The Fidelity Funding Blog
Practical guides on cash flow, merchant cash advances, approvals, card processing and running a healthier small business.
90 in-depth guides · updated October 2026
What Is a Factor Rate? MCA Pricing Explained
6 min read
What Is a Factor Rate? MCA Pricing Explained
Guide · Fidelity Funding
Total Payback vs. APR: Comparing Funding Offers
6 min readTotal Payback vs. APR: Comparing Funding Offers
Guide · Fidelity Funding
How MCA Holdback Percentages Work
6 min readHow MCA Holdback Percentages Work
Guide · Fidelity Funding
Daily vs. Weekly Payments: Which Is Better?
6 min readDaily vs. Weekly Payments: Which Is Better?
Guide · Fidelity Funding
What Underwriters Look For in Your Bank Statements
6 min readWhat Underwriters Look For in Your Bank Statements
Guide · Fidelity Funding
NSFs and Negative Days: Why They Matter
6 min readNSFs and Negative Days: Why They Matter
Guide · Fidelity Funding
The Real Risks of MCA Stacking
7 min readThe Real Risks of MCA Stacking
Guide · Fidelity Funding
10 Ways to Improve Your Funding Approval Odds
7 min read10 Ways to Improve Your Funding Approval Odds
Guide · Fidelity Funding
Time in Business Requirements Explained
6 min readTime in Business Requirements Explained
Guide · Fidelity Funding
Revenue Requirements for Business Funding
6 min readRevenue Requirements for Business Funding
Guide · Fidelity Funding
Soft Pull vs. Hard Pull Credit Checks
6 min readSoft Pull vs. Hard Pull Credit Checks
Guide · Fidelity Funding
Personal Guarantees Explained
7 min readPersonal Guarantees Explained
Guide · Fidelity Funding
What Is a UCC Filing?
7 min readWhat Is a UCC Filing?
Guide · Fidelity Funding
Confessions of Judgment: What Owners Should Know
7 min readConfessions of Judgment: What Owners Should Know
Guide · Fidelity Funding
Early Payoff Discounts on Merchant Cash Advances
7 min readEarly Payoff Discounts on Merchant Cash Advances
Guide · Fidelity Funding
The MCA Reconciliation Clause
7 min readThe MCA Reconciliation Clause
Guide · Fidelity Funding
Red Flags of Predatory Business Lenders
7 min readRed Flags of Predatory Business Lenders
Guide · Fidelity Funding
How to Compare Business Funding Offers
7 min readHow to Compare Business Funding Offers
Guide · Fidelity Funding
Cash Flow Forecasting for Small Businesses
7 min readCash Flow Forecasting for Small Businesses
Guide · Fidelity Funding
Planning Cash Flow for a Seasonal Business
7 min readPlanning Cash Flow for a Seasonal Business
Guide · Fidelity Funding
Working Capital: Formula and Why It Matters
7 min readWorking Capital: Formula and Why It Matters
Guide · Fidelity Funding
The Cash Conversion Cycle Explained
7 min readThe Cash Conversion Cycle Explained
Guide · Fidelity Funding
How to Get Paid Faster: Accounts Receivable Tips
7 min readHow to Get Paid Faster: Accounts Receivable Tips
Guide · Fidelity Funding
Business Credit Scores: The Basics
6 min readBusiness Credit Scores: The Basics
Guide · Fidelity Funding
How to Build Business Credit Step by Step
6 min readHow to Build Business Credit Step by Step
Guide · Fidelity Funding
Why You Must Separate Business and Personal Finances
6 min readWhy You Must Separate Business and Personal Finances
Guide · Fidelity Funding
Business Banking Habits That Help Your Funding
6 min readBusiness Banking Habits That Help Your Funding
Guide · Fidelity Funding
Documents You Need for Business Funding
7 min readDocuments You Need for Business Funding
Guide · Fidelity Funding
How Long Does Business Funding Take?
7 min readHow Long Does Business Funding Take?
Guide · Fidelity Funding
What Does a Business Funding Broker Do?
6 min readWhat Does a Business Funding Broker Do?
Guide · Fidelity Funding
Broker vs. Direct Lender: Pros and Cons
7 min readBroker vs. Direct Lender: Pros and Cons
Guide · Fidelity Funding
SBA Loans vs. Alternative Lending
7 min readSBA Loans vs. Alternative Lending
Guide · Fidelity Funding
Line of Credit vs. Term Loan: Which Fits?
6 min readLine of Credit vs. Term Loan: Which Fits?
Guide · Fidelity Funding
Equipment Lease vs. Equipment Loan
7 min readEquipment Lease vs. Equipment Loan
Guide · Fidelity Funding
Invoice Factoring vs. Merchant Cash Advance
7 min readInvoice Factoring vs. Merchant Cash Advance
Guide · Fidelity Funding
Credit Card Processing Fees Explained
7 min readCredit Card Processing Fees Explained
Guide · Fidelity Funding
Interchange-Plus vs. Flat-Rate Processing
7 min readInterchange-Plus vs. Flat-Rate Processing
Guide · Fidelity Funding
Cash Discount Programs and Surcharging
7 min readCash Discount Programs and Surcharging
Guide · Fidelity Funding
PCI Compliance Basics for Small Businesses
7 min readPCI Compliance Basics for Small Businesses
Guide · Fidelity Funding
How to Reduce Chargebacks
7 min readHow to Reduce Chargebacks
Guide · Fidelity Funding
How to Choose a POS System
7 min readHow to Choose a POS System
Guide · Fidelity Funding
How to Read Your Merchant Processing Statement
7 min readHow to Read Your Merchant Processing Statement
Guide · Fidelity Funding
Contactless & Tap-to-Pay for Small Businesses
6 min readContactless & Tap-to-Pay for Small Businesses
Guide · Fidelity Funding
Hidden Credit Card Processing Fees to Watch For
7 min readHidden Credit Card Processing Fees to Watch For
Guide · Fidelity Funding
Managing Fuel Costs in a Trucking Business
7 min readManaging Fuel Costs in a Trucking Business
Guide · Fidelity Funding
The Owner-Operator's Guide to Funding
8 min readThe Owner-Operator's Guide to Funding
Guide · Fidelity Funding
Restaurant Cash Flow: 12 Practical Tips
6 min readRestaurant Cash Flow: 12 Practical Tips
Guide · Fidelity Funding
Planning a Restaurant Renovation Without Closing
6 min readPlanning a Restaurant Renovation Without Closing
Guide · Fidelity Funding
Holiday Inventory Planning for Retailers
6 min readHoliday Inventory Planning for Retailers
Guide · Fidelity Funding
Contractor Cash Flow and Retainage
6 min readContractor Cash Flow and Retainage
Guide · Fidelity Funding
Bridging the Insurance Reimbursement Gap
6 min readBridging the Insurance Reimbursement Gap
Guide · Fidelity Funding
Funding E-commerce Inventory for Q4
6 min readFunding E-commerce Inventory for Q4
Guide · Fidelity Funding
Growing a Salon: When Financing Makes Sense
6 min readGrowing a Salon: When Financing Makes Sense
Guide · Fidelity Funding
HVAC Off-Season Cash Planning
6 min readHVAC Off-Season Cash Planning
Guide · Fidelity Funding
Landscaping Cash Flow Through Winter
6 min readLandscaping Cash Flow Through Winter
Guide · Fidelity Funding
Solving the Staffing Agency Payroll Gap
6 min readSolving the Staffing Agency Payroll Gap
Guide · Fidelity Funding
Cash Needs When Bidding Bigger Construction Jobs
6 min readCash Needs When Bidding Bigger Construction Jobs
Guide · Fidelity Funding
Is a Merchant Cash Advance a Loan?
7 min readIs a Merchant Cash Advance a Loan?
Guide · Fidelity Funding
7 Merchant Cash Advance Myths
7 min read7 Merchant Cash Advance Myths
Guide · Fidelity Funding
When You Should NOT Take Business Funding
7 min readWhen You Should NOT Take Business Funding
Guide · Fidelity Funding
How to Calculate the ROI of Business Funding
7 min readHow to Calculate the ROI of Business Funding
Guide · Fidelity Funding
Debt Service Coverage Ratio (DSCR) Explained
7 min readDebt Service Coverage Ratio (DSCR) Explained
Guide · Fidelity Funding
Managing Multiple Business Debts
7 min readManaging Multiple Business Debts
Guide · Fidelity Funding
How to Negotiate with Lenders and Funders
7 min readHow to Negotiate with Lenders and Funders
Guide · Fidelity Funding
Do You Need a Business Plan to Get Funded?
6 min readDo You Need a Business Plan to Get Funded?
Guide · Fidelity Funding
Startup Funding Options Compared
7 min readStartup Funding Options Compared
Guide · Fidelity Funding
Small Business Grants vs. Loans
7 min readSmall Business Grants vs. Loans
Guide · Fidelity Funding
Business Credit Cards vs. Business Loans
7 min readBusiness Credit Cards vs. Business Loans
Guide · Fidelity Funding
EIN, LLC, S-Corp: Structure and Funding
6 min readEIN, LLC, S-Corp: Structure and Funding
Guide · Fidelity Funding
Can You Get Funding with a Tax Lien?
6 min readCan You Get Funding with a Tax Lien?
Guide · Fidelity Funding
Business Funding After Bankruptcy
6 min readBusiness Funding After Bankruptcy
Guide · Fidelity Funding
How Judgments Affect Business Funding
6 min readHow Judgments Affect Business Funding
Guide · Fidelity Funding
Funding Renewals: How Repeat Funding Works
6 min readFunding Renewals: How Repeat Funding Works
Guide · Fidelity Funding
How to Prepare for Your Funding Specialist Call
6 min readHow to Prepare for Your Funding Specialist Call
Guide · Fidelity Funding
15 Questions to Ask Before Accepting Funding
6 min read15 Questions to Ask Before Accepting Funding
Guide · Fidelity Funding
Building a Business Emergency Fund
6 min readBuilding a Business Emergency Fund
Guide · Fidelity Funding
Small Business Strategies for High Costs
7 min readSmall Business Strategies for High Costs
Guide · Fidelity Funding
Pricing for Profit: A Small Business Guide
7 min readPricing for Profit: A Small Business Guide
Guide · Fidelity Funding
Gross Margin vs. Net Margin
7 min readGross Margin vs. Net Margin
Guide · Fidelity Funding
Why Profitable Businesses Still Run Out of Cash
7 min readWhy Profitable Businesses Still Run Out of Cash
Guide · Fidelity Funding
Hiring Your First Employee: The Real Costs
7 min readHiring Your First Employee: The Real Costs
Guide · Fidelity Funding
Negotiating a Commercial Lease
8 min readNegotiating a Commercial Lease
Guide · Fidelity Funding
The Second-Location Readiness Checklist
7 min readThe Second-Location Readiness Checklist
Guide · Fidelity Funding
Customer Acquisition Cost and Payback
7 min readCustomer Acquisition Cost and Payback
Guide · Fidelity Funding
How ACH Payments Work for Businesses
7 min readHow ACH Payments Work for Businesses
Guide · Fidelity Funding
Business Funding Terms Every Owner Should Know
8 min readBusiness Funding Terms Every Owner Should Know
Guide · Fidelity Funding
Year-End Financial Checklist for Small Businesses
8 min readYear-End Financial Checklist for Small Businesses
Guide · Fidelity Funding
Quarterly Estimated Taxes and Cash Flow
7 min readQuarterly Estimated Taxes and Cash Flow
Guide · Fidelity Funding
Bank Statement Business Loans Explained
7 min readBank Statement Business Loans Explained
Guide · Fidelity Funding
Payment Security Basics for Small Businesses
7 min readPayment Security Basics for Small Businesses
Guide · Fidelity Funding
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