Business funding and credit, explained kindly
From first sale to big deals, funding explained.
Plain-language guides for new and small business owners about SBA loans, working capital, credit lines, equipment and business credit — and, when you want them, a short list of companies to explore, one at a time.
What would you like to learn about?
Each topic opens a plain-language guide for business owners, with official sources.
- Working capital
- Equipment
- Line of credit
- First business card
- SBA loans
- Refinance or consolidate
- Maturity or balloon refinance
- Commercial real estate or construction
- Payroll
- Starting out
- Free to use
- No credit check to browse
- About two minutes
- Education, not advice
How it works
Learn first. Explore when you’re ready.
Step 1
Learn the basics
Plain-language guides explain how each kind of business funding works, what to compare and what to ask.
Step 2
Answer a few questions
11 short questions: what you need, roughly how much, and a little about the business. Your credit score is your own estimate; no credit check.
Step 3
Explore, one at a time
Up to six companies to look at, each in a new tab. Open, pass or come back later. You decide.
Try it: what would you like to explore?
Why BizKindly
Kind to your time, your data and your trust
Plain language
Learn before you look
Guides that explain how each option works, what it can cost and what to ask, with links to the SBA, IRS and other official sources.
Private by design
Your details stay with us
Your answers are encrypted on our server and never put in a web address. A company receives your name or email only if you open its option and it is set up to receive them.
Privacy policyOpen about money
How BizKindly gets paid
Companies pay us through an affiliate network, usually when someone we refer submits their details on their site. That pay affects which options we show and the order they appear in.
Advertiser disclosure
Starting out
Your first year, one step at a time
Forming the business, opening a bank account, building business credit, keeping the books and getting loan-ready.
- Starting outFirst-year checklistSetup, habits and deadlines for a business’s first year, in order, with a guide for each step.Read the guide
- Starting outBusiness formationThe main business structures, the S corp election, EINs, registered agents and licenses, explained.Read the guide
- Starting outSeparate your financesWhy separation matters, how to open a business account, and how owners pay themselves.Read the guide
- Business credit guideBuild business creditThe usual order of steps for building a business credit file, from EIN and bank account to vendor accounts and a first card.Read the guide
- Business credit guidePersonal vs. business creditWho keeps each file, what identifies it, and how personal guaranties and card reporting tie the two together.Read the guide
- Business credit guideBusiness credit scoresWhat the main business credit scores measure, why each bureau differs, and what tends to move them.Read the guide
Funding guides
How business funding works
Clear, independent explainers for each kind of financing, with official sources.
- Business loans guideSBA loansHow the SBA’s 7(a), 504 and microloan programs work, who makes the loans and what lenders ask for.Read the guide
- Business loans guideWorking capital loansHow short-term business loans for operating costs work, what they cost and what to ask.Read the guide
- Business credit guideBusiness line of creditHow revolving business credit works, secured versus unsecured lines, and the fees to compare.Read the guide
- Business credit cards guideFirst business credit cardHow business cards work, why most carry personal guarantees, and how they can affect your credit.Read the guide
- Business financing explainedEquipment financingEquipment loans versus leases, buyout options, liens and the costs to compare.Read the guide
- Business financing explainedBusiness refinanceReplacing existing business debt with new financing: how it works and what to compare.Read the guide
- Business refinance guideLoan maturity and balloon refinanceBalloon payments, renewal versus refinancing, prepayment terms and a general timeline to plan around.Read the guide
- Business financing explainedConstruction loansFinancing to build, expand or renovate commercial property, released in stages as work is done.Read the guide
- Business financing explainedPayroll financingThe forms of short-term funding businesses use to cover payroll, and what each really costs.Read the guide
Last updated .
Questions
Good questions, plain answers
What is BizKindly?
An education site for new and small business owners: plain-language guides about funding, credit and running a business, and, if you want it, a short list of companies to explore one at a time.
Does answering the questions check my credit?
No. Our questions involve no credit check; the credit score you choose is your own estimate. If you open a company’s site and apply there, that company may check your personal or business credit; its own site explains how.
How does BizKindly get paid?
BizKindly is paid by advertisers; this affects which options appear and in what order.
What happens to my details?
They are kept on our server, encrypted, and never put in a web address. We may email you about the options from your visit. A company receives your name or email only if you open its option and it is set up to receive them. We never sell your details.
Is BizKindly a lender or a broker?
No. BizKindly does not make loans, does not negotiate terms and does not take applications. Every decision is made by the company you choose to contact, on its own site.
Is this financial advice?
BizKindly is an education site, not a lender, broker or adviser. Nothing here is financial, legal or tax advice, and we do not decide whether any company will work with your business.
See a short list of options to explore.
A few short questions about your business, then up to six companies, one at a time. Free, no credit check, and nothing is decided for you.
Find my options