Education
Understand funding before you apply for it.
Short, practical guides written by the team that places these deals. For deeper training, TK Funding is our free community and every guide here links to the lesson it came from.
Business Funding Basics
How funding works, how to choose, and what lenders look at.
How to choose a funding product
Revolving or lump sum, business or personal, secured or not: the questions that narrow eight options down to one or two.
What lenders actually look at
Credit, time in business, revenue, documentation, and the age of any negative marks: the factors behind most funding decisions.
Funding Products
One plain-language guide per product TK Capital places.
Line of credit vs. term loan
Both fund an established business. One is a reusable limit you draw on; the other is one amount on a fixed schedule.
Equipment financing: what it covers
Vehicles, machinery, technology, and other business equipment, financed with the equipment itself as collateral.
How SBA financing works
Government-backed loans for established businesses: larger amounts and longer terms in exchange for a fuller file and a longer timeline.
Using a HELOC to fund a business
A home equity line of credit can be one of the faster, lighter-documentation ways for a homeowner to fund a business.
0% APR business credit: it's the profile, not the score
Introductory 0% APR business credit cards are qualified on the whole credit profile, which is why two people with the same score can get very different results.
Personal loans: what underwriters look at
Unsecured loans decided on the individual: score tiers, the last twelve months, income, and existing balances.
DSCR explained
Debt Service Coverage Ratio: how an investment property qualifies on its own rent, and the three numbers that decide it.
Credit and Fundability
How personal and business credit shape what you can access.
How personal credit affects business funding
Even for a business loan, the owner's personal profile usually decides what's available. Here's why, and what moves the needle.
For Partners
Recognizing opportunities in the conversations you already have.
Spotting funding needs in your network
For realtors, CPAs, mortgage and insurance professionals, coaches, and brokers: the signals that a client is about to need capital or credit help.
Free community
Go deeper, free, inside TK Funding
Our free community with deeper training on funding, credit, and building a referral business.