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Personal Guarantee

What Is a Personal Guarantee on a Business Loan and Why We Don’t Require One

As a business owner, it’s important to know what a personal guarantee on a business loan is - and, most importantly, that there are alternative funding options that don’t require one.

Debt Covenants

What Are Debt Covenants and Why Lighter Capital Rarely Uses Them on Loans

Debt covenants are promises borrowers make to engage or refrain from a specific action in return for a loan. Here's a rundown of everything founders should know about covenants - and why we don't use them on most loans.

Business Loan Cost of Capital

Considering a Business Loan? Don’t Ignore the True Cost of Capital

When considering a business loan to finance your capital needs, you’ll no doubt encounter a number of funding options - but beware of the true cost of capital. Here's what to look out for.

Revenue-Based Financing and Venture Capital Work Together

How Revenue-Based Financing and Venture Capital Funding Work Together

Beyond extending access to non-dilutive funding, Lighter Capital believes in building long-term relationships with entrepreneurs and venture capital (VC) investors. Our model thrives on collaboration with startup founders and with VCs.

Tech Bank

What Is the Best Tech Bank for Financing Startups?

There are a variety of tech banks out there that are friendly to SaaS companies, but the banking world still feels relatively hostile to SaaS founders. So, what's a SaaS founder to do? We explore your options.

business line of credit

Business Lines of Credit: What SaaS Startups Need to Know

A business line of credit is an excellent choice of working capital for a growing venture. In this article, we explain how a business line of credit works, where to get one, the benefits of the Lighter Line of Credit, and what you need to qualify.

term loan

What Is a Term Loan and How to Get a Loan for Your Small Business

A small business term loan can be an excellent way to get your startup off the ground, but what is a term loan, what are the pros and cons, and how can you get one?

debt financing startups

4 Debt Financing Sources for Pre-Venture Capital Backed Startups

There are excellent arguments for seeking debt capital instead of venture funding. In this article, we'll cover the 4 most common sources of debt capital for pre-VC funded startups.