Dennis Shirshikov

Payroll loans are short-term loans that small businesses can use to cover employee wages. Lines of credit are the most common solution; however, business owners can also use invoice financing, short-term loans, and merchant cash advances as a last resort. Each option has trade-offs, and the best one is accessible and affordable to the business….

Headway Capital is a direct online lender that offers a business line of credit. It refers to it as a True Line of Credit because of its monthly payments, 24-month repayment terms, and small APR range. The Headway line of credit is expensive, only offers funding up to $100,000, and has low minimum qualifications. Headway…

Accounts receivable (A/R) financing companies can provide fast, affordable funding to smooth out a small business’s cash flow or provide access to short-term working capital. A/R financing is based on the value of outstanding receivables. We reviewed more than 20 invoice financing companies and selected the six best. Best A/R Financing Companies 2020 *Last Updated:…

BlueVine is an online alternative lender that provides capital to small business owners. It offers a short-term loan, small business line of credit, and an invoice factoring facility. While the line of credit and invoice factoring facilities are great financing options, its short-term loan stands out for its same-day funding and low starting rates. BlueVine…

Rapid Finance offers a small business loan and merchant cash advance to borrowers with poor credit. While it has many merchant cash advance solutions, its most popular product is the short-term loan, which offers up to $500,000 in funding to small business owners. Rapid Finance is part of Quicken Loans and offers loan brokering for…

Business owners use small business lines of credit (LOCs) for short-term working capital needs because they can borrow funds repeatedly. The best small business lines of credit are unsecured, meaning there is no collateral like inventory or real estate. Some of the best business LOC providers can fund up to $250,000 the same day. 12…

A merchant cash advance (MCA) provides a lump sum cash advance for a percentage of daily credit card receipts. An MCA provider buys future credit card sales from a business to make the advance. We ranked the top six MCA providers by comparing over 50 lenders across 15 features and speaking to 15 business owners….