Harborway Capital guides

Guides

What owners ask us most about business lines of credit, equipment financing and merchant cash advances, answered in dollars, including what happens when things go wrong.

business line of credit

Business Line of Credit: How It Works, Costs and Who Qualifies

A business line of credit is a set limit you can draw on, repay, and draw on again, and you pay interest only on what you use. Bank lines usually cost the least

8 min read·Oct 31, 2026

merchant cash advance

Merchant Cash Advance: How It Works and What It Really Costs

A merchant cash advance gives you a lump sum in exchange for a fixed share of your future card sales or bank deposits, repaid until a set total is reached. That

9 min read·Oct 31, 2026

equipment financing

Equipment Financing: How It Works, Costs and Who Qualifies

Equipment financing is a loan or lease where the machine, vehicle or tool you buy secures the payment, so approval depends on the equipment and your cash flow a

9 min read·Oct 31, 2026

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