Term Loan
A lump sum, a fixed rate, and a date it is paid off.
- Loan amount
- $20K – $1M
- Interest rate
- As low as 6%
Cash advance
Business Cash Advance
Underwritten on your sales, not your credit file.
- Funding amount
- $5K – $500K
- Funding speed
- 24–48 hours
- Factor rate
- 10% – 35%
- Repayment
- Daily or weekly ACH
Cash advance
What a cash advance does
A cash advance is bought against your future card and receivable income rather than lent against your credit. Repayment is a share of daily takings, so it flexes with a quiet week instead of breaking you.
It is the most expensive money on this page and the easiest to get, and both of those are true for the same reason. For a business that needs stock this week and cannot wait for a bank, it can be the only option that moves fast enough — just go in knowing the factor rate, not the interest rate.
Worth knowing
Before you sign one
- Low credit scores considered
- Limited trading history considered
- Funds in 24 to 48 hours
- Priced as a factor rate — ask what the total repayment is
The application
Find out what you qualify for
Two minutes, no fee, and no effect on your credit. If nothing on offer is right for you, nothing happens.
Rather talk to somebody first? (866) 221-5149.
Six kinds of funding
This one, and the five beside it
Short Term Business Loan
For the problem that will not wait until next quarter.
- Funding amount
- $10K – $1M
- Cost
- Beginning at 6%
Equipment Financing
The machine pays for itself while it pays for itself.
- Loan amount
- Up to $250K
- Cost
- As low as 8%
Working Capital
Money for running the business, not for buying a thing.
- Funding amount
- Up to $1M
- Cost
- Starting at 4.5%
Business Line of Credit
Approved once, drawn on whenever.
- Funding amount
- Up to $1M
- Cost
- Starting at 4.5%
Business Cash Advance
Underwritten on your sales, not your credit file.
- Funding amount
- $5K – $500K
- Factor rate
- 10% – 35%