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Understanding Costs.

Every article in understanding costs: straight, jargon-free working-capital education from a direct lender.

Factor Rate vs. Interest Rate: What You're Actually Paying

A factor rate and an interest rate are not the same thing, and confusing them is the most common way business owners misjudge the cost of working capital. Here's how to read each one.

Mitchell LedvenMay 28, 2026Read

Understanding Costs2 min read

Direct Lender vs. Broker: Why It Changes Your Deal

When you apply for working capital, you're either talking to the company funding you or to a middleman. The difference affects your speed, your pricing, and who's accountable.

Mitchell LedvenMarch 4, 2026Read

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Understanding Costs.