SHIMCAPITAL Get Funded →

The Shim Capital Blog

Capital strategy for business owners

How Much Working Capital Does Your Business Actually Need?

Ask for too little and you're back in 60 days; too much and you pay for idle money. Here's how to size a facility to your real cash-flow gap.

5 min read · Updated June 2026
SBA Loan vs. Fast Online Funding: How to Choose (and When Speed Beats Rate)

An SBA loan is the cheapest money most owners can get — and the slowest. Here's how to decide when it's worth the wait and when faster funding wins the deal.

6 min read · Updated June 2026
How Merchant Cash Advance Funding Actually Works — From the Funder's Side

A plain-English look at how an MCA is priced, approved, and repaid — so you can tell a fair offer from a bad one before you sign.

6 min read · Updated June 2026
Term Loan vs. Line of Credit vs. MCA: Matching Capital to Your Growth Stage

The right funding product depends less on rate and more on what stage your business is in and what the money is for. Here's how to match them.

7 min read · Updated June 2026
When It Makes Sense to Refinance or Consolidate Business Debt (and When It Doesn't)

Stacking advances feels like a fix and usually isn't. Here's how to tell whether refinancing your business debt actually helps — or just resets the clock.

6 min read · Updated June 2026
What Funders Actually See in Your Bank Statements (And How to Look Fundable)

Before you apply, know what an underwriter reads in your last 4 months of statements — and the small fixes that turn a thin file into an approval.

6 min read · Updated June 2026
Funded in 24 Hours: What 'Fast' Business Funding Actually Requires

Same-day funding is real — but it depends on you, not just the funder. Here's what makes a deal move fast, and what quietly drags it out.

5 min read · Updated June 2026
5 Reasons a Business Funding Application Gets Declined (and How to Fix Each)

Most funding declines come down to five fixable things. Here's what makes underwriters say no — and the practical fix for each before you reapply.

6 min read · Updated June 2026