The AXIS blog
Read before you sign.
The parts of business funding other lenders keep vague: factor rates, holdbacks, renewals, stacking, credit. Written for owners, not underwriters.
How Does a Merchant Cash Advance Work? A Plain-English Guide
What a merchant cash advance actually is, how the factor rate and holdback work, what it really costs, and the four questions to ask before you take one.
Read articleMCA Holdback and Reconciliation Clauses, Explained
What an MCA holdback is, split versus fixed ACH remittance, how the percentage is set, a worked example, and why a reconciliation clause matters before you sign.
Read articleMerchant Cash Advance vs. Business Loan: Which Fits?
A side-by-side comparison of a merchant cash advance and a business term loan: speed, pricing, credit needed, cost on a $75,000 need, and when each one wins.
Read articleFactor Rate Explained: What It Is and What It Really Costs
What a factor rate is, the formula behind it, how it compares to an interest rate and APR, and what to ask before you sign a merchant cash advance offer.
Read articleEquipment Financing vs. Leasing: Which Fits Your Business?
The real difference between an equipment loan, an operating lease and a dollar-buyout lease, with a full side-by-side comparison and a worked example.
Read articleSame Day Business Funding: What to Actually Expect
What same day business funding really means, an hour-by-hour look at how it works, which products can fund in 24 hours, and how to avoid instant-approval traps.
Read articleBusiness Funding With Bad Credit: What Actually Qualifies
What funders check when your credit score is under 600, which products are realistic at each credit band, and how to raise your approval odds in 30 days.
Read articleRestaurant Business Funding: The Owner's Complete Guide
Why banks decline restaurants, how a restaurant cash advance repays with your sales instead of a fixed payment, and how to fund equipment, remodels and slow seasons.
Read articleHow to Qualify for a Business Line of Credit
What underwriters check when you apply for a business line of credit: credit, revenue and bank-statement minimums, how limits are set, and a 30-day prep checklist.
Read articleWorking Capital for Trucking Companies: A Carrier's Guide
How owner-operators and small fleets cover fuel, repairs and payroll while brokers pay net-30 to net-90, and which funding option fits each gap.
Read articleDone reading. Ready to see real numbers?
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