Access to Capital

Venture debt looks like cheap capital next to equity. The terms hide most of the cost. What to read carefully.

The quarterly certificate is more than paperwork. It’s the bank’s early-warning system — and yours, if you know how to read it.

Both are bank debt. They behave fundamentally differently. Choosing the wrong one is one of the most expensive errors small businesses make.

Two businesses with identical EBITDA can sell for very different multiples. Recurring revenue is the most common explanation.

The 50-point checklist that separates a ‘yes’ from a ‘not yet.’ Free download included.

DSCR, FCCR, leverage, liquidity, and personal guarantees — what lenders actually look at, in plain English.