Topic

Cash flow & credit lines

Covering gaps without digging a hole: lines of credit, working capital, invoice financing and honest trade-offs.

The rest of this topic

• Line of Credit vs Term Loan: Which One Fits WhatThe practical differences between a revolving line of credit and a fixed term loan, and how to choose based on whether your need is recurring or one-time.
• What Is a Working Capital Loan — and When Is It a Bad Idea?What working capital loans actually are, the common forms they take, what the money should and shouldn't be used for, and how to tell when it's the wrong tool.
• Invoice Financing Explained: Borrowing Against Money You've Already EarnedHow financing against accounts receivable works, which businesses it fits, what it typically costs, and the difference between recourse and notification arrangements.
• Merchant Cash Advances: An Honest Look at the Pros and ConsHow revenue-based advances work, when they're a reasonable tool, the specific risks to understand, and the questions to ask before accepting one.
• Financing a Seasonal Business Without Digging a HoleHow to plan financing around a predictable annual cycle — which products fit the off-season, how to present seasonal statements, and the trap of repaying in your slow months.
• Covering a Payroll Gap: What to Do When the Deadline Is FixedPractical steps when payroll is due before your receivables arrive — what to check first, which financing shapes fit, and the decisions to avoid under pressure.
• Managing Existing Debt Before You Apply for MoreHow lenders read your current obligations, how to build a debt schedule, and how to judge whether consolidating, waiting, or applying is the right move.

Other topics

FundPath is not a lender and does not make credit decisions. These guides are general educational information, not financial, legal, or tax advice.