Where should you start?
If you are preparing to apply, start with qualifications and documents, then read how underwriting and the process timeline work. If your bank just changed your line, go straight to the bank relationship guides. If you are deciding between products, the line versus term loan comparison is the fastest way to narrow the choice.
- Preparing: qualifications and documents checklist
- Bank changes: reduced line and frozen line
- Choosing a product: line vs term loan
How are these guides written?
Each guide opens with a direct answer, then explains the trade-offs, including when a product is the wrong choice. We avoid promises and specific rates, since terms vary by funder and profile. For legal or tax questions, we point you to your attorney, CPA or the official agency.
When you are ready to put the guidance to work, start one application and 1Prime Capital will compare options from our funding partners.
Frequently asked questions
Are these guides financial or legal advice?
No. They are general educational content for business owners. Loan terms vary by funder and profile, and legal and tax questions should go to your attorney or CPA.
Can I use these guides to prepare before applying?
Yes. The documents checklist, underwriting guide and DSCR guide are designed to help you organize your file and set realistic expectations before you apply.
How often are the guides updated?
We review guides as market practices and our funding partners' programs change. Specific program rules, such as SBA requirements, should always be confirmed with the official agency.
Ready to move from reading to funding?
Share your business basics once, and we will compare options from our funding partners.
Updated September 14, 2026 · 1Prime Capital Funding Team