Which one do you need?
Most business financing comes down to one choice. You do not need to know the terminology — pick the one that sounds like your situation.
Business Loan
You receive the whole amount at once and repay it on a set schedule.
Best when you know the amount and what it is for — buying out a partner, a build-out, a specific project.
Start here →Business Line of Credit
An amount you can draw on, repay, and draw on again — you pay for what you use.
Best when the need comes and goes — payroll in a slow month, stock before a busy season, a gap while you wait to be paid.
Start here →Home
Business Financing
Working capital, SBA loans, lines of credit, and more to run and grow your business.
Business / Working Capital
Flexible funding to cover day-to-day operations, payroll, inventory, or growth.
Business Line of Credit
Draw funds as you need them and only pay interest on what you use.
Business Expansion Loan
Capital to open a new location, hire, or grow into a new market.
Invoice Financing / Factoring
Turn unpaid invoices into cash today instead of waiting 30–90 days.
SBA 7(a) Loans
The SBA's main programme — up to $5 million for almost any business purpose.
SBA 504 Loans
Long-term fixed-rate money for buildings and heavy equipment — 10% down.
Revenue-Based Financing
Repay as a percentage of revenue instead of a fixed payment.
SBA CAPLines
An SBA-backed line of credit for contracts, seasons and growing receivables.
Merchant Cash Advance
An advance against future card sales, repaid via a fixed daily or weekly percentage.
Business Acquisition Financing
Financing to buy an existing business or buy out a partner.
Startup Financing
Financing options for newer businesses, where a lender allows it.
Franchise Financing
Financing to open a new franchise location or expand an existing one.
Inventory Financing
Free up cash by financing the inventory you need to stock up or fulfill orders.
What lenders actually look at
Revenue and deposits
Consistent monthly revenue in the business bank account. This is the first thing almost every business lender reads.
Time in business
How long you have been trading. Most programmes publish a minimum, and start-ups are a different set of lenders.
Existing positions
Other loans or merchant cash advances already open. Stacked positions narrow your options considerably.
Credit
Both personal and business credit. It moves pricing and size far more often than it decides yes or no outright.
Industry
Some industries are restricted at some lenders regardless of how the numbers look.
What the money is for
A specific use — equipment, inventory, a contract, payroll — often opens a better-priced product than general working capital.
Questions we get asked
How long does the business need to have been trading?
It varies by product and lender. Some working-capital programmes publish a few months; SBA and bank products generally want longer. Start-up options exist and are a separate conversation.
Will this affect my credit?
Telling us about your deal does not. If you proceed, individual lenders may pull credit, and we will tell you before that happens.
Do you do SBA loans?
Yes — 7(a), 504, Express and CAPLines each have their own page. They take longer and need more paperwork than a working-capital loan, in exchange for longer terms.
I already have a merchant cash advance. Can I still get funding?
Sometimes, but open positions genuinely narrow the field, and stacking is how businesses get into trouble. We would rather talk about restructuring first if that is the better answer.
What documents will I need?
For most business products: recent business bank statements, a completed application and identification. SBA and equipment loans ask for more.
Tell us about the business
Four short steps. Revenue, time in business and what you need are the core.
Step 1 of 5
Your details
Where can we reach you?
So we can send your options and answer questions.
We save your details as soon as you continue, so you never have to start over.
This is not an offer and not an approval. Terms are set by a lender, in writing, after underwriting, and vary by lender, by property and by file.
Need working capital?
Tell us what the business does and what the money is for. We will point it at the right desk rather than the fastest one.