Every funding product. Honestly priced.
Fourteen funding products, three categories, one apply form. Real pricing ranges instead of "rates as low as." Real qualification thresholds instead of "good credit a plus." Pick the right product, then we shop it across 70+ lenders.
Speed over price
When the use case justifies the premium — emergency repairs, time-sensitive opportunities, gap funding between contracts — these products fund in 24–72 hours but cost materially more than bank financing. Use them deliberately, with an exit plan.
A purchase of future receivables, paid back via a percentage of daily sales. Fastest-funding product on the market for sub-prime credit.
Revolving credit you draw against as needed. Pay interest only on what you use. The most flexible working-capital tool when you qualify.
Short-term loans (3–18 months) for operating expenses. Faster than SBA, cheaper than MCA, often the right middle path for healthy businesses.
Sell unpaid invoices to a factor for ~80–95% of face value. They collect from your customer. You get cash now instead of waiting Net-30/60/90.
Capital repaid as a percentage of monthly revenue until a fixed multiple is delivered. Smooths slow months, but total cost is similar to mid-tier MCAs.
Short-term capital structured around payroll cycles. Bridges receivables-to-payroll gaps for service businesses with slow-paying enterprise customers.
Cheaper, slower, structural
Multi-year products for capital expenditures, acquisitions, real estate, equipment, and long-term growth. Lowest costs in small business financing — SBA in particular — but expect 30–90 days of underwriting and significant documentation.
Lump sum, fixed monthly payment, fixed term. The traditional small business loan structure. Predictable, amortized, balance-sheet-friendly.
Government-guaranteed loans with the lowest small business APRs available. Substantial paperwork, but the cheapest capital you can find when you qualify.
Equipment-secured loans where the equipment itself is the collateral. Looser credit requirements because the lender can repossess. Often funds when other products won't.
Loans for purchasing or refinancing owner-occupied or investment commercial property. Long terms, lower rates than unsecured products, real estate as collateral.
Capital for businesses under 6 months old, including credit-based financing programs that work without revenue history. Limited options, higher rates, but available.
Home equity line of credit deployed as business capital. The cheapest unsecured-feel product on the market — but you're putting your house on the line.
Niche structures
Specialized products for specific situations — supplier financing, credit-building infrastructure, and other niches that don't fit the fast-vs-growth dichotomy.
Capital advanced against confirmed purchase orders, paid directly to your supplier. You fulfill the order; the lender gets paid when the customer pays you.
Structured products to build a paydex score, NAV credit history, and tradelines that qualify your business for cheaper financing in 6–12 months.
All 14 products at a glance
The same data on the cards above, rearranged for fast comparison. Sorted by funding speed (fastest first). Click any product name to read its full editorial coverage.
| Product | Amount | Cost | Term | Min FICO | Speed |
|---|---|---|---|---|---|
| Merchant Cash Advance | $5K–$2M | 1.10–1.55× factor | 4–18 mo | 500+ | 24–72 hr |
| Working Capital | $10K–$500K | 10–60% APR | 3–18 mo | 580+ | 1–3 days |
| Payroll Financing | $25K–$2M | 15–60% APR | 2–12 mo | 580+ | 1–3 days |
| Line of Credit | $10K–$500K | 15–75% APR | 6–24 mo | 600+ | 1–5 days |
| Equipment Financing | $10K–$5M | 8–30% APR | 2–7 yr | 620+ | 2–10 days |
| Revenue-Based Financing | $25K–$3M | 1.3–1.6× multiple | Variable | 600+ | 3–7 days |
| Purchase Order Financing | $25K+ orders | 1.5–6%/mo | 30–90 days | 620+ | 3–7 days |
| Invoice Factoring | $5K–$5M | 1–5%/mo factor fee | Net-30/60/90 | Customer credit | 1–7 days |
| Startup Funding | $10K–$250K | 15–40% APR | 1–5 yr | 700+ | 3–14 days |
| Term Loans | $25K–$2M | 8–30% APR | 1–5 yr | 650+ | 1–3 weeks |
| Commercial Real Estate | $100K–$10M+ | 7–13% APR | 15–25 yr | 680+ | 30–60 days |
| Business HELOC | Up to 80% equity | 8–13% APR | 10+20 yr | 680+ | 30–45 days |
| SBA Loans | $30K–$5M | 9.75–13.25% APR | 7–25 yr | 680+ | 30–90 days |
| Business Credit Building | Variable | Program fees | 3–12 mo | Any | 3–6 months |
Match the use case to the product.
Need cash this week. MCA, working capital, or LOC. MCAs fund fastest but cost most. LOC is cheaper but requires 600+ FICO and 1+ year in business. Working capital is the middle path. Use the MCA calculator to see what each option actually costs before you commit.
Buying equipment, real estate, or another business. Equipment financing or SBA. Equipment loans use the equipment as collateral and approve faster. SBA takes longer but offers materially lower rates. For real estate specifically, commercial real estate loans or SBA 504.
Have unpaid invoices and need cash now. Invoice factoring. Lenders look at your customer's credit, not yours. Healthy B2B businesses with slow-pay enterprise customers find this product transformational.
New business, less than a year old. Startup funding, business credit building, or HELOC if you have home equity. Most lenders require 6+ months in business; the products in this category are built around that gap.
Just want the cheapest capital available. SBA, period. 9.75–13.25% APR, 7–25 year terms, government-guaranteed. The tradeoff is 30–90 days of underwriting. Worth it if you have time and qualify.
Or skip the diagnosis — submit one application and we'll match you to the right product across our 70+ lender network. Apply once, see all your options →
One application. 70+ lenders. Multiple offers.
Picking the right product is half the battle. The other half is finding the lender that prices your specific deal best. We do that part — submit one application and our team shops it across our 70+ lender network. No hard credit pull. No obligation. Free.