Now Biz Fund

Resource library

Business Funding Resource Library

Focused resources for owners who want to understand the structure, cost, documents, and tradeoffs before making a funding decision.

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Everything below is a maintained page on this site, organized so you can move from the general question (how does business funding work?) to the specific one (which of these two products, at this amount, in my industry?). Each entry has a short summary of what the page actually covers so you can skip what you do not need.

Choose a starting point

Understand the decision before the application.

Guide 01

How to get a small business loan

The pillar guide: a five-step process, how funders underwrite bank statements, all eight products compared on one cost basis, a document checklist, timelines, red flags and what California and New York disclosure laws require.

Read resource →Guide 02

Bad credit business loans

What a score below 600 actually means to a funder, which products are underwritten on revenue instead, a worked cost example, and a 6 to 18 month path back to lower-cost products.

Read resource →Guide 03

About Now Biz Fund

How a funding specialist fits, how partners are selected, how we are paid, what we do not do, and how documents and credit checks are handled.

Read resource →Guide 04

Funding directory

Every state, city, product and industry page on the site, organized by location. The entry point for local context.

Read resource →Guide 05

Line of credit vs term loan

The comparison most established businesses need first: recurring gaps versus one-time investments.

Read resource →Guide 06

$50,000 business loan

The most-requested amount, compared across a term loan, a line and an advance with realistic thresholds.

Read resource →

Fourteen comparisons

Product comparisons

Each comparison page puts two products side by side on structure, timing, credit profile and common uses, then gives a decision guide and four practical questions. Use them once you have narrowed the choice to two.

Equipment Financing vs Business Line of CreditWhen the need is a specific machine, vehicle or fit-out, financing the asset usually prices lower than drawing a line; when the need recurs, the line wins. Covers term matching, collateral and what happens to an unused line.Equipment Financing vs SBA LoanBoth fund long-lived assets at lower cost; equipment financing closes in days with the asset as security, SBA takes 30 to 90 days but can bundle working capital and real estate. Includes the document gap between them.Invoice Factoring vs Revenue-Based FinancingTwo ways to turn future receipts into cash now: selling B2B invoices versus pledging a share of all revenue. Explains notification, recourse, caps and which suits a contractor versus an e-commerce brand.Business Line of Credit vs Invoice FactoringA revolving line depends on your credit and deposits; factoring depends on your customers’ credit and pay speed. Useful for staffing, trucking and construction firms waiting 30 to 90 days on invoices.Business Line of Credit vs Revenue-Based FinancingDraw-as-needed flexibility against a fixed repayment cap that flexes with sales. Looks at seasonality, growth rate and why fast growth makes revenue-based money more expensive.Business Line of Credit vs Business Term LoanThe most common decision for an established business: a revolving line for recurring gaps or a lump-sum term loan for a one-time investment. Includes payment structure, fees and how lenders view each.Merchant Cash Advance vs Revenue-Based FinancingBoth are purchases of future receipts, but the remittance mechanics differ: fixed daily debits versus a percentage of monthly revenue. Explains factor rates, caps and which handles a slow month better.Merchant Cash Advance vs SBA LoanThe two ends of the market: same-day capital at factor-rate pricing versus government-guaranteed loans at prime-plus pricing over months. Helps decide whether to bridge, wait, or do both.Merchant Cash Advance vs Business Term LoanA fixed factor-rate payback with daily remittance versus an amortizing loan with weekly or monthly payments. Includes a cost translation and the credit and time-in-business thresholds for each.Merchant Cash Advance vs Working CapitalOften confused because both are short and fast. Clarifies the legal difference (purchase of receipts versus a loan), how each is priced, and what renewal offers really cost.Revenue-Based Financing vs Working CapitalPayments that move with sales versus a fixed schedule. Best for subscription, seasonal and online businesses deciding whether predictability or flexibility matters more.SBA Loan vs Invoice FactoringLong-term, lowest-cost capital that takes months versus receivables funding that starts in days with no minimum time in business. Useful for B2B firms deciding how to grow.SBA Loan vs Business Term LoanSBA 7(a) pricing and terms against a conventional bank or online term loan: guarantee fees, collateral, timelines and when the faster loan is worth the higher rate.Working Capital vs Business Term LoanShort-term money for a gap versus multi-year money for an investment. Explains why financing a five-year asset with a nine-month product costs more than it looks.

Nine amounts

Funding by amount

The amount changes the product menu, the documents and the timeline. These pages explain what typically applies at each size, from a $5,000 first advance to a $500,000 expansion loan.

$5,000 Business LoanThe smallest common request: what fast products are available, why bank statements matter more than paperwork at this size, and how to avoid paying a fee that rivals the amount.$10,000 Business LoanA typical first advance or working-capital loan for a young business: minimum deposits, time in business and how a clean repayment sets up a larger renewal.$25,000 Business LoanInventory, a small equipment purchase or a marketing push: which products fit, what the payment looks like at market ranges and what documents are usually enough.$50,000 Business LoanThe most-requested amount on the site. Compares a term loan, a line and an advance at this size, and explains the revenue and credit thresholds that decide which is realistic.$75,000 Business LoanWhere tax returns start to matter for term loans, and where equipment or invoice-backed structures often price better than unsecured money.$100,000 Business LoanBuildouts, second locations and larger equipment. Covers the shift from bank-statement underwriting to financial-statement underwriting and the timelines that come with it.$150,000 Business LoanRequests at this size usually need two years in business, $500,000 or more in annual revenue and a 600+ score for unsecured products; the page explains the alternatives when one is missing.$250,000 Business LoanExpansion capital: SBA 7(a), bank term loans, larger equipment lines and factoring facilities, with realistic 3 to 7 day and 30 to 90 day timelines side by side.$500,000 Business LoanThe top of most online lenders’ ranges and the middle of SBA’s. Explains collateral, guarantee fees, the document set and why a complete file matters most at this size.

Eight products

Product overviews by state

Each product has a page for every state we cover, with local context and the published market range. The summaries below describe the product; the links open the state pages.

Equipment financing

Financing up to 100% of a vehicle, machine or technology purchase with the asset as security. Approvals lean on the equipment, which helps younger or weaker-credit businesses.

Market range: Provider-specific; size to repayment capacity · Provider-dependent; confirm availability of funds

New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado

Revenue-based financing

An advance repaid as a fixed percentage of monthly revenue until a cap is reached. Payments flex with sales, which suits e-commerce, subscription and seasonal businesses.

Market range: Provider-specific; size to repayment capacity · Provider-dependent; confirm availability of funds

New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado

Merchant cash advance

A purchase of future receipts repaid by daily or weekly remittance at a factor rate. The fastest product and the most expensive; the page explains when it is and is not appropriate.

Market range: Provider-specific; size to repayment capacity · Provider-dependent; confirm availability of funds

New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado

Industry entry points

Industry funding guides

Industry pages explain how funders see a sector: margins, seasonality, common uses and the documents that matter. The Los Angeles and New York City pages are the flagship versions; the directory lists every other city.

Restaurant / Food ServiceHigh card-sales volume makes restaurants a common fit for revenue-based products; lenders watch for declining deposits and tax liens. Typical range $15,000 – $250,000.Retail Store / E-commerceOnline sellers with platform data qualify quickly for revenue-based products; brick-and-mortar retailers lean on card volume. Typical range $10,000 – $300,000.Construction / ContractingReceivables from general contractors or public agencies make factoring efficient; equipment lenders like clear titles. Typical range $25,000 – $500,000.Healthcare / Medical / DentalLicensed providers with steady collections get some of the lowest available pricing. Typical range $25,000 – $1,000,000.DentalAmong the most favored professions for equipment and practice lending. Typical range $25,000 – $750,000.Transportation / Trucking / LogisticsFreight factoring is the most common product; equipment lenders assess truck age and mileage. Typical range $20,000 – $400,000.ManufacturingHard assets and B2B receivables open the widest product range. Typical range $50,000 – $2,000,000.E-commercePlatform-connected revenue-based financing is fastest; factoring covers wholesale invoices. Typical range $10,000 – $500,000.Auto Repair / ServicesCard-heavy sales support advances; equipment financing covers most shop upgrades. Typical range $10,000 – $200,000.Salon / Beauty / SpaConsistent card deposits qualify salons for fast products; suite rentals complicate underwriting. Typical range $5,000 – $150,000.Gym / FitnessRecurring billing data supports revenue-based products. Typical range $10,000 – $300,000.HospitalityLonger-term products fit renovation cycles; revenue-based products match seasonality. Typical range $25,000 – $1,000,000.Real EstateRental income is underwritten conservatively; brokerages lean on line of credit products. Typical range $50,000 – $2,000,000.CleaningCommercial invoices support factoring; residential-only operators use card-based products. Typical range $5,000 – $150,000.LandscapingLenders expect winter dips; equipment financing carries most of the load. Typical range $10,000 – $250,000.Fast Business FundingSame-day products rely on bank data, not paperwork. Typical range $5,000 – $250,000.Bad Credit Business FundingSub-600 scores are workable when deposits are consistent and there are no recent defaults. Typical range $5,000 – $150,000.Cash Flow FundingProducts that draw only what is needed keep costs proportional. Typical range $5,000 – $250,000.

New York City versions: Restaurant · Retail Store · Construction · Healthcare · Dental · Transportation · Manufacturing · E-commerce · Auto Repair.

Local hubs

Start from a city

Los Angeles, CAAll eighteen industry guides and every product page for the Los Angeles market.New York City, NYIndustry and product pages for the five boroughs, including the state disclosure rules that apply.Houston, TXIndustry guides and product pages for Houston businesses, plus the Texas state hub.Miami, FLIndustry guides and product pages for Miami businesses, including Florida's commercial financing disclosure rules.Chicago, ILIndustry guides and product pages for Chicago businesses.Philadelphia, PAIndustry guides and product pages for Philadelphia businesses.Boston, MAIndustry guides and product pages for Boston businesses.Seattle, WAIndustry guides and product pages for Seattle businesses.Denver, COIndustry guides and product pages for Denver businesses.

No fabricated article archive.

This page links to maintained funding resources already protected by the site route baseline. A dated article feed requires a real editorial workflow and publication records, so instead each page above is revised in place when market ranges or the process change. Legal pages: privacy notice, California privacy rights, website terms, contact.

About this library

How to use these resources

Why is there no dated article feed?

Because a feed implies an editorial calendar and publication records we would have to maintain honestly. Instead, every page linked here is a maintained resource that is updated when the market ranges or the process change, most recently September 2026.

Where do the numbers on these pages come from?

Product ranges, timelines and credit guidelines are compiled from published lender and marketplace guidelines and are presented as market ranges, not Now Biz Fund offers. Your terms depend on underwriting by the funding partner.

Which page should a first-time borrower read?

Start with how to get a small business loan, then the comparison page for the two products you are deciding between, then the amount page closest to your request. If credit is the concern, read the bad-credit page before applying anywhere.

Can I get help choosing?

Yes. Call +1 (929) 744-5992 or start a review from the home page. Checking eligibility does not use a hard credit pull.

Call nowCheck eligibility