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Working capital has its own vocabulary — factor rates, holdbacks, reconciliation, stacking — and most of what's written about it is written to sell you something. This is the version we'd give a friend who asked.
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4 articlesBusiness funding at six months: what's actually available
What a six-month-old business can realistically get funded, what it costs, and the three things that most improve an offer at this stage.
How funders actually read your bank statements
The six things an underwriter looks for in three months of business bank statements, in the order they check them, and what each one changes.
Restaurant financing in Brooklyn: what actually gets approved
What Brooklyn restaurants get funded for, what underwriters look at, and the two borough-specific issues that sink otherwise good applications.
What is stacking, and why do funders treat it as a default?
Stacking means taking a second advance while a first is outstanding. Why most funding agreements prohibit it, and what to do instead.