Fundseta › Funding guides
Small Business Loan & Funding Guides
Updated October 18, 2026
Free, plain-language guides to business loans for bad credit, startup funding with no revenue, payroll and working capital loans, and same-day business funding — for U.S. and Canadian owners whose bank said no, whose customers pay late, or who are just starting out. Pick the situation closest to yours, then check the funding requirements to see which path fits.
Fundseta is a marketplace, not a lender; amounts and terms are set by the providers, and nothing here is an approval.
🚫 Your bank said no: bad credit & declined loans
- Business Loan Declined — Why banks decline small business loans, how to find out your reason, and other kinds of financing owners look at next.
- Business Loans for Bad Credit — How owners with low credit scores explore financing that looks at deposits and revenue as well as the score.
- Business Loan Without Collateral — How unsecured business financing works, what providers look at instead of collateral, and how to check your options.
💸 Cash flow, payroll & working capital
- Need Money for Payroll — What owners do when payday arrives before customer payments do, and the financing types that can bridge the gap.
- Payroll Loans for Small Business — How short-term payroll financing works, what it costs to consider, and how to compare options before you commit.
- Working Capital Loan — What a working capital loan covers, how providers size it from deposits, and when it fits.
- Working Capital Loan for Small Business — How smaller companies use working capital for inventory, wages, and overhead, and what providers review first.
- Line of Credit for Small Business — How a business line of credit works, how it differs from a term loan, and what to review before you apply.
⚡ Fast, same-day & seasonal funding
- Same Day Funding Business Loan — What fast business funding really looks like, which documents speed it up, and why timing is never guaranteed.
- Merchant Cash Advance Direct Lenders — How a merchant cash advance is repaid from sales, the costs to weigh, and how it compares with other options.
- Seasonal Business Loans — How seasonal businesses finance inventory and payroll through slow months, and what providers look at.
🚀 Startup funding with no revenue
- Startup Business Loans With No Revenue — What providers review before your first sale, including personal credit and time in business, and which programs apply.
- Business Loan for New Business No Revenue — Funding paths for brand-new businesses that lean on the owner's profile rather than sales, and what to prepare.
🏭 Industry-specific funding guides
- Working Capital for Trucking Companies — Cover fuel, repairs, and driver pay before the broker pays.
- Contractor Business Loan — How contractors finance materials and payroll while waiting on draws and retainage, and what providers review.
- Restaurant Loans Bad Credit — How restaurant owners with low credit explore financing based on card sales and cash flow.
🧭 Funding by industry
- Trucking funding
- Construction funding
- Restaurant funding
- Auto repair funding
- Retail and ecommerce funding
- Medical and dental funding
- Canada tariff cash-flow funding
See what fits your business
Answer 5 questions to see which business funding path you qualify for.
No hard credit pull. No obligation.