Business Resources Page
Welcome to the Kredline Resources hub—built to help you make confident, well‑timed funding decisions. We translate lender jargon into plain English and show how each option works in the real world, so you can choose capital that fits your cash‑flow, not the other way around.
Inside, you’ll find quick FAQs for common questions, a practical guide to your Business Credit Score, a simple Loan Calculator to estimate payments, and Recent Articles with timely insights on working capital and equipment finance. Browse by what you’re trying to do—smooth cash flow, buy inventory, or upgrade equipment—and get answers fast.
If you’re not sure where to start, tell us your goal and timeline. We’ll map options side‑by‑side, explain total cost and speed to funding, and help you move forward with clarity.
Top FAQs About Business Funding
Quick answers to common business funding questions
What types of funding are available to small businesses?
Lines of credit, term loans (short/long), revenue-based financing, merchant cash advances, equipment loans/leases, and SBA-backed loans.
How do lenders decide if I qualify?
They weigh revenue consistency, time in business, credit (business/personal), industry risk, and documentation completeness.
Will applying affect my credit score?
Pre-qualifications often use a soft pull; final approvals may require a hard inquiry. Ask which applies before consenting.
How fast can I get funded?
As quick as 24–72 hours for many non-SBA products; SBA and some equipment deals can take longer due to underwriting.
What documents will I need?
Typically 3–6 months of bank statements, government ID, voided check, basic business info; plus quotes/financials for SBA or equipment.
Fixed loan or line of credit—how do I choose?
Use a term loan for one-time needs with predictable payoff; choose a line of credit for recurring, flexible cash-flow gaps.
What costs should I compare across offers?
Total payback, APR or factor rate, fees (origination, closing), payment frequency, prepayment terms, and collateral requirements.
Can I repay early without penalties?
Sometimes—check prepayment clauses. Some products offer interest savings; others use fixed factor rates with limited benefit.
Do I need collateral or a personal guarantee?
Depends on product and profile. Equipment loans are often asset-backed; many small-business loans require a PG.
How much can I realistically borrow?
Often tied to monthly revenue, cash flow, credit, and product type. Expect ranges like 1–2× average monthly revenue for many working-capital products.
Top FAQs About Business Funding
Quick answers to common business funding questions
What types of funding are available to small businesses?
Lines of credit, term loans (short/long), revenue-based financing, merchant cash advances, equipment loans/leases, and SBA-backed loans.
How do lenders decide if I qualify?
They weigh revenue consistency, time in business, credit (business/personal), industry risk, and documentation completeness.
Will applying affect my credit score?
Pre-qualifications often use a soft pull; final approvals may require a hard inquiry. Ask which applies before consenting.
How fast can I get funded?
As quick as 24–72 hours for many non-SBA products; SBA and some equipment deals can take longer due to underwriting.
What documents will I need?
Typically 3–6 months of bank statements, government ID, voided check, basic business info; plus quotes/financials for SBA or equipment.
Fixed loan or line of credit—how do I choose?
Use a term loan for one-time needs with predictable payoff; choose a line of credit for recurring, flexible cash-flow gaps.
What costs should I compare across offers?
Total payback, APR or factor rate, fees (origination, closing), payment frequency, prepayment terms, and collateral requirements.
Can I repay early without penalties?
Sometimes—check prepayment clauses. Some products offer interest savings; others use fixed factor rates with limited benefit.
Do I need collateral or a personal guarantee?
Depends on product and profile. Equipment loans are often asset-backed; many small-business loans require a PG.
How much can I realistically borrow?
Often tied to monthly revenue, cash flow, credit, and product type. Expect ranges like 1–2× average monthly revenue for many working-capital products.
Top FAQs About Business Funding
What types of funding are available to small businesses?
Lines of credit, term loans (short/long), revenue-based financing, merchant cash advances, equipment loans/leases, and SBA-backed loans.
How do lenders decide if I qualify?
They weigh revenue consistency, time in business, credit (business/personal), industry risk, and documentation completeness.
Will applying affect my credit score?
Pre-qualifications often use a soft pull; final approvals may require a hard inquiry. Ask which applies before consenting.
How fast can I get funded?
As quick as 24–72 hours for many non-SBA products; SBA and some equipment deals can take longer due to underwriting.
What documents will I need?
Typically 3–6 months of bank statements, government ID, voided check, basic business info; plus quotes/financials for SBA or equipment.
Fixed loan or line of credit—how do I choose?
Use a term loan for one-time needs with predictable payoff; choose a line of credit for recurring, flexible cash-flow gaps.
What costs should I compare across offers?
Total payback, APR or factor rate, fees (origination, closing), payment frequency, prepayment terms, and collateral requirements.
Can I repay early without penalties?
Sometimes—check prepayment clauses. Some products offer interest savings; others use fixed factor rates with limited benefit.
Do I need collateral or a personal guarantee?
Depends on product and profile. Equipment loans are often asset-backed; many small-business loans require a PG.
How much can I realistically borrow?
Often tied to monthly revenue, cash flow, credit, and product type. Expect ranges like 1–2× average monthly revenue for many working-capital products.
Business Credit Score
Why it matters and how to improve it.
Your business credit score is a snapshot of how reliably your company pays its obligations. Commercial credit bureaus compile data from vendors, lenders, and public records to estimate risk. Strong business credit can unlock higher limits, better pricing, and faster approvals.
Scores are influenced by payment timeliness, account age and mix, utilization on lines and cards, and any negative records (like liens or judgments). While many lenders also review revenue and time in business—and may request a personal guarantee—building business credit still pays off by widening options and strengthening terms over time.
To build a profile, use accounts that report to business bureaus, pay early or on time, keep your legal and tax details consistent across registrations, and separate business from personal finances. Monitor reports regularly and correct inaccuracies so your score reflects how you actually operate.
Key Factors
- On‑time payments and low utilization with vendors and credit lines
- Business history (time in business, tradeline depth)
- Public records (liens, judgments), industry risk, and revenue trends
Practical tips
- Open vendor accounts that report and pay on time (net‑30/60)
- Keep utilization modest (generally <30% of available limits)
- Separate business/personal finances; keep filings and licenses current
- Monitor reports and dispute inaccuracies
Business Credit Score
Why it matters and how to improve it.
Your business credit score is a snapshot of how reliably your company pays its obligations. Commercial credit bureaus compile data from vendors, lenders, and public records to estimate risk. Strong business credit can unlock higher limits, better pricing, and faster approvals.
Scores are influenced by payment timeliness, account age and mix, utilization on lines and cards, and any negative records (like liens or judgments). While many lenders also review revenue and time in business—and may request a personal guarantee—building business credit still pays off by widening options and strengthening terms over time.
To build a profile, use accounts that report to business bureaus, pay early or on time, keep your legal and tax details consistent across registrations, and separate business from personal finances. Monitor reports regularly and correct inaccuracies so your score reflects how you actually operate.
Key Factors
- On‑time payments and low utilization with vendors and credit lines
- Business history (time in business, tradeline depth)
- Public records (liens, judgments), industry risk, and revenue trends
Practical tips
- Open vendor accounts that report and pay on time (net‑30/60)
- Keep utilization modest (generally <30% of available limits)
- Separate business/personal finances; keep filings and licenses current
- Monitor reports and dispute inaccuracies
Business Credit Score
Why it matters and how to improve it.
Your business credit score is a snapshot of how reliably your company pays its obligations. Commercial credit bureaus compile data from vendors, lenders, and public records to estimate risk. Strong business credit can unlock higher limits, better pricing, and faster approvals.
Scores are influenced by payment timeliness, account age and mix, utilization on lines and cards, and any negative records (like liens or judgments). While many lenders also review revenue and time in business—and may request a personal guarantee—building business credit still pays off by widening options and strengthening terms over time.
To build a profile, use accounts that report to business bureaus, pay early or on time, keep your legal and tax details consistent across registrations, and separate business from personal finances. Monitor reports regularly and correct inaccuracies so your score reflects how you actually operate.
Key Factors
- On‑time payments and low utilization with vendors and credit lines
- Business history (time in business, tradeline depth)
- Public records (liens, judgments), industry risk, and revenue trends
Practical tips
- Open vendor accounts that report and pay on time (net‑30/60)
- Keep utilization modest (generally <30% of available limits)
- Separate business/personal finances; keep filings and licenses current
- Monitor reports and dispute inaccuracies
