?Yes, generally speaking, they are more expensive than secured loans. Because the lender cannot legally repossess a physical asset if you default on the payments, they take on massive financial risk. They charge higher interest rates or factor fees to offset that increased vulnerability.How fast can I get a business loan without collateral?Through an online alternative lender like eBoost Partners, you can often get approved and funded within 24 to 48 hours. Because there is no property appraisal or lengthy collateral evaluation required, the underwriting process is entirely streamlined and digital.Can I get a loan with just my EIN number?It is extremely difficult. While your business has an Employer Identification Number (EIN), almost all commercial lenders - even unsecured ones - will still require a personal guarantee. This means they will check your personal Social Security Number and your personal credit history to approve the loan. Finding a true "no personal guarantee" loan requires millions of dollars in annual business revenue.
- [SBA Commercial Vehicle Loans: Financing Your Business Fleet](https://eboostpartners.com/resources/transportation-logistics-guide/sba-commercial-vehicle-loans/): Can SBA loans be used to buy commercial vehicles?Yes, absolutely. Buying commercial vehicles, heavy machinery, and specialized equipment are all considered perfectly acceptable, standard uses of SBA 7(a) and SBA Express loan funds. As long as the vehicle is essential to your revenue-generating operations, it is eligible.What credit score is needed for an SBA vehicle loan?Because traditional banks facilitate these loans, you usually need a strong personal credit profile. You should aim for a FICO score of 680 or higher to comfortably qualify. If your score is in the low 600s, you will likely need to explore alternative equipment financing options outside of the government programs.How long are SBA vehicle loan terms?For equipment and commercial vehicles, the SBA generally allows a maximum repayment term of up to 10 years. This long runway is why the monthly payments are so famously low compared to standard three-year or five-year conventional auto loans.Can I finance multiple vehicles with an SBA loan?Yes. If you need true SBA fleet financing, the 7(a) program is perfect. Because the loan limit is a massive $5 million, you can bundle the purchase of ten, twenty, or even fifty vehicles into a single loan application, provided your business revenue can easily support the massive monthly debt payment.Can you get an SBA loan for a vehicle if you are a startup?It is extremely difficult. Most commercial lenders processing these government guarantees require at least two full years of operating history. A true startup with zero revenue will almost never qualify for a standard 7(a) loan to buy a fleet. If you are a brand-new startup, you usually need to look into the smaller SBA Microloan program, or rely on leveraging your own personal savings and credit to get your first work truck.
- [Is a Small Business Loan Installment or Revolving Credit?](https://eboostpartners.com/resources/business-financing-guide/is-small-business-loan-installment-or-revolving/): A commercial credit card or a business line of credit is a revolving account. You must clarify which specific product the lender is offering you before you sign the contract.
- [What is a Small Business Loan?](https://eboostpartners.com/resources/business-financing-guide/what-is-small-business-loan/): What is the meaning of small business loan?A small business loan is a type of financing provided to small businesses to support their operations, growth, or other financial needs. These loans can be used for various purposes, such as purchasing equipment, hiring staff, managing cash flow, or expanding the business. Small business loans are offered by banks, credit unions, online lenders, and government-backed programs like those supported by the U.S. Small Business Administration (SBA). They typically have specific terms and repayment conditions tailored to the needs of small businesses.What is the SBA definition of a small business?The U.S. Small Business Administration (SBA) defines a small business as a business entity that is independently owned and operated, is organized for profit, and is not dominant in its field or industry. The specific size standards for a small business vary by industry and are typically based on the number of employees or annual revenue. For example, in manufacturing, a business may be considered small if it has fewer than 500 employees, while in retail, the threshold might be annual revenue below $8 million. The SBA size standards help determine eligibility for government-backed loans, contracts, and other programs.
- [How to Finance a Second Restaurant Location: A Guide for Owners](https://eboostpartners.com/resources/restaurant-business-guide/finance-second-restaurant-location/): Can I finance a second location with bad credit?Yes. Your first location's revenue is your strongest asset. If that business is healthy and generating consistent cash flow, lenders like eBoost Partners can often look past a low personal credit score. We fund the business, not just the borrower.How much funding can I qualify for?Typically, you can qualify for about 10% to 20% of your existing location's annual gross revenue. If Restaurant A does $1M a year, getting $100k to $200k for Restaurant B is standard. If you have collateral (like real estate), you can get more.How fast can I get funded?For alternative financing (term loans, revenue-based financing), the process is incredibly fast - often 24 to 48 hours. SBA loans take months. If you need to secure a lease quickly, alternative financing is the way to go.Can I use equipment financing only?You can, but it won't cover everything. Equipment loans only pay for the gear (ovens, fridges). They won't pay for the contractor to install the floor, the painter, the deposit, or the opening inventory. You usually need a mix of equipment financing and working capital.Is SBA financing better than alternative lending?"Better" depends on your timeline. SBA is cheaper (lower interest), but much harder to get and much slower. Alternative lending is faster and easier but costs more. Many owners use alternative lending to get the doors open and then refinance with an SBA loan a year later once the tax returns show the new location is profitable.
- [Bridging the Gap: Loans for Delayed Insurance Reimbursements](https://eboostpartners.com/resources/medical-business-guide/loans-delayed-insurance-reimbursements/): Are these loans based on insurance claims?Indirectly, yes. We look at your history of receiving these claims to determine how much you can afford to borrow. However, we typically don't "buy" the individual claims one by one (which is factoring). We lend against the overall revenue stream.How fast can funding happen?Very fast. Because we don't need to verify collateral like real estate, we can often approve and fund within 24 to 48 hours.Can startups qualify?It’s harder for brand-new practices because there is no history of insurance deposits. However, if you have some operational history (3-6 months) and can show pending claims, we may be able to help.Are these loans HIPAA-compliant?Yes. Reputable lenders structure the underwriting process so we never see Protected Health Information (PHI). We look at financial data (bank statements, aggregate aging reports), not patient medical records.Is this better than a traditional bank loan?It depends on your need. If you are buying a building, go to a bank. If you need working capital this week to make payroll because Aetna is late, a bridge loan is superior because of the speed and ease of approval.
- [Dental Practice Financing: Loans for Upgrades and Expansion](https://eboostpartners.com/resources/medical-business-guide/dental-practice-financing/): Can I finance dental equipment with bad credit?Yes. Dental equipment holds its value incredibly well. Lenders are often willing to finance it because, in the worst-case scenario, the resale market for dental chairs and X-rays is strong. Your practice's cash flow is more important than your credit score.How fast can funding be approved?With eBoost Partners, extremely fast. We can often get an approval in 24 hours. We know that if a chair goes down, you are losing hundreds of dollars an hour.Is leasing better than buying dental equipment?It depends. For high-tech items that become obsolete quickly (like digital scanners), leasing is often better. For durable goods that last 15 years (like patient chairs or cabinetry), buying with a loan is usually the smarter financial move.Can startups qualify for dental financing?It is harder, but possible. You will likely need a strong business plan and perhaps a personal guarantee. However, once you have 6 months of billing history, the doors open significantly.Are SBA loans worth it for dentists?If you are buying the real estate for your practice, yes, absolutely. The terms are unbeatable. But for buying a $30,000 piece of equipment or covering a payroll gap? No. The paperwork and timeline make it inefficient.
- [Medical Equipment Financing: Leasing vs. Buying MRI and Dental Chairs](https://eboostpartners.com/resources/medical-business-guide/medical-equipment-financing-leasing-vs-buying/): Is it better to lease or buy medical equipment?It depends on the equipment's lifespan. For high-tech items that depreciate quickly (MRI, ultrasound), leasing is often better to avoid obsolescence. For durable goods (exam tables, furniture), buying is usually more cost-effective in the long run.Can MRI machines be leased?Yes, and they are one of the most commonly leased items due to their high cost and rapid technological advancement. Leasing allows imaging centers to upgrade without a massive capital outlay.Can dental chairs be financed with bad credit?Yes. Since dental chairs are essential, durable equipment with good resale value, lenders are often willing to finance them even for dentists with less-than-perfect credit, provided the practice has strong cash flow.How fast can financing be approved?With alternative lenders like eBoost Partners, approval can happen in as little as 24 hours. We know that sometimes a machine breaks on Monday, and you need a replacement by Wednesday.Can used medical equipment be financed?Absolutely. Many practices save money by buying refurbished gear. As long as it is sold by a reputable vendor (not just some guy on eBay), we can typically finance it.What is the minimum credit score for Medical equipment financing?While 650+ is preferred for prime rates, we have programs for scores down to 550 if the business revenue is strong. The rate will be higher, but it gets the gear in your door.
- [Medical Practice Acquisition Loans: Buying an Existing Clinic](https://eboostpartners.com/resources/medical-business-guide/medical-practice-acquisition-loans/): Can I buy a medical practice with an SBA loan?Yes, it is the most common method for large acquisitions. However, it is slow. Many buyers use alternative financing for the down payment or working capital to speed up the process.How much down payment is required?For SBA loans, typically 10%. For conventional bank loans, it can be 20-30%. For alternative financing through Eboost, we can sometimes structure deals with creative collateral to minimize cash out of pocket.Can goodwill be financed?Absolutely. In a medical practice, goodwill is the main asset. Lenders who specialize in healthcare understand this and will lend against the patient list, not just the physical equipment.How long does funding take?It depends on the lender.Traditional Banks/SBA: 60 to 120 days.Alternative Lenders (Eboost): 24 hours to 7 days.Seller Financing: Immediate (upon agreement).Does the seller have to stay on after the sale?It is not legally required, but highly recommended. Lenders love to see a "transition period" where the seller works part-time to transfer trust to you. It protects the revenue stream.
- [Financing a Restaurant Renovation: ROI and Funding Options](https://eboostpartners.com/resources/restaurant-business-guide/financing-restaurant-renovation/): Can I finance a restaurant renovation with bad credit?Absolutely. Since renovations usually lead to higher revenue, lenders see the upside. If your daily sales are strong, we can look past a bruised credit score.How fast can renovation funding be approved?With eBoost Partners, very fast. We can often get you an approval within 24 hours and funding shortly after. We know you can’t keep a contractor waiting.Is renovation financing tax-deductible?Generally, the interest you pay on a business loan is tax-deductible. Also, the renovation itself may qualify for capital improvement depreciation. Always chat with your accountant about this.What’s the best loan for a restaurant remodel?It depends on the urgency. For a long-term, massive structural overhaul, an SBA loan might be best if you can wait. for a standard refresh (new furniture, floors, quick construction) where speed is key, a short-term working capital loan or line of credit is usually the superior choice.
- [Inventory Loans for Restaurants: Managing Food Cost Spikes](https://eboostpartners.com/resources/restaurant-business-guide/restaurant-inventory-loans/): Are inventory loans different from working capital loans?In the restaurant industry, they are often the same product. A "working capital loan" is the umbrella term; using it to buy inventory is just the purpose. Since food can't be easily used as collateral like a car or house, lenders rely on your cash flow (working capital) to underwrite the deal.Can I get an inventory loan with bad credit?Yes. Your sales history is more important. If you have been in business for at least 6 months and have consistent revenue, you are a strong candidate for alternative financing, even with a sub-600 credit score.Can inventory loans be used for alcohol purchases?Absolutely. In fact, this is one of the smartest uses of financing. Alcohol has a high upfront cost but a very high profit margin. Using a loan to buy a diverse liquor selection can significantly boost your bar revenue, easily covering the cost of the interest.How quickly can I get funded?With eBoost Partners, the process is streamlined. You can apply online, submit your bank statements, and often receive an offer the same day. Funding can hit your account in as little as 24 hours. We know that when the supply truck is at the back door, you can't wait for a bank committee meeting.
- [Restaurant Equipment Financing: Ovens, Fridges, and Hoods (Bad Credit OK)](https://eboostpartners.com/resources/restaurant-business-guide/restaurant-equipment-financing/): Can I finance restaurant equipment with bad credit?Yes. Because the equipment secures the loan, lenders are more lenient. At Eboost, we focus on your business revenue and cash flow rather than just your personal FICO score. If your restaurant is making money, we can likely find a solution.How hard is it to get equipment financing?It is generally easier than getting a standard bank loan. Banks want 3 years of tax returns and your firstborn child. Alternative lenders like eBoost Partners can often approve you in 24 to 48 hours with just bank statements and an invoice.How to get financing for a restaurant?Start by identifying exactly what you need. Get quotes from vendors. Then, approach a lender who understands the hospitality industry. You can apply directly through our contact page or submit an application online. We review your cash flow and give you options usually within a day.What happens if I can’t pay?Communication is vital. If you hit a slow month, talk to your lender. In a worst-case scenario, since the loan is secured by the equipment, the lender may repossess the item to recoup their losses. However, lenders want you to succeed - repossession is a hassle for everyone.
- [Flipping Houses vs. New Construction Loans: What’s the Difference?](https://eboostpartners.com/resources/construction-loan-guide/flipping-houses-vs-new-construction-loans/): Can I use a fix-and-flip loan for major renovations?Yes. In fact, that is where the money is. Adding a second story or blowing out the back of the house adds massive value. Just ensure your Scope of Work is detailed and approved by the lender.Do construction loans cover land purchase?Sometimes. We call this a "Land + Construction" loan. However, lenders typically want you to put down a significant down payment on the land (30-50%) to show you have "skin in the game." If you already own the land, you can often use the land's equity as your down payment.Which loan is cheaper?Generally, new construction loans have slightly lower rates because the asset (a new home) is considered "prime" inventory. However, the fees can be higher due to the complexity of draw inspections and fund control.Can beginners qualify?Yes, but do I need experience for a ground-up construction loan? Usually, lenders want to see at least one successful project. If you are a total rookie, you may need to partner with an experienced GC or accept a lower Loan-to-Cost ratio (meaning you bring more cash to the deal).How fast can I close?Speed is our specialty. While a bank might take 60 days to close a construction loan, alternative lenders like Eboost can often fund within 24 to 48 hours for flips and slightly longer for construction (due to title/permit checks).
- [Construction Payroll Financing: Covering Labor Costs Between Draws](https://eboostpartners.com/resources/construction-loan-guide/construction-payroll-financing/): Can payroll financing be used for union labor?Absolutely. In fact, it's critical for union shops because missing a benefit payment can trigger an audit or a work stoppage. We understand the urgency of union obligations.Do I need invoices to qualify?For factoring, yes. For a line of credit or working capital loan, no. We can lend based on your contract or historical revenue, allowing you to fund payroll before you invoice.Is payroll financing expensive?It depends on the product. A line of credit is usually the cheapest. Spot factoring or merchant cash advances are more expensive but faster. The cost should be viewed as "insurance" against losing your crew.Can subcontractors use payroll financing?Yes. Subcontractors (electricians, plumbers, drywallers) are our most common clients because they are often squeezed the hardest by GCs.How is it repaid?At Eboost, we typically use automatic weekly payments. This aligns perfectly with your payroll cycle. You pay your guys weekly; you pay back the loan weekly. It keeps your cash flow rhythm consistent.
- [Construction Mobilization Funding: How to Start Big Projects Without Cash](https://eboostpartners.com/resources/construction-loan-guide/contractor-mobilization-funding/): Do I need a signed contract to qualify?For contract financing, yes. For a general working capital loan or line of credit, no - we just look at your past revenue history.Can subcontractors get mobilization funding?Absolutely. Subcontractors are often the ones squeezed the hardest because they are further down the pay chain. We fund electricians, plumbers, HVAC, and site-work subs every day.Is mobilization funding expensive?It is more expensive than a bank loan, but cheaper than losing the job. If the financing costs $5,000 but allows you to land a project with $50,000 in profit, the ROI is clear.Can I use it for payroll and materials?Yes. Once the funds are in your account, they are yours to use as needed to get the job moving. If you need dedicated funding strictly for materials, you might also look into purchase order financing.How is it repaid?At Eboost, we typically use automatic daily or weekly payments. This prevents a massive lump sum from hitting your account at the end of the month, smoothing out your cash flow.
- [Financing Heavy Equipment: Lease vs. Loan for Contractors](https://eboostpartners.com/resources/construction-loan-guide/heavy-equipment-leasing-vs-loan/): Is it better to lease or finance heavy equipment?It depends on usage. Lease if you want new tech every 3 years or have project-specific needs. Finance (loan) if you plan to keep the machine for 5+ years and want to claim the Section 179 tax deduction.Can I finance used heavy equipment?Absolutely. Used equipment is the backbone of the industry. As long as the machine is in good working order and has a fair market value, we can finance it. This is often a smarter move than buying new, as you avoid the initial depreciation hit.Do leases require a down payment?Usually, no. Leases typically require just the first and last month’s payments upfront. This makes them excellent for preserving cash reserves.How fast can I get funded?With eBoost Partners, we operate at the speed of construction. We can often get you approved in 24 hours and funded shortly after. We know you can't keep a job site waiting.Is heavy equipment financing tax-deductible?Yes. With an equipment loan, you can often deduct the interest and use Section 179 to depreciate the entire cost in Year 1. With a lease, the monthly payments are typically 100% tax-deductible as operating expenses. Always check with your CPA.Can I get a loan for heavy equipment?Yes. Even if banks have said no, alternative lenders specialize in asset-backed equipment loans. The equipment itself secures the deal.How do people afford heavy equipment?Very few contractors pay cash. The vast majority use financing to break the cost down into manageable monthly (or daily/weekly) payments that are covered by the revenue the machine generates.Is equipment financing hard to get?It is generally easier than a standard business loan because of the collateral. If you have been in business for 6+ months and have steady revenue, your odds of approval are high.
- [Current Construction Loan Rates](https://eboostpartners.com/resources/construction-loan-guide/construction-loan-rates/): How do interest-only payments work?Interest-only payments allow borrowers to pay only the interest on their loan for a set period, typically during the construction phase. This can lower your monthly payments initially, but keep in mind that you will still owe the principal balance at the end of the interest-only period.Do first-time home buyers qualify for a construction loan?Yes, first-time home buyers can qualify for construction loans, but they need to meet certain criteria. Lenders usually look for a good credit history, stable income, and a low debt-to-income ratio, along with a down payment of around 20%. Talking with multiple lenders helps you explore the best terms.Are construction loan rates higher than other loan types?Construction loan rates can be higher than traditional mortgage rates due to the increased risk associated with financing a project that has not yet been built.How long is a construction loan?Construction loans are typically short-term loans, ranging from six months to one year. Once the construction is complete, borrowers usually refinance into a permanent mortgage.
- [Best Business Lines of Credit](https://eboostpartners.com/resources/business-line-of-credit-guide/best-business-lines-of-credit/)
- [Raising Capital for a Business in the US: A Comprehensive Guide](https://eboostpartners.com/resources/alternative-financing-guide/raising-capital/)
- [Getting a Business Loan for the First Time](https://eboostpartners.com/resources/business-financing-guide/getting-a-business-loan-first-time/): How much can I borrow with a small business loan?A small business loan amount can range from $15,000 to $1 million. That said, maximum loan amounts differ from one financial institution to the next. Whether yours is a first-time business loan application or not, your credit history, credit score, and affordability will affect how much you can borrow.Do interest rates differ on business loans?Interest rates vary by lender and loan type and are influenced by credit score and credit history. Typically, short-term loans, and loans for bad credit, have higher interest rates. When shopping for business loans, compare the annual percentage rate (APR) because this includes all fees, not just interest.Can I lose my business assets if I default on a business loan?Yes, you can, but it depends on the type of loan you took. Some business loans require collateral, and this is where the risk of loss of assets comes in. Remember that even if your business fails, you must repay the loan.
- [Business Loans for Bad Credit: What Are Your Options?](https://eboostpartners.com/resources/business-financing-guide/business-loans-for-bad-credit/)
- [How to Use Working Capital to Enhance Marketing](https://eboostpartners.com/resources/working-capital-guide/working-capital-for-marketing/): What are the common marketing mistakes made by small businesses?Some common mistakes include failing to define a target market, neglecting to track campaign performance, and underutilizing digital channels. A clear small business marketing strategy is essential to avoid wasted resources and ensure each campaign reaches its intended audience.What is the most affordable way to promote your business?Content marketing and social media are among the most cost-effective marketing strategies. These channels allow you to build a brand presence without high advertising costs, making them ideal for small businesses looking to expand their reach.How does marketing differ from sales?Marketing aims to attract potential customers and raise brand awareness, while sales focus on converting these leads into paying customers. A cohesive marketing strategy supports sales by creating an initial interest and nurturing customer relationships.
- [Understanding the Change in Working Capital](https://eboostpartners.com/resources/working-capital-guide/change-in-working-capital/): Is change in working capital the same as net working capital?Not quite. "Net working capital" (or just "working capital") is the figure itself: Current Assets - Current Liabilities at a specific point in time. "Change in working capital" is the difference in that net working capital figure between two different points in time. So, one is a static amount, the other measures its movement.Why is an increase in working capital a negative cash flow?This can seem counterintuitive! An increase in working capital often means you've invested cash into assets like inventory or accounts receivable. For example, if your inventory increases, you've used cash to buy that inventory. If your accounts receivable increase, it means you've made sales but haven't collected the cash yet - so that cash is tied up.Thus, from a cash flow perspective, an increase in working capital is typically shown as a reduction (a negative adjustment) when reconciling net income to cash flow from operations.How does it impact loan approval or funding decisions?Oh, significantly! Lenders like us at eBoost Partners scrutinize changes in working capital.Positive, controlled increases can indicate growth, which is good. But we’ll want to see how that growth is being funded and if it’s sustainable.Large, unexpected increases that strain cash flow can be a red flag. It might suggest issues with inventory management or collecting from customers.Consistent decreases might show efficiency, but if it’s because payables are being stretched too far, it could indicate cash flow problems. We look for healthy, well-managed working capital. If a business needs funding to manage working capital cycles (like stocking up for a busy season or bridging the gap while waiting for customer payments), that's often a good reason for a loan, provided the underlying business is sound. Our loan amounts from $5K-$2M and repayment terms up to 24 months are designed to help businesses navigate these exact scenarios.How do I calculate it from a balance sheet?You'll need two balance sheets: one for the current period and one for the previous period.From the current period's balance sheet: Total Current Assets - Total Current Liabilities = Working Capital (Current).From the previous period's balance sheet: Total Current Assets - Total Current Liabilities = Working Capital (Previous).Then: Working Capital (Current) - Working Capital (Previous) = Change in Working Capital.What do changes in working capital mean?Changes in working capital reflect how a company's liquidity and operational efficiency are evolving.An increase could mean the company has invested more in short-term assets (like inventory or receivables) or reduced its short-term liabilities. This can be positive (e.g., preparing for growth) or negative (e.g., customers aren't paying).A decrease could mean the company has reduced its investment in short-term assets (e.g., selling inventory, collecting receivables faster) or increased its short-term liabilities (e.g., taking longer to pay suppliers). This can be positive (e.g., more efficient operations) or negative (e.g., cash shortages leading to delayed supplier payments). The key is to understand the drivers behind the change.How to account for changes in working capital?In financial accounting, changes in working capital are primarily reflected in the Statement of Cash Flows, specifically in the "cash flows from operating activities" section when using the indirect method. Increases in current asset accounts (like accounts receivable or inventory) and decreases in current liability accounts (like accounts payable) are typically subtracted from net income.Conversely, decreases in current assets and increases in current liabilities are added back to net income to arrive at net cash flow from operations.
- [How to Get a Business Line of Credit for a New Business: A Complete Guide](https://eboostpartners.com/resources/business-line-of-credit-guide/business-line-of-credit-for-new-business/): Can a startup without revenue get a business line of credit?Startups without revenue can still qualify for a business line of credit using alternative lenders. However, it’s important to note that securing approval can still be challenging. Lenders may require a strong personal credit score, valuable collateral, or a well-crafted business plan to mitigate the risks.How long does it take to get approved?Approval times vary based on the lender. Traditional banks may take several weeks due to their rigorous evaluation process, while online lenders can approve applications within a few days.
- [How Much Business Line of Credit Can I Get?](https://eboostpartners.com/resources/business-line-of-credit-guide/how-much-business-line-of-credit-can-i-get/): What is the average business line of credit amount?Many small to mid-sized companies secure a line between $5,000 and $100,000. But it’s not uncommon for established or larger ventures to qualify for $250,000 or more, especially if they show strong revenue and solid credit scores.How do lenders determine my credit limit?Lenders usually take into account your business’s financials, time in operation, industry risk, and both personal and business credit histories. If you’re applying for a bigger limit, demonstrating substantial revenue, a stable track record, and a decent credit score is super helpful.Can I increase my business line of credit over time?Absolutely. Many lenders will review your limit periodically and offer increases if you consistently meet repayment requirements and maintain healthy finances. Building a proven repayment record goes a long way.What happens if I reach my credit limit?If you max out your limit, you won’t be able to draw additional funds until you repay part of the balance. Running too close to your limit might also affect your credit score, so it’s wise to keep some buffer available for emergencies.Is a secured business line of credit better for higher limits?Often, yes. Secured lines backed by collateral or a personal guarantee allow lenders to feel safer about extending a higher limit. If you’re comfortable pledging an asset, you might access more sizable funding.What credit score do I need for a high-limit business line of credit?There’s no universal magic number, but many lenders prefer a personal score of 680 or above and a decent business credit score. Higher numbers show you’re reliable and can unlock broader access to funds. However, alternative lenders might be flexible if your other financial indicators - like revenue - are strong.

# eBoost Partners

> eBoost Partners is a Miami Beach, Florida-based alternative business lender
> providing fast, flexible funding to small and mid-sized businesses across all
> 50 U.S. states. Funding ranges from $2,000 to $10,000,000 with a reported
> 95% approval rate and a 5-minute online application. BBB accredited.

## Products

- [Revenue Based Financing](https://eboostpartners.com/business-loans/revenue-based-financing/): Advances against future revenue. Repayment scales as a percentage of daily or weekly sales — no fixed monthly payments. No collateral required. Funding from $5,000 to $3,000,000.
- [Business Lines of Credit](https://eboostpartners.com/business-loans/lines-of-credit/): Revolving credit facility for working capital. Draw and repay as needed up to your approved limit. Interest charged only on amounts drawn.
- [SBA Loans](https://eboostpartners.com/business-loans/sba-loans/): U.S. Small Business Administration-backed loans for established businesses. Lower rates and longer terms than conventional alternatives. Up to $10,000,000.
- [Equipment Financing](https://eboostpartners.com/business-loans/equipment-financing/): Loans and leases secured by the equipment being purchased. Up to 100% financing available. Preserves working capital.
- [Purchase Order Financing](https://eboostpartners.com/business-loans/purchase-order-financing/): Capital advanced against confirmed purchase orders. Enables fulfillment of large orders without cash on hand. Suitable for product-based businesses.
- [Invoice Factoring](https://eboostpartners.com/business-loans/invoice-factoring/): Sell outstanding invoices at a discount for immediate cash. Suitable for B2B businesses with net-30 or net-60 payment terms.

## Qualification Criteria

Minimum requirements across most products:
- 6+ months in business
- $10,000+ in monthly revenue
- U.S. citizenship or permanent residency
- Active U.S. business bank account
- No hard credit check required for most products

## Key Facts

- Founded: 2023 by Jacob Shimon
- Businesses funded: 500+
- Capital deployed: $100,000,000+
- Funding range: $2,000 – $10,000,000
- Approval rate: 95% (self-reported)
- Application time: 5 minutes online
- Funding speed: Same-day available for qualifying applicants
- Service area: All 50 U.S. states
- Headquarters: 1688 Meridian Ave, Miami Beach, FL 33139
- Phone: (646) 969-3249
- Email: info@eboostpartners.com
- BBB Accredited: Yes (A+ rating)
- Trustpilot: 4.0 / 5 stars

## How It Works

1. Complete the 5-minute online application at eboostpartners.com
2. Receive a funding offer from a specialist, typically same business day
3. Accept the offer and complete documentation
4. Funds deposited directly into your business bank account, often within 24 hours

## Industries Served

eBoost Partners funds businesses across all major industries including retail, restaurants, construction, healthcare, transportation, e-commerce, professional services, and manufacturing.

## Optional

- [Apply Now](https://eboostpartners.com/apply-now/)
- [About eBoost Partners](https://eboostpartners.com/about-us/)
- [FAQ](https://eboostpartners.com/faq/)
- [Resources](https://eboostpartners.com/resources/)

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