Scalekit field notes
Capital decisions, made clearer.
Practical guidance for owners comparing lenders, preparing applications and choosing the right structure for the next business move.
Know what to ask before you apply.
Extensive, operator-focused guides across the financing routes ScaleKit helps businesses evaluate.
01How to choose the right financing for the job
Learn how to choose business financing by matching the use of funds, repayment structure, timing and risk to your company’s cash-flow cycle.
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02Line of credit or term loan?
Compare a business line of credit vs. term loan by use, payment structure, cost, flexibility and cash-flow fit with practical examples.
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03Funding inventory without starving ad spend
A practical e-commerce inventory financing guide covering cash conversion, inventory turns, ad spend, seasonality, lender options and risk controls.
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04SBA 7(a), 504 and Express: what changes?
Compare SBA 7(a), 504 and Express loans by maximum size, use of funds, structure, process and business fit before approaching an SBA lender.
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05The capital stack behind a business acquisition
Learn how business acquisition financing combines buyer equity, SBA or conventional debt, seller notes and working capital in a practical capital stack.
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06When credit stacking fits—and when it does not
Learn how business credit stacking works, who may fit, sequencing and utilization risks, promotional APR planning and safer alternatives.
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07Business loan requirements: the complete readiness checklist
Understand common business loan requirements, documents, credit and cash-flow signals lenders review, plus a step-by-step application checklist.
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08How much business loan can I get?
Estimate business borrowing capacity using revenue, cash flow, debt service, collateral and use of funds—without relying on misleading loan calculators.
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09Business loan rates and costs: what you actually pay
Understand business loan rates, APR, factor rates, fees, payment frequency and total repayment so you can compare financing offers accurately.
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10Equipment financing: how to fund productive assets
Learn how equipment financing works, what lenders evaluate, lease vs. loan tradeoffs, down payments, tax questions and responsible deal sizing.
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11Business loans for bad credit: options, costs and risks
Explore business loans for bad credit, what lenders evaluate beyond scores, realistic financing routes, costs, red flags and an approval-improvement plan.
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12SBA loan application checklist: build a lender-ready file
Use this SBA loan application checklist to organize eligibility, financials, ownership, collateral and transaction documents before contacting lenders.
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