Business Term Loan
A lump sum at a fixed rate, repaid on a schedule set before you sign.
- Funding amount
- Up to $1M
- Rate
- Starting at 5.5%
$5,000 – $500,000
Business Cash Advance
An advance against future sales, collected as those sales come in.
- Funding amount
- $5K – $500K
- Repayment
- Daily or weekly ACH
- Factor rate
- 10% – 35%
- Funded in
- 24–48 hours
Cash Advance
What cash advance actually is
A cash advance is not a loan. It buys a fixed share of the business's future card sales at a discount, and it is collected as those sales arrive — so a quiet week collects less and a busy week collects more. For a seasonal business that is the entire point of it.
It leans on takings rather than on a credit file, which is why it approves where the rest of this list declines. It is also priced as a factor rate rather than interest, so clearing it early does not make it cheaper, and at the top of the range it is the most expensive money here. Read the figure out loud before signing it.
What it gives you
Why a business takes this one
- Approves on takings, not credit score
- Repayment moves with sales
- No collateral required
- Priced as a factor rate, not interest
The application
One application, all six programs
About fifteen minutes, no fee, and no hard credit check to see what comes back. A funding expert is your single point of contact from there.
Rather talk to somebody first? (866) 221-4047.
What can fund it
This one, and what the others reach
Business Line of Credit
A limit you draw on when you want it, paying interest only on what you take.
- Funding amount
- Up to $1M
- Rate
- Starting at 4.5%
Business Working Capital
Money for running the business at the size it already is.
- Funding amount
- Up to $1M
- Rate
- Starting at 4.5%
Short-Term Business Loan
A term loan with the term cut down, for a cost that has already landed.
- Funding amount
- $10K to $1M
- Rate
- Beginning at 6%
Business Cash Advance
An advance against future sales, collected as those sales come in.
- Funding amount
- $5K – $500K
- Factor rate
- 10% – 35%
Equipment Financing
Buy the thing the work runs on, with the thing itself as the security.
- Funding amount
- Up to $250K
- Rate
- As low as 8%
Rates above are floors — what the network starts at, not what every business is offered. The cash advance is the exception and is quoted as a factor rate, which is not an interest rate and does not fall if it is cleared early; it is the dearest money on this page and belongs at the bottom of the list for that reason.