Broker education center
Business funding
research library.
Practical explanations for small-business owners who want to understand costs, payment structures and contract questions before considering a commercial funding offer.
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.
Choose a topic
Compare structures and ask better questions.
Each guide focuses on a specific funding concept and links to related material so you can build a complete comparison.
Funding 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 → Cost comparisonFactor rate vs. APR
Understand why the two figures are not interchangeable and which dollar amounts to request from a provider.
Compare the numbers → 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 → RequirementsMerchant cash advance requirements
See the bank-deposit, time-in-business, credit and document factors providers commonly review.
Read the guide → ComparisonMCA vs. business loan
Compare structure, underwriting speed, repayment frequency and how to weigh cost fairly.
Compare the options → 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 →Request a preliminary funding review
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.
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