Resource library
Focused resources for owners who want to understand the structure, cost, documents, and tradeoffs before making a funding decision.
Everything below is a maintained page on this site, organized so you can move from the general question (how does business funding work?) to the specific one (which of these two products, at this amount, in my industry?). Each entry has a short summary of what the page actually covers so you can skip what you do not need.
Choose a starting point
The pillar guide: a five-step process, how funders underwrite bank statements, all eight products compared on one cost basis, a document checklist, timelines, red flags and what California and New York disclosure laws require.
Read resource →Guide 02What a score below 600 actually means to a funder, which products are underwritten on revenue instead, a worked cost example, and a 6 to 18 month path back to lower-cost products.
Read resource →Guide 03How a funding specialist fits, how partners are selected, how we are paid, what we do not do, and how documents and credit checks are handled.
Read resource →Guide 04Every state, city, product and industry page on the site, organized by location. The entry point for local context.
Read resource →Guide 05The comparison most established businesses need first: recurring gaps versus one-time investments.
Read resource →Guide 06The most-requested amount, compared across a term loan, a line and an advance with realistic thresholds.
Read resource →Fourteen comparisons
Each comparison page puts two products side by side on structure, timing, credit profile and common uses, then gives a decision guide and four practical questions. Use them once you have narrowed the choice to two.
Nine amounts
The amount changes the product menu, the documents and the timeline. These pages explain what typically applies at each size, from a $5,000 first advance to a $500,000 expansion loan.
Eight products
Each product has a page for every state we cover, with local context and the published market range. The summaries below describe the product; the links open the state pages.
A lump sum repaid on a fixed weekly or monthly schedule over 6 months to 5 years. The default choice for a one-time investment with a clear payoff.
Market range: $10,000 – $500,000 · 1 – 3 business days (online lenders)
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
Revolving capital you draw as needed and repay on the drawn balance. Fits payroll gaps, restocks and seasonal dips; watch draw fees and variable rates.
Market range: $10,000 – $250,000 · 1 – 3 business days to open; draws often same day
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
Government-guaranteed loans through approved lenders, priced at prime plus a capped margin over up to 10 to 25 years. Slow and document-heavy, but the lowest long-term cost.
Market range: $50,000 – $5,000,000 (7(a)); up to $50,000 for microloans · 30 – 90 days
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
Financing up to 100% of a vehicle, machine or technology purchase with the asset as security. Approvals lean on the equipment, which helps younger or weaker-credit businesses.
Market range: $10,000 – $2,000,000 (up to 100% of equipment cost) · 2 – 5 business days
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
Selling eligible B2B invoices for a 70% to 90% advance, with the balance less a fee paid when the customer pays. Your customers’ credit matters more than yours.
Market range: $10,000 – $5,000,000 (70% – 90% advance on eligible invoices) · 1 – 3 business days after setup
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
An advance repaid as a fixed percentage of monthly revenue until a cap is reached. Payments flex with sales, which suits e-commerce, subscription and seasonal businesses.
Market range: $25,000 – $2,000,000 · 2 – 7 business days
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
A purchase of future receipts repaid by daily or weekly remittance at a factor rate. The fastest product and the most expensive; the page explains when it is and is not appropriate.
Market range: $5,000 – $500,000 · Same day to 2 business days
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
Short-term loans of 3 to 24 months for gaps: inventory before a season, a tax bill, a large order. Compare total payback rather than the headline rate.
Market range: $5,000 – $250,000 · 1 – 2 business days
New York · California · Texas · Florida · Illinois · Pennsylvania · Massachusetts · Washington · Colorado
Industry entry points
Industry pages explain how funders see a sector: margins, seasonality, common uses and the documents that matter. The Houston and Dallas pages are the flagship versions; the directory lists every other city.
Dallas versions: Restaurant · Retail Store · Construction · Healthcare · Dental · Transportation · Manufacturing · E-commerce · Auto Repair.
Local hubs
This page links to maintained funding resources already protected by the site route baseline. A dated article feed requires a real editorial workflow and publication records, so instead each page above is revised in place when market ranges or the process change. Legal pages: privacy notice, California privacy rights, website terms, contact.
About this library
Because a feed implies an editorial calendar and publication records we would have to maintain honestly. Instead, every page linked here is a maintained resource that is updated when the market ranges or the process change, most recently September 2026.
Product ranges, timelines and credit guidelines are compiled from published lender and marketplace guidelines and are presented as market ranges, not AIDBIZ offers. Your terms depend on underwriting by the funding partner.
Start with how to get a small business loan, then the comparison page for the two products you are deciding between, then the amount page closest to your request. If credit is the concern, read the bad-credit page before applying anywhere.
Yes. Call +1 (929) 744-5992 or start a review from the home page. Checking eligibility does not use a hard credit pull.