The world of commercial finance is complicated. It is suggested that all businesses consult with their trusted advisors (CPA, Attorney, or Partner) before entering into any financing transaction that will have long term effects on their business. The following statements are the opinions based on the dictionary definitions herein below. 

Merriam-Webster Online Dictionary Abridged Definitions: 

MYTH:
Pronunciation: 'mith
Function: noun
Etymology: Greek mythos
1 a: a usually traditional story of ostensibly historical events that serves to unfold part of the world view of a people or explain a practice, belief, or natural phenomenon.
2 a: a popular belief or tradition that has grown up around something or someone; especially: one embodying the ideals and institutions of a society or segment of society
2 b: an unfounded or false notion 

FACT:
Pronunciation: 'fakt
Function: noun
Etymology: Latin factum, from neuter of factus, past participle of facere
1: a thing done
2: the quality of being actual
3 a: something that has actual existence
3 b: an actual occurrence
4: a piece of information presented as having objective reality- in fact: in truth

 A fool and his money are easily parted

FINANCIAL MYTH: No. 1
Finance companies that promise funding in 24-48 hours are the best choice.

FINANCIAL FACT:
Unless you are desperate for funding, you should take time to compare alternatives, read the proposed contracts, and consult with your advisors.