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 15+ 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 are 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.
