Head-to-Head Funding Comparisons
The trade-offs you're actually weighing — spelled out side by side.
Each comparison walks through the structural difference, when each option fits, what it costs, and how Michael Kodinsky thinks about the decision after 20+ years arranging both. For a full side-by-side of all 12 funding alternatives, see the solutions comparison.
Invoice Factoring vs Asset-Based Lending (ABL)
Two close cousins. Both revolve against your AR. One is a recurring sale of an asset, one is a true line of debt.
Invoice factoring and asset-based lending are close cousins — both revolving lines against AR with a lockbox. Here is how to choose, with real numbers.
SBA 7(a) Loan vs Working Capital Loan (Revenue-Based)
The cheapest capital small businesses can get versus the fastest. Both are real answers — but rarely to the same question.
SBA loans are the cheapest small-business capital out there at Prime + 2–3%. Working capital loans fund in days at 1.25–4% per month. Here is how to choose.
Working Capital Loan vs Revolving Line of Credit
One funds a single use at a fixed monthly payment. The other lets you draw against availability as needs come up. The right answer depends on the shape of the cash gap.
A working capital loan is a one-shot lump sum on a monthly payment. A line of credit revolves so you only pay for what you draw. Here is how to choose.
Bridge Loan vs Term Loan
A bridge loan exits on a specific event. A term loan lives on your balance sheet for years. Different tools for different timelines.
A bridge loan covers a specific timing gap and exits in 30–180 days. A term loan amortizes over 3–7 years. Here is how to choose between them.
Equipment Financing (New Purchase) vs Sale-Leaseback
Two ways to use equipment as capital. One finances a new purchase. The other unlocks the equity in equipment you already own.
Equipment financing funds a new purchase. A sale-leaseback extracts cash from gear you already own. Two products, two very different uses.
