Capova CapitalResources

The things owners google at 2am.

Written by the desk that actually underwrites these files. No gated PDFs, no lead-capture wall — the whole answer is on the page.

MCA payoff

How to get out of a merchant cash advance

Six real ways out of an MCA — payoff discounts, consolidation, refinancing into a HELOC, reconciliation, settlement, and restructuring — and how to tell which one fits your business.

9 min read
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Cost comparison

Business HELOC vs. merchant cash advance: the real cost

Factor rates are not interest rates. A side-by-side look at how an advance and an equity line actually price out, what each does to cash flow, and when the advance is still the right call.

7 min read
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Investment property

What is a DSCR loan, and how is the ratio calculated?

DSCR loans qualify on the property's rent, not your tax returns. How the ratio is calculated, what number you need, and what disqualifies a file before it starts.

6 min read
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SBA 7(a)

The SBA 7(a) document checklist, stage by stage

Everything an SBA 7(a) file asks for, organized by stage — pre-qualification, underwriting, and closing — plus the eight knockouts worth screening before you start.

8 min read
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Business HELOC

How a business-purpose HELOC actually works

What separates a business-purpose HELOC from a consumer one, how lien position and DTI drive approval, and what the file asks for when tax returns are not part of it.

6 min read
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