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%
$10,000 – $1,000,000
Business Working Capital
Money for running the business at the size it already is.
- Funding amount
- Up to $1M
- Repayment
- Daily or weekly ACH
- Rate
- Starting at 4.5%
- Funded in
- 1–2 business days
Working Capital
What working capital actually is
Working capital covers payroll, rent, stock, taxes and the wait between doing the work and being paid for it. It funds continuity rather than growth, and the right size for it is the size of the gap.
Repayment comes out in small daily or weekly amounts rather than one monthly figure. That suits a business taking money in every day and suits a lumpy, project-billed business much less well — worth saying out loud before choosing it over a term loan.
What it gives you
Why a business takes this one
- Payroll, rent, stock and tax
- Nothing pledged against it
- Small daily or weekly repayments
- No upfront fees
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.