Cash-flow comparison
Working capital vs. a line of credit
Separate the business need from the structure used to finance it, then compare access, reuse and repayment.
Compare the structuresBusiness Funding Library
Understand the structure before you compare the offer.
Plain-language guides for business owners evaluating funding structures, preparing documents and comparing the cost and timing shown in written offers.
Start with the decision
Guides and practical tools
Product names alone rarely show total cost, payment timing or who will provide the financing. These resources focus on the questions a business can answer before signing.
Structure comparison
Term financing vs. a line of credit
Compare one-time proceeds with reusable access and match payment design to the expected use of funds.
Read the comparisonProvider comparison
SBA loans vs. alternative funding
Understand the SBA guaranty model, participating lenders and the trade-offs between different funding paths.
Explore the pathsCost and calculator
APR, factor rates and total cost
Learn what each metric can and cannot tell you, then enter an offer's actual numbers into a transparent calculator.
Compare the costApplication readiness
Business funding requirements
Review the business, cash-flow, credit, ownership and documentation factors providers may evaluate.
Review the factorsPrintable checklist
Application document checklist
Organize identity, ownership, financial and transaction documents without emailing sensitive records unnecessarily.
Open the checklistKnow the parties
Direct funders, brokers and marketplaces
Identify who is arranging, underwriting, funding and servicing an offer—and which questions to ask each party.
Understand each roleEditorial approach
How these guides are prepared
Guides are general educational content authored by Henry Gross, CEO, and reviewed under Sutton Funding's editorial policy. They use primary government and regulator sources where available, distinguish general product descriptions from specific offers and link readers to the controlling source material.
See how to report a possible factual error in the corrections policy.
Important limitation
A guide is not an offer
These pages do not state Sutton Funding eligibility, rates or guaranteed outcomes. Product availability and terms vary by applicant and provider. A binding agreement exists only when the business and applicable provider execute final documents.
Read the business funding disclosures before submitting an application.
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Submitting information does not guarantee approval or funding.
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