Financing
Six ways to fund your business
Different problems need different capital. Here is the honest version of what each product costs, how fast it moves, and who it actually suits.
Merchant cash advance
Turn future receivables into capital today
- Amount
- $5,000 – $500,000
- Speed
- Funded in as little as 24 hours
Working capital loan
A fixed-term business loan with predictable payments
- Amount
- $10,000 – $600,000
- Speed
- Decision same day, funding in 1 – 3 days
Business line of credit
Draw what you need, pay for what you use
- Amount
- $10,000 – $250,000
- Speed
- Approved once, draws land same day
Equipment financing
Finance the machine and let it pay for itself
- Amount
- $5,000 – $1,000,000
- Speed
- Approval in hours, vendor paid in 1 – 3 days
Invoice factoring
Get paid now on invoices your customers will pay in 60 days
- Amount
- Up to 90% of invoice face value
- Speed
- Advance in 24 – 48 hours of verification
SBA loans
The cheapest capital available, if you can wait for it
- Amount
- $50,000 – $5,000,000
- Speed
- 30 – 90 days to close
Compare
Side by side, no spin
One table, all six products. Cheapest capital sits at the bottom and takes the longest; fastest sits at the top and costs the most.
| Product | Amount | Term | Speed | Cost |
|---|---|---|---|---|
| Merchant cash advance | $5,000 – $500,000 | 3 – 18 months | Funded in as little as 24 hours | Fixed factor rate, quoted upfront |
| Working capital loan | $10,000 – $600,000 | 6 – 36 months | Decision same day, funding in 1 – 3 days | Fixed rate with a set payment schedule |
| Business line of credit | $10,000 – $250,000 | Revolving, 6 – 12 month draw periods | Approved once, draws land same day | Interest on the drawn balance only |
| Equipment financing | $5,000 – $1,000,000 | 12 – 72 months | Approval in hours, vendor paid in 1 – 3 days | Fixed monthly payment, equipment as collateral |
| Invoice factoring | Up to 90% of invoice face value | Per invoice, until your customer pays | Advance in 24 – 48 hours of verification | A discount fee per invoice, tied to days outstanding |
| SBA loans | $50,000 – $5,000,000 | 10 – 25 years | 30 – 90 days to close | Lowest rates of anything we offer |
Not sure which one?
Tell us the problem — payroll gap, new truck, slow invoices — and we will name the right product, even when it is the cheaper one.
One application, all six
You apply once. We match your file against every program you qualify for instead of forcing you into a single product.
Stacking, honestly
Products can be combined — a line of credit alongside equipment financing, for example — but we will not pile on debt your cash flow cannot carry.
Working capital, without the waiting room
One short application, three bank statements, and a decision the same business day. Applying will not affect your credit score.