One Defining Article. Every Week.
The complete collection of Trovo Capital frameworks, field guides, and original analysis, written for founders making consequential business and funding decisions.
The complete collection
20 weekly originals
Why 60% of Online Lender Borrowers Paid More Than They Expected
The Federal Reserve asked 6,525 small employers what their financing actually cost. Online lender borrowers were nearly twice as likely as bank borrowers to say it cost more than they expected.
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Find Your Debt Service Floor Before You Borrow
A loan payment is only affordable if your business can carry it through an ordinary bad month, not just a good one.
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How to Compare Bank Loans, SBA Loans, Cards, Personal Credit, and MCAs
Compare funding options by repayment source, term, total cost, collateral exposure, and how much operating flexibility they leave behind.
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The 90 Day Fundability Plan: What to Fix Before You Apply
If you have 90 days before you need capital, use them to close the obvious gaps lenders and investors see in every application.
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Three raise-sizing mistakes founders make, and how to fix them
Most founders get the size of their raise wrong; here are the three common mistakes and the practical fixes we use with clients.
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The Trovo Method: Four Tests Before You Say Yes to Capital
Before you accept a term sheet, run the four tests we use to turn a fundraising decision from a hope into a data-driven choice.
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Independence, 250 Years On: What the Founding Era Still Teaches Builders
From the Trovo team: on America's 250th, what the founding-era spirit of independence and durable building still has to teach the entrepreneurs putting something on the line today.
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The 90-Day Foundation: What to Build Before You Need Money
From the Trovo team: a 90-day plan to get your business fundable before you need capital, so the options are open when the moment comes.
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From Funded to Deployed: Turning Capital Into Real Growth
From the Trovo team: getting funded is the easy part. The businesses that win have a plan for the money before it lands, not after.
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The Credit Utilization Trap That Quietly Kills Funding Rounds
From the Trovo team: high utilization can sink an approval even when you pay everything on time. Here is how the trap works and how to stay ahead of it.
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Why Your Business Structure Decides Your Funding Ceiling
From the Trovo team: how your entity, ownership, and setup quietly set the limit on what you can qualify for, long before you ever apply.
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0% Intro APR vs. Term Loans: When Each Actually Makes Sense
From the Trovo team: 0% intro credit and term loans solve different problems. A simple way to tell which instrument fits the job in front of you.
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The Funding Readiness Checklist: What Lenders and Issuers Actually Look At
From the Trovo team: the items lenders and card issuers actually review before they approve, and how to get your file in order before you apply.
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When AI Should Help Your Funding Strategy
From the Trovo team: AI can sharpen a funding strategy, but it should not turn borrowing into an autopilot decision.
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How to Sequence 0% Credit Before a Term Loan
From the Trovo team: 0% business credit and term debt can work together, but only if the order protects your future loan file.
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The 13-Week Cash Test Before You Borrow
From the Trovo team: a simple 13-week cash forecast will tell you whether capital solves the problem or only delays it.
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The Debt Stack Audit: What to Fix Before You Borrow Again
From the Trovo team: the simple audit we use to help founders understand whether their current debt stack is helping the business or quietly compressing it.
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Borrow, Sell Equity, or Wait: A Founder Decision Tree
From the Trovo team: a practical decision tree for choosing between debt, equity, and waiting before you put your business on the hook for capital.
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The First Credit Line Should Be Boring
From the Trovo team: why the best first business credit line is usually the least exciting one, and how founders should use it to build leverage before they need it.
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The Trovo Method: Five Questions to Answer Before You Apply for Any Funding
From the Trovo team: the five questions we walk every founder through before they apply for a single dollar of capital. Get these right and the rest of the funding journey becomes mechanical.
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