Lending by JLFG — articles
Long-form, plain-English explanations of small business working capital. Each is written so an owner who's never raised capital can read one and ask better questions of any broker. Topics include strategic timing, comparing factor rates against APR, reading a quote, and credit-tolerant revenue-based financing.
When to look for working capital: before you need it, while monthly revenue is strong
Strong monthly revenue qualifies you for the largest first-position facility at the best pricing. Lenders price urgency into deals — applying from a position of strength results in larger advances, lower factor rates, and longer terms. With qualification thresholds + 4 strategic timing triggers + a 5-fact intake.
Comparison GuideWorking capital for small business: a straight-talk guide to your real options
Six categories of SMB financing — working capital advances, term loans, lines of credit, equipment financing, invoice factoring, SBA. How each one actually prices, when each one fits, the trap most owners fall into when comparing them.
Cost of CapitalAPR vs factor rate: actually understanding what your financing costs
Why "1.35 factor rate over 12 months" is not the same as "35% APR" — and why this misconception is worth thousands of dollars per year for the average SMB. With worked examples for a $100K advance.
Quote ReadingHow to read a working capital quote: 7 things brokers don't always explain
Origination fees, daily vs weekly payment cadence, prepayment terms, stacking penalties, ACH controls, default acceleration, "true-up" clauses. The details that separate a fair quote from a trap.
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