EXCEL CAPITALMANAGEMENTBUSINESS EDUCATION & FUNDING GUIDANCE
Business funding
to help you grow.
Explore small business loans and financing for working capital, equipment, and growth, with practical education to help you make informed decisions.
affecting your credit*
*Submitting your application does not require a hard credit inquiry. Some lenders may require one before funding. We’ll notify you before any hard inquiry.
Where Ambition
Meets Excellence
Learn
Understand the essentials
Plain-language guides for the decisions business owners face every day.
Visit Business Education →
Plan
Prepare your next move
Use business loan calculators and resources to consider your options.
Explore tools & resources →
Fund
Explore your options
Learn about funding products and take the next step when you’re ready.
Compare My Options →BUSINESS EDUCATION
A stronger business starts
with a clearer understanding.
Understand business finances, prepare your records, and approach funding decisions with better information.
View all guides →
BUSINESS ESSENTIALS
EIN Lookup: How to Find Your Tax ID Number
Learn where to look for your business’s existing EIN and which records to check.
Read the guide →
BUSINESS FINANCES
Retained Earnings: Formula, Examples & Funding Impact
Understand retained earnings and their role in your business finances.
Read the guide →FROM THE EXCEL BLOG
Keep learning.
Keep moving forward.
Explore funding explanations, business insights, and practical resources.
Explore the blog →OUR PRODUCTS
Explore business financing options.
Find a starting point based on how you plan to use the funds. Costs, qualifications, and repayment schedules vary by product and provider.
Business line
of credit
Access a revolving credit limit for recurring expenses, inventory, or cash-flow gaps. Understand draw fees, repayment schedules, and renewal requirements before choosing a line.
Explore business lines of credit →02 / PLANNED INVESTMENTBusiness term
loans
Borrow a lump sum for a planned investment or business expansion and repay it over an agreed term. Compare total repayment, payment frequency, and any early-payoff conditions.
Explore term loans →03 / EQUIPMENTEquipment
financing
Finance machinery, vehicles, or other business equipment. Compare financing and leasing, including down payments, ownership, and how the equipment may secure the agreement.
Explore equipment financing →04 / LONGER-TERM GOALSSBA
loans
Explore SBA-backed financing for eligible business needs. Learn how program requirements, permitted uses, documentation, and lender review affect the application process.
Explore SBA loans →Looking for a broader overview? Compare small business loan options or use our business loan calculators to explore repayment scenarios.
WHY EXCEL
Understand what you’re
signing up for.
Our goal is to help business owners understand the funding programs they’re considering, from the cost to the repayment structure.
Learn about Excel →Know the costs
Look at fees and total repayment, not just the funding amount.
Understand the terms
Consider payment timing, obligations, and the effect on cash flow.
Ask questions
Get the explanations you need before deciding on your next step.
YOUR NEXT STEP
Ready to explore business funding?
Tell us about your business and the funding you need. Start your application when you’re ready.
