Frank Business Solutions
Business Financing Resources
Straightforward guidance to help you understand business-financing options, compare offers and make a more informed decision before signing.
START HERE
How to Compare Business Financing Offers Before You Sign
Use this practical checklist to compare net proceeds, payments, total cost, fees, prepayment terms, guarantees, liens and cash-flow impact.
NEW COMPARISON GUIDE
Business Line of Credit vs. Merchant Cash Advance
Compare qualifications, approved amounts, payment schedules, costs and early-payoff terms. See why it can be useful to explore both options before choosing.
TERM LOAN READINESS
Not Ready for a Business Term Loan Yet? A Practical 90-Day Plan
See what to work on in your financials, bank activity and existing debt before reassessing a term loan, while keeping useful financing options open today.
MCA REFINANCE GUIDE
When Does Refinancing a Merchant Cash Advance Make Sense?
Estimate the balance and usable new cash first. See when a longer term, improved pricing, better payment structure or stronger funding partner may justify replacing an existing advance—and what to verify before moving forward.
BEFORE YOU APPLY
What to Prepare Before Talking About Business Financing
A useful first conversation starts with your funding goal, cash flow and estimated existing balances—not a full application or payoff letter. See Frank’s quick checklist and what can wait until later.
BANK ACTIVITY & CASH FLOW
Can You Get Business Financing With NSFs or Negative-Balance Days?
One difficult month does not tell the whole story. Learn what a provider may review, how working capital and a line of credit can differ, and what to discuss with Frank before applying.
Three questions to ask before choosing business financing
- What will the funding accomplish? Match the amount and timing to a specific need, such as inventory, payroll, a customer invoice or a planned investment. Borrowing more than the business needs can increase the total cost.
- What payment schedule fits your cash flow? Compare the actual daily, weekly or monthly payment, when it begins and how it lines up with receipts. A smaller payment may come with a longer repayment period or a higher total cost.
- What does the full offer require? Review total repayment, fees, prepayment terms, guarantees and liens. The best fit depends on the complete agreement and your qualifications, not a product name alone.
Already have a proposal? Use our business financing offer comparison guide to review it before signing, or talk to Frank about the options that may fit your business.
Explore financing options
Working Capital & Merchant Cash Advances
Explore working capital needs and MCA structures with a clear look at total payback, payment frequency, qualifications and prepayment terms.
Business Line of Credit
Learn how revolving access to capital works and what to evaluate before using a business line of credit.
SBA Loans
Review longer-term SBA financing considerations, common uses and the financial preparation typically involved.
Business Term Loans
Compare structured repayment, loan purpose, cash-flow requirements and documentation expectations.
Invoice Factoring
See how eligible business receivables may be converted into working capital without waiting for customers to pay.
Financing Second Opinion
Already have an offer? Get a straightforward review of the numbers, structure and tradeoffs before deciding.
Not sure where to start?
Talk directly with Frank about what the business needs, what you have already been offered and which questions are worth asking next.