The Hero’s Journey to Capital: An Entrepreneur's Guide to Funding Long-Term Business Growth
Available February 10th, 2026
Your business isn’t struggling... your access to capital is.
Because most entrepreneurs don’t fail from lack of effort or ideas. They fail because no one ever taught them how the money game works, how lenders think, why banks deny great businesses, and what it really takes to get the funding that fuels long-term growth.
In The Hero’s Journey to Capital, Zachary Siegel speaks directly to the real challenges entrepreneurs face: cash flow gaps, confusing lender criteria, harmful funding decisions caused by lack of education, and the feeling of being shut out of opportunities simply because the system wasn’t built for small business owners.
Drawing from years inside the lending world and from guiding business owners through real financial challenges, he offers a clear, strategic roadmap to becoming fully fundable — no matter where you’re starting.
Through practical insights, modern funding strategies, and transparent guidance, this book shows you how to confidently navigate today’s financing landscape, avoid costly mistakes, and finally access the capital that helps your business grow on your terms.
Inside, you’ll discover:
✔ Why strong, profitable businesses still get denied and how to fix it
✔ How the 3 C’s of lending actually work (and how to use them to your advantage)
✔ Modern funding options that don’t require perfect credit or years in business
✔ How to build personal and business credit that lenders trust
✔ How to avoid taking on the wrong loan at the wrong time and set yourself up for long-term, affordable capital.
This isn’t a book about finances. It’s about funding power and giving entrepreneurs the clarity and confidence to get the capital their business deserves.
Does this sound familiar?
You’ve tried to grow your business, only to be denied for the funding you need. You hit the revenue goals, you hustle, you do everything right… yet the bank still says “not enough history,” “not enough credit,” “not enough collateral.” It feels like no matter how hard you work, the door to real capital never fully opens.
You’ve felt the cash-flow squeeze when customers pay late but expenses don’t wait. Payroll is due now. Inventory needs restocking now. Opportunities show up now. But deposits hit your account 30–60 days later. You’re profitable on paper — yet always playing catch-up in real life.
You’ve been tempted by fast funding… then realized the terms were a trap. Maybe it was an MCA with daily payments. Maybe it was a credit line with sky-high fees. Maybe the rates didn’t look bad until you did the math. You want to grow but not by sacrificing tomorrow for today.
If any of this sounds like you, join the waitlist.
Meet the author
Zach Siegel
Zach Siegel founded Small Biz Heroes at the height of the COVID-19 pandemic, when heroes, especially in healthcare, emerged to face unprecedented challenges. In that spirit, Zach launched Small Biz Heroes with a singular mission: to help entrepreneurs find the right loans from the broadest array of options.
“To be successful in business, it takes grit and persistence. Those who survive and prosper, especially in challenging times, are heroes.” Zach says. His mission is to help small businesses succeed by matching them with competitive loans unknown to most companies and ignored by most brokers.
“At Small Biz Heroes, we focus on finding the best loan for our clients, not the one that yields the highest returns for us,” says Zach. “We review up to 10-30 options, including government programs that may not be as profitable for us but work best for our clients. Our priority is to ensure our customers continue to thrive, as that’s what sustains our long-term success.”
Zach explains that Small Biz Heroes goes through a discovery process with the client before recommending a loan. He understands that different industries require different financing solutions. . His goal is to align each entrepreneur’s business trajectory with the appropriate loan, ensuring it’s never more than what makes sense for their growth. There should be a sound plan for generating receivables that make the cost of the loan a small detail in a larger, growth minded financial picture.
With a track record of over 1,000 loans and tens of millions of dollars distributed, Zach Siegel deeply understands the needs of small businesses–because he’s one of them.
Small Biz Heroes acts as both a business adviser and a guide to effective borrowing, ultimately becoming a hero that supports heroes.
