Funding programs

Funding programs

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Eight ways to fund a business, each with a different cost, speed and commitment. Here is the whole menu with what each one is genuinely best for, so you can tell before you apply where your situation fits.

01Line of credit — up to $250,000

Best for flexible working capital you draw on only when you need it, and pay for only when you use it. Read term loan vs line of credit if you are weighing the two.

02Term loan — $25,000 to $5 million

Best for planned, larger investments where a steady predictable payment is an advantage. Fixed payment, fixed end date.

03SBA loan — up to $10 million

The lowest rates and longest terms available to most businesses, in exchange for the heaviest paperwork and a timeline measured in weeks. SBA loans explained covers who qualifies.

04Equipment financing — up to 100% of cost

Best for funding the equipment your business runs on, using the asset itself as the collateral.

05Working capital — $20,000 to $350,000

Best for payroll, inventory or a seasonal gap, without choking cash flow while you cover it.

06Invoice financing — up to 100% of invoice value

Best for B2B businesses with cash tied up in unpaid customer invoices.

07Merchant cash advance — $20,000 to $500,000

Fast capital repaid from sales. The cost is quoted as a factor rate rather than an interest rate, which hides what you actually pay back — factor rate vs APR shows the math, and we show you the true cost up front.

08Consolidation — built around your positions

For owners already carrying several advances who want one simpler payment. When consolidating actually makes sense is the honest version of that conversation.