All Funding Types

Fast capital tied to your future revenue.

Working capital advances, also known as Merchant Cash Advances (MCAs), provide a lump sum of capital repaid as a percentage of your daily or weekly revenue. Best for businesses with consistent sales that need fast liquidity, payroll coverage, inventory purchases, or short-term cash flow gaps.

Best for: Restaurants, retail, e-commerce, service businesses with steady deposits.

Government-backed financing with the lowest rates.

SBA 7(a) loans are partially guaranteed by the U.S. Small Business Administration, allowing lenders to offer the most competitive rates and longest terms in business finance. Funds can be used for working capital, real estate, equipment, debt refinance, or business acquisition.

Best for: Established businesses with 2+ years history, strong credit, and time to wait.

Lump sum with predictable monthly payments.

A traditional business term loan provides a fixed amount of capital repaid in equal monthly installments over a set period, typically 1 to 5 years. Best when you need predictability for budgeting and a clear payoff date.

Best for: Expansion, renovations, large one-time purchases, hiring sprints.

Revolving access, pay only what you use.

A business line of credit gives you a maximum credit limit you can draw against as needed. You only pay interest on what you use, and your available credit replenishes as you repay. The most flexible funding product on the market.

Best for: Managing seasonality, covering unexpected costs, bridging receivables.

Finance machinery, technology, and infrastructure.

Equipment financing uses the equipment itself as collateral, allowing higher approval rates and lower rates than unsecured loans. Covers manufacturing, medical, restaurant, fleet, tech, and software/SaaS infrastructure.

Best for: Acquiring assets that produce revenue or improve operations.

Non-dilutive capital for venture-backed startups.

Venture debt extends your runway between equity rounds without giving up additional ownership. Structured as term loans with warrants, used to fuel growth, finance capex, or strengthen your balance sheet ahead of fundraising.

Best for: Series A through pre-IPO companies with institutional investors.

Capital for businesses under 2 years old.

Designed for newer businesses that don't yet qualify for traditional bank financing. Combines a mix of personal-guaranteed credit lines, revenue-based advances, and SBA microloans to get founders off the ground.

Best for: Founders within their first 24 months of operation.

Convert unpaid invoices into immediate working capital.

Also known as invoice financing or factoring. Advance 80-95% of an invoice's value within 24-48 hours instead of waiting 30, 60, or 90 days for customer payments. Approval is based on your customers' credit quality, not your own, so newer businesses and owners with sub-prime credit often qualify.

Best for: B2B companies with $10K+/month in invoices, staffing, manufacturing, distribution, transportation, services.