Understand business financing before you need it.
Fundur's business financing knowledge center — plain-English guides, real numbers, and tools that help you make a better decision. No pressure, no jargon, no sales pitch.
Fundur is a financing marketplace, not a lender. Browsing Resources never affects your credit score.
What do you need help with?
Pick the question closest to yours — everything below is organized around it.
Understand business loans
How financing actually works, and which of the six main types fits your business.
LearnSee what you may qualify for
Credit, revenue, time in business, and the documents lenders actually ask for.
LearnUnderstand rates & costs
Interest, APR, factor rates, and fees — and how they actually get compared.
ToolEstimate a payment
Run the numbers with a real calculator before you talk to anyone.
CompareCompare financing options
See how similar-sounding products actually differ, side by side.
LearnGet a specific question answered
Fast, direct answers to what we hear most from business owners.
Start with the guide that answers your question.
How to Get a Business Loan
The question behind every other question — the six main ways to finance a small business, how lenders actually decide, and how to shortlist your options before you apply.
- The six most common types of financing, and when each fits
- What lenders weigh first — and what matters less than you'd think
- How to shortlist your options in about ten minutes
How Business Lines of Credit Work
Draw, repay, draw again — the mechanics explained.
How Invoice Factoring Works
Turning unpaid invoices into cash today.
How SBA Loans Work
What the government guaranty actually changes.
How to Build Business Credit
Separating your credit from the business's, on purpose.
Why Business Loans Get Denied
The real reasons, and what's fixable before you reapply.
Run the numbers before you talk to anyone.
Start with the flagship calculator, or jump straight to the one built for your product.
Plus 5 more product-specific calculators — 12 in total as the tool library ships.
Figures are illustrative examples, not offers. Rates and fees vary by lender and business — your actual terms are set during underwriting.
Compare financing options.
Similar-sounding products can behave very differently once you look at access to funds, repayment structure, cost, and collateral.
Two products can solve the same problem in very different ways — one trades a lower rate for slower funding, another trades speed for a higher cost. The fastest way to see that is side by side, not spread across separate pages.
Four terms that can change what financing actually costs.
Not definitions for their own sake — these are the concepts that materially change how you read an offer.
The true annualized cost of financing — every fee folded in, expressed as one percentage.
A flat multiplier — 1.3 on $10,000 means you repay $13,000, regardless of how fast.
Watch for: it looks smaller than an interest rate. It isn't the same number, and it isn't meant to be compared like one.
Your cash flow, divided by your debt payments.
Watch for: lenders use it to check the payment actually fits your business — above 1.0 on paper doesn't guarantee it fits in practice.
Your written promise to repay personally if the business can't.
Watch for: it's common, even on business-only products — worth knowing before you sign, not after.
Quick answers, before you dig deeper.
Will checking my options hurt my credit?+
No. Checking your options through Fundur is a soft inquiry — it won't affect your credit score.
What credit score do I need?+
Most lenders in Fundur's network start around a 500 personal credit score — a typical signal, not a guarantee. Exact thresholds vary by lender, and SBA loans or term loans generally expect a stronger profile.
Do I need collateral to qualify?+
It depends on the product. Equipment financing is typically secured by the asset itself, while broader options like working capital loans are usually credit-based rather than asset-secured.
APR vs. factor rate — what's the difference?+
A factor rate is a flat multiplier applied once. APR is the true annualized cost, fees included — the number that lets you compare products apples-to-apples.
How fast can a business actually get funded?+
Speed varies by product — working capital and lines of credit can fund within a day, while an SBA loan can take 30–90 days.
Why do business loan applications get declined?+
Common reasons include cash flow, time in business, and an unclear use of funds — not just credit score. Our guide breaks down what's actually fixable.
Browse all Resources.
Everything Fundur publishes on business financing, organized by what it's for.
Business Loan Guides
Cornerstone and supporting guides on how financing works.
Requirements & Eligibility
Qualification, credit, documents, and readiness.
Rates & Costs
APR, interest, factor rates, fees, and repayment.
Calculators & Tools
Interactive decision-support for the numbers.
Compare Financing
Product-vs-product decision support.
Glossary
Financing terms, defined in plain English.
FAQs
Fast answers to the questions we hear most.
Research & Data
Original Fundur statistics and research, published annually.
See what you actually qualify for.
Checking your options takes a few minutes and won't affect your credit score.