Excel Capital Management

If you’re financing real estate, heavy equipment, or a major expansion, start by comparing SBA loan programs, specifically the 7(a) and 504, against a bank term loan. If your timeline or credit profile makes those routes impractical, a private long-term loan from a direct lender like ...

Revenue based financing (RBF) is non-dilutive capital you repay as a fixed percentage of future revenue until you hit a set repayment cap, typically 1.2 to 3 times what you borrowed. It fits three situations well: you want to scale a business with recurring revenue without giving up equity, you have no collateral to pledge, and you’d rather your payment shrink in a sl...

A business term loan gives you a fixed amount of cash upfront, then you pay it back in set installments over a defined period, typically lasting several years. It’s the right tool when you have a specific, one-time cost: new equipment, a real estate purchase, an expansion buildout, or paying off higher-cost debt. It’s the wrong tool for ongoing, unpredictable cash flo...

Refinancing your business debt usually helps when you can lock in a materially lower rate or payment, and the deal pays for itself before you’d have paid off the original loan anyway. If the math clears that bar, it works. If it doesn’t, no amount of relief on paper will offset what you spend to get there.

Here’s what to do right now, before anything else:

...

For fast working capital, your best short-term options are online term loans, business lines of credit, and SBA Microloans, with Excel Capital Management standing out for combining same-day underwriting with flexible eligibility. If speed is your only priority, an online lender funding in 24 to 48 hours beats a bank every time. If you can wait two to ...