Financing Solutions

Six ways to fund what's next.

From same-day cash advances to long-term SBA loans, we match you with the right product for your business.

Revenue-based · Fastest

Merchant Cash Advance

Capital advanced against your future business revenue, paid back through a small daily or weekly fixed payment. Approval is driven by your monthly deposits — not your credit score alone.

Who it's for

  • Businesses with strong daily/weekly deposit volume
  • Owners who need capital in 24–48 hours
  • Restaurants, retail, salons, auto repair, trucking
  • Owners with credit challenges who have revenue

Terms at a glance

Financing amount
$5K – $5M+
Term
3 – 18 months
Payment
Daily or weekly fixed
Speed to financing
Same day – 48 hours
Min. monthly revenue
$10,000
Min. time in business
6 months

Documents we'll need

3 months of business bank statements · Voided business check · Driver's license · Basic business info. No tax returns. No collateral.

Fixed monthly · Predictable

Business Term Loan

A lump sum repaid over a fixed period with consistent monthly payments. The most flexible product when you know exactly what you need the capital for and want predictable budgeting.

Who it's for

  • Established businesses with 2+ years operating
  • Specific use cases: expansion, large equipment, payroll buffer
  • Owners with personal credit 600+
  • Businesses wanting to build credit profile

Terms at a glance

Financing amount
$200K – $5M+
Term
6 – 60 months
Payment
Fixed monthly
Speed to financing
2 – 5 business days
Min. credit score
650+
Min. time in business
2 years

Documents we'll need

12 months of business bank statements · Year-to-date P&L and balance sheet · Most recent business tax return · Personal financial statement · Driver's license · Voided business check.

Revolving · Pay-only-on-use

Business Line of Credit

A revolving credit facility you draw against only when you need it. Pay interest exclusively on the amount drawn. The best product for managing seasonal cash flow gaps or unexpected expenses.

Who it's for

  • Seasonal businesses (landscaping, retail, hospitality)
  • Owners who want a safety net without paying for unused capital
  • Businesses managing irregular A/R cycles

Terms at a glance

Credit limit
$10K – $500K
Draw period
Revolving
Payment
Interest-only on drawn balance
Speed to financing
2 – 7 business days
Min. credit score
650+
Min. time in business
2 years

Documents we'll need

6 months of business bank statements · Voided business check · Driver's license · Basic business info.

Asset-secured · Up to 100% financing

Equipment Financing

Purchase new or used equipment with the equipment itself serving as collateral. Lower rates than unsecured products because the asset secures the loan. Trucks, machinery, kitchen equipment, medical devices, and more.

Who it's for

  • Trucking, construction, manufacturing, restaurant, medical, auto
  • Businesses adding new equipment or replacing aging assets
  • Owners who want to preserve cash for working capital

Terms at a glance

Financing amount
Up to $5M
Term
2 – 7 years
Collateral
The equipment itself
Speed to financing
2 – 7 business days
Down payment
0 – 20%
Min. time in business
6 months (startup-friendly)

Documents we'll need

Equipment invoice or quote · 3 months of business bank statements · Driver's license · Personal financial statement (over $250K only).

Government-backed · Lowest rates

SBA Loan

SBA 7(a) and SBA 504 loans backed by the U.S. Small Business Administration. The lowest rates and longest terms available in business lending — but with a more involved application and a 4 to 12-week timeline.

Who it's for

  • Established businesses 2+ years with strong financials
  • Real estate purchase, business acquisition, major expansion
  • Owners with personal credit 680+
  • Borrowers willing to provide a personal guarantee

Terms at a glance

Financing amount
Up to $5.5M
Term
10 – 25 years
Payment
Fixed monthly
Speed to financing
4 – 12 weeks
Down payment
10 – 20%
Use of funds
Working capital, real estate, acquisition

Documents we'll need

3 years of business tax returns · 3 years of personal tax returns · Year-to-date P&L and balance sheet · Personal financial statement · Business plan or use-of-funds memo · Driver's license.

Invoice-backed · Same-day

Invoice Factoring

Get up to 90% of unpaid customer invoices advanced to you today. Best for B2B businesses with 30–90 day customer payment terms. The factor collects from your customer, then remits the balance minus a fee.

Who it's for

  • B2B businesses selling to creditworthy customers
  • Trucking (freight factoring), staffing agencies, manufacturers, contractors
  • Businesses with cash flow gaps between invoice and payment
  • Startups and credit-challenged owners (your customers' credit matters more than yours)

Terms at a glance

Financing amount
Up to $10M
Advance rate
Up to 90%
Term
Per-invoice basis
Speed to first advance
Same day to 48 hours
Credit driver
Your customers' credit
Min. time in business
3 months

Documents we'll need

A/R aging report · Sample customer invoices · 3 months business bank statements · Articles of incorporation · Driver's license.

Not sure which product fits?

Apply once. We'll match you to the right product based on your business.

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