About
Research on commercial financing for U.S. business owners — from Jon Lynch Financial Group.
Jon Lynch Financial Group works with U.S. business owners on commercial financing — revenue-based financing, SBA loans, commercial real estate lending, working capital, business lines of credit, and term loans.
What you'll find here
This is our research library. Each guide covers one financing structure or one industry, and tries to answer the questions that actually decide a deal: what the real cost is, what underwriters look at, what disqualifies an application, and when a different structure is the better fit.
We write about the tradeoffs, including the ones that argue against borrowing. A guide that only ever says "apply now" isn't research.
Browse by topic
- SBA Loans — eligibility, collateral, franchise and veteran-owned acquisitions
- Commercial Real Estate — capital stacks, bridge loans, multifamily and medical office
- Working Capital — industry-specific guides for contractors, retail, e-commerce, professional services
- Merchant Cash Advance — factor rates, holdbacks, and revenue-based alternatives
- Lines of Credit — revolving facilities and qualification with imperfect credit
- Business Credit — tradelines, corporate scores, personal-guarantee alternatives
- Term Loans — equipment-heavy and seasonal cash-flow structures
- Business Funding — access-focused guides for women- and minority-owned businesses
- Broker Resources — for brokers and producers
Working with us
Jon Lynch Financial Group is a commercial finance brokerage. We are compensated by funding partners, which means the structure we recommend and the one that pays best are not always the same — so we tell you when they differ.
To discuss a specific situation, start at jonlynchfinancial.com.
Editorial note
Everything here is general information for business owners, not an offer of credit, a commitment to lend, or financial, legal, or tax advice. Rates, factor rates, terms, and eligibility vary by funder, jurisdiction, and applicant, and change over time. Figures cited reflect market conditions at the time of writing. Confirm current terms with the funder and your own advisors before acting.