Broker education center
US business funding:
requirements and costs.
Start with your business’s screening fit, compare the cost and payment structure, then prepare an inquiry. These guides help US business owners research merchant cash advances and other commercial funding options.
Premium Capital Solution is an independent commercial finance broker and ISO, not a bank or direct funder. These guides are general education, not financial or legal advice. Independent providers make all eligibility, approval and term decisions.
Start with your funding decision
Check requirements, compare costs, prepare your inquiry.
New to funding? Begin with the requirements checklist. Comparing offers? Use the cost calculator and MCA-versus-loan guide before choosing a next step.
Merchant cash advance requirements
Check our six preliminary screening criteria, including revenue, time in business and owner credit, plus the information to prepare.
Check screening criteria → Cost comparisonFactor rate vs. APR
Use the factor-rate calculator to explore total purchased amount and cost. Learn why a factor rate alone is not an APR.
Compare the numbers → ComparisonMCA vs. business loan
Use the comparison worksheet to review net proceeds, total payments, payment frequency and contract questions side by side.
Compare the options → Merchant protectionFunding warning signs
Advance-fee demands, guaranteed approvals, missing cost disclosures and how to verify a provider.
Read the guide → Receivables purchaseMerchant cash advance guide
Learn how purchased amounts, future receivables, factor rates, remittances and reconciliation can work.
Read the guide → Revolving creditBusiness line of credit
Review credit limits, draws, rates, fees, renewal decisions and personal guarantees.
Read the guide → Asset-basedEquipment financing
Compare loans and leases while considering useful life, collateral, down payment and end-of-term terms.
Read the guide → Official resourcesHow to research SBA loans
Use official SBA resources, understand the lender’s role and prepare a verification checklist.
Use the checklist → Receivables financingInvoice factoring guide
Learn advance rates, factoring fees, reserves and recourse vs. non-recourse agreements.
Read the guide → Credit-aware fundingBusiness funding with bad credit
See which structures commonly weigh bank deposits and revenue over a single credit score.
Read the guide → Pricing educationWhat affects the cost of business funding
Understand the factors, structures and easy-to-miss fees behind any funding quote.
Read the guide → Renewals & stackingMCA renewals and stacking
Understand renewal offers, stacking risk and how to evaluate combined remittances.
Read the guide → Operating cash flowWorking capital loans explained
See the structures behind the label and how to size a request to your actual need.
Read the guide →Match the research to your business
For fuel, repairs and freight-payment timing, use the trucking working capital guide. For parts purchases, shop payroll and equipment needs, see the auto-repair shop funding guide. These are educational comparisons, not a promise that a provider or product is available to your business.
Ready for a preliminary broker review?
First check the preliminary screening requirements. Then have your funding amount, intended use, monthly revenue and existing business funding details ready. Our inquiry preparation guidance explains what to have on hand and how to contact us. Do not upload bank statements through the website inquiry form.
Your request reaches Premium Capital Solution first. With your authorization, we may refer it to one or more independent commercial funding providers when we identify a potential fit. Approval is not guaranteed.
Start funding request →