Business Funding Options
Business Funding Options
business lines of credit
Revolving access to funds—draw, repay, repeat.
Flexible working capital you can tap as needed. You’re approved for a limit and only pay on what you draw.
Best for: Smoothing cash flow, covering gaps, short‑notice opportunities.
Highlights: Reuseable limit, interest only on draws, fast access.
Consider: Variable usage can make costs harder to forecast.
Short-term business loan
Lump‑sum capital with predictable payments.
Receive funds up front and repay on a fixed schedule. Ideal when you know exactly what you need and for how long.
Best for: Quick projects, inventory buys, marketing pushes.
Highlights: Set payoff timeline, simple budgeting, clear total cost.
Consider: Less flexibility after disbursement vs. a line of credit.
Revenue‑Based Financing
Payments flex with your sales.
Receive capital today and remit a small, agreed‑upon percentage of revenue until a preset amount is repaid—no equity dilution.
Best for: Seasonal or fluctuating sales, e‑commerce, SaaS, subscriptions.
Highlights: Payments align with performance, no collateral in many cases.
Consider: Total repayment depends on sales.
Merchant Cash Advance
Fast funding repaid from daily card sales.
Get capital quickly and remit a fixed percentage of your future card receipts until the purchased amount is satisfied.
Best for: Card‑heavy businesses that need speed and simplicity.
Highlights: Rapid approvals and funding, no fixed monthly payment.
Consider: Daily/weekly remittances can affect cash flow.
Equipment Funding
Loans or leases for the tools that run your business.
Finance new or used equipment with structures that match useful life and cash flow—preserving working capital.
Best for: Vehicles, machinery, restaurant equipment, ect.
Highlights: Ownership (loan) or lower upfront cost (lease).
Consider: Collateralized by equipment; terms depend on asset type/age.
SBA 7(a) working capital
Government‑enhanced financing.
Backed by an SBA guarantee, these loans often feature longer terms and may offer lower payments for qualified borrowers.
Best for: Established businesses seeking larger amounts.
Highlights: Broad uses and potentially lower payments.
Consider: More documentation and underwriting time than other options.
business lines of credit
Revolving access to funds—draw, repay, repeat.
Flexible working capital you can tap as needed. You’re approved for a limit and only pay on what you draw.
Best for: Covering gaps, short‑notice opportunities.
Highlights: Reuseable limit, interest only on draws, fast access.
Consider: Variable usage can make costs harder to forecast.
Short-term business loan
Lump‑sum capital with predictable payments.
Receive funds up front and repay on a fixed schedule. Ideal when you know exactly what you need and for how long.
Best for: Quick projects, inventory buys, marketing pushes.
Highlights: Set payoff timeline, simple budgeting, clear total cost.
Consider: Less flexibility after disbursement vs. a line of credit.
Revenue‑Based Financing
Payments flex with your sales.
Receive capital today and remit a small, agreed‑upon percentage of revenue until a preset amount is repaid—no equity dilution.
Best for: Seasonal or fluctuating sales, e‑commerce.
Highlights: Payments align with performance.
Consider: Total repayment depends on sales.
Merchant Cash Advance
Fast funding repaid from daily card sales.
Get capital quickly and remit a fixed percentage of your future card receipts until the purchased amount is satisfied.
Best for: Card‑heavy businesses that need speed and simplicity.
Highlights: Rapid approvals and funding, no fixed monthly payment.
Consider: Daily/weekly remittances can affect cash flow.
Equipment Funding
Loans or leases for equipment.
Finance new or used equipment with structures that match useful life and cash flow—preserving working capital.
Best for: Vehicles, machinery, restaurant equipment, ect.
Highlights: Ownership (loan) or lower upfront cost (lease).
Consider: Collateralized by equipment.
SBA 7(a) working capital
Government‑enhanced financing.
Backed by an SBA guarantee, these loans often feature longer terms and may offer lower payments.
Best for: Established businesses seeking larger amounts.
Highlights: Broad uses and potentially lower payments.
Consider: More documentation and underwriting time.
business lines of credit
Revolving access to funds—draw, repay, repeat.
Flexible working capital you can tap as needed. You’re approved for a limit and only pay on what you draw.
Best for: Smoothing cash flow, covering gaps, short‑notice opportunities.
Highlights: Reuseable limit, interest only on draws, fast access.
Consider: Variable usage can make costs harder to forecast.
Short-term business loan
Lump‑sum capital with predictable payments.
Receive funds up front and repay on a fixed schedule. Ideal when you know exactly what you need and for how long.
Best for: Quick projects, inventory buys, marketing pushes.
Highlights: Set payoff timeline, simple budgeting, clear total cost.
Consider: Less flexibility after disbursement vs. a line of credit.
Revenue‑Based Financing
Payments flex with your sales.
Receive capital today and remit a small, agreed‑upon percentage of revenue until a preset amount is repaid—no equity dilution.
Best for: Seasonal or fluctuating sales, e‑commerce.
Highlights: Payments align with performance.
Consider: Total repayment depends on sales.
Merchant Cash Advance
Fast funding repaid from daily card sales.
Get capital quickly and remit a fixed percentage of your future card receipts until the purchased amount is satisfied.
Best for: Card‑heavy businesses that need speed and simplicity.
Highlights: Rapid approvals and funding, no fixed monthly payment.
Consider: Daily/weekly remittances can affect cash flow.
Equipment Funding
Loans or leases for equipment.
Finance new or used equipment with structures that match useful life and cash flow—preserving working capital.
Best for: Vehicles, machinery, restaurant equipment, ect.
Highlights: Ownership (loan) or lower upfront cost (lease).
Consider: Collateralized by equipment.
SBA 7(a) working capital
Government‑enhanced financing.
Backed by an SBA guarantee, these loans often feature longer terms and may offer lower payments.
Best for: Established businesses seeking larger amounts.
Highlights: Broad uses and potentially lower payments.
Consider: More documentation and underwriting time.
business lines of credit
Revolving access to funds—draw, repay, repeat.
Flexible working capital you can tap as needed. You’re approved for a limit and only pay on what you draw.
Best for: Smoothing cash flow, covering gaps, short‑notice opportunities.
Highlights: Reuseable limit, interest only on draws, fast access.
Consider: Variable usage can make costs harder to forecast.
Short-term business loan
Lump‑sum capital with predictable payments.
Receive funds up front and repay on a fixed schedule. Ideal when you know exactly what you need and for how long.
Best for: Quick projects, inventory buys, marketing pushes.
Highlights: Set payoff timeline, simple budgeting, clear total cost.
Consider: Less flexibility after disbursement vs. a line of credit.
Revenue‑Based Financing
Payments flex with your sales.
Receive capital today and remit a small, agreed‑upon percentage of revenue until a preset amount is repaid—no equity dilution.
Best for: Seasonal or fluctuating sales, e‑commerce.
Highlights: Payments align with performance.
Consider: Total repayment depends on sales.
Merchant Cash Advance
Fast funding repaid from daily card sales.
Get capital quickly and remit a fixed percentage of your future card receipts until the purchased amount is satisfied.
Best for: Card‑heavy businesses that need speed and simplicity.
Highlights: Rapid approvals and funding, no fixed monthly payment.
Consider: Daily/weekly remittances can affect cash flow.
Equipment Funding
Loans or leases for equipment.
Finance new or used equipment with structures that match useful life and cash flow—preserving working capital.
Best for: Vehicles, machinery, restaurant equipment, ect.
Highlights: Ownership (loan) or lower upfront cost (lease).
Consider: Collateralized by equipment.
SBA 7(a) working capital
Government‑enhanced financing.
Backed by an SBA guarantee, these loans often feature longer terms and may offer lower payments.
Best for: Established businesses seeking larger amounts.
Highlights: Broad uses and potentially lower payments.
Consider: More documentation and underwriting time.
