Compare Every Funding Option Against Your Goal
Cost, speed, terms, and the honest trade-offs for each type of business funding — side by side, with no credit check and nothing to fill out until you are ready.
One application. 50+ lending partners competing for your business.
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
What Are You Trying to Get Done?
Pick the goal that sounds like your situation and see which options are usually the strongest fit — and what to watch for with each.
Cover payroll or a cash-flow gap
You need money in the account this week and you know roughly when it comes back.
- Working Capital / Term Loan
Pro: Payroll gaps, hiring, marketing pushes, general cash flow
Con: Fixed payments do not flex when sales slow
- Invoice Factoring
Pro: B2B and B2G businesses waiting 30 to 90 days to get paid
Con: Approval leans on how creditworthy your customers are
- Merchant Cash Advance
Pro: Urgent needs with credit or documentation challenges
Con: Highest cost; best used short term with a clear payoff
Smooth out ongoing, unpredictable needs
The amount changes month to month and you would rather not re-apply each time.
- Business Line of Credit
Pro: Recurring or unpredictable short-term needs
Con: Usually wants a year in business and stronger credit
- Revenue-Based Financing
Pro: Seasonal or uneven revenue
Con: Cost is higher than bank debt for the flexibility
Buy trucks, machines, or shop equipment
The asset itself produces revenue and can serve as the collateral.
- Equipment Financing
Pro: Trucks, machines, kitchens, medical and shop equipment
Con: Funds are for the asset, not general cash flow
- Working Capital / Term Loan
Pro: Payroll gaps, hiring, marketing pushes, general cash flow
Con: Fixed payments do not flex when sales slow
Get paid sooner on invoices you already earned
Your customers are creditworthy but pay on 30 to 90 day terms.
- Invoice Factoring
Pro: B2B and B2G businesses waiting 30 to 90 days to get paid
Con: Approval leans on how creditworthy your customers are
- Business Line of Credit
Pro: Recurring or unpredictable short-term needs
Con: Usually wants a year in business and stronger credit
Stock up ahead of a busy season
You need product on the shelf before the revenue shows up.
- Inventory Financing
Pro: Stocking up ahead of a season or a large order
Con: Only useful when inventory turns predictably
- Revenue-Based Financing
Pro: Seasonal or uneven revenue
Con: Cost is higher than bank debt for the flexibility
Buy property or fund a long-term expansion
You can wait for a slower process in exchange for longer terms and lower payments.
- SBA / Commercial Real Estate
Pro: Buying property, large expansion, refinancing costly debt
Con: Heaviest documentation and longest timeline
- Working Capital / Term Loan
Pro: Payroll gaps, hiring, marketing pushes, general cash flow
Con: Fixed payments do not flex when sales slow
Which Funding Type Fits Your Situation?
Three questions. No credit check, no contact information required — just a starting point so you know what to ask for.
Payroll gaps, hiring, marketing pushes, general cash flow. Commonly 24 to 72 hours once documents are complete.
For $75,000: 6 to 24 months, fixed weekly or monthly payments.
Read more about Working Capital / Term LoanEducational guidance only, not an offer or approval. One application puts your file in front of 50+ lending partners, and the initial review uses a soft credit pull.
Compare Two Funding Options Side by Side
Cost, speed, and structure are the three things that actually differ between products. Pick any two and see them next to each other.
Ranges shown are typical market conditions for educational purposes only. Actual pricing, speed, and terms are set by the funding partner in underwriting.
Compare Daily, Weekly, and Monthly Payment Impact
See how one estimated total payback would be collected on different schedules, then compare it with a revenue-based payment.
Estimated payment impact
Daily
$345
About 21.75 business-day payments per month
Weekly
$1,726
About 4.345 payments per month
Monthly
$7,500
One fixed payment per month
Revenue-based view
$6,000 per month
At 10% of $60,000 in monthly revenue. The fixed monthly estimate above would use about 12.5% of that revenue.
Educational planning estimate only. Daily and weekly figures use average payment counts, not calendar-day division. Actual payment frequency, cost, term, and remittance method are set in underwriting.
Pros and Cons of Every Funding Type
Ranges shown are typical for our lending partners. Your actual cost, speed, and terms depend on underwriting.
Working Capital / Term Loan
- What it costs
- Fixed factor or interest rate; total cost known up front
- How fast
- Commonly 24 to 72 hours once documents are complete
- Terms
- 6 to 24 months, fixed weekly or monthly payments
- Pro
- Payroll gaps, hiring, marketing pushes, general cash flow
- Con
- Fixed payments do not flex when sales slow
Business Line of Credit
- What it costs
- Interest on what you draw; unused funds cost nothing
- How fast
- Commonly a few business days to set up
- Terms
- Revolving; draw and repay as needed
- Pro
- Recurring or unpredictable short-term needs
- Con
- Usually wants a year in business and stronger credit
Invoice Factoring
- What it costs
- Fee per 30 days on the invoice, commonly 0.8% to 3%
- How fast
- First advance often within days, later advances in about 24 hours
- Terms
- Tied to invoices, not a fixed loan term
- Pro
- B2B and B2G businesses waiting 30 to 90 days to get paid
- Con
- Approval leans on how creditworthy your customers are
Equipment Financing
- What it costs
- Interest rate over the term; the equipment is the collateral
- How fast
- Commonly 3 to 10 business days for a complete file
- Terms
- 2 to 7 years, fixed monthly payments
- Pro
- Trucks, machines, kitchens, medical and shop equipment
- Con
- Funds are for the asset, not general cash flow
Revenue-Based Financing
- What it costs
- Fixed total repayment collected as a share of revenue
- How fast
- Commonly a few business days
- Terms
- Repays faster in strong months, slower in soft ones
- Pro
- Seasonal or uneven revenue
- Con
- Cost is higher than bank debt for the flexibility
Merchant Cash Advance
- What it costs
- Factor rate, commonly 1.2 to 1.5 of the advance
- How fast
- Often the fastest option available
- Terms
- Daily or weekly holdback on card or bank sales
- Pro
- Urgent needs with credit or documentation challenges
- Con
- Highest cost; best used short term with a clear payoff
SBA / Commercial Real Estate
- What it costs
- Lowest available rates
- How fast
- Weeks, not days — this one takes patience
- Terms
- 10 to 25 years, fully amortized
- Pro
- Buying property, large expansion, refinancing costly debt
- Con
- Heaviest documentation and longest timeline
Inventory Financing
- What it costs
- Interest or fee tied to the inventory cycle
- How fast
- Commonly a few business days
- Terms
- Short cycle, repaid as inventory sells
- Pro
- Stocking up ahead of a season or a large order
- Con
- Only useful when inventory turns predictably
Fix & Flip / Hard Money
- What it costs
- Higher interest than a mortgage, plus points; priced for short holds
- How fast
- Often within about two weeks once title and scope are in hand
- Terms
- 6 to 24 months, interest-only, payoff at sale or refinance
- Pro
- Buying and renovating a property to resell quickly
- Con
- Underwritten on the property and the exit, not your W-2
Commercial Bridge Loan
- What it costs
- Higher rate than permanent debt; the price of speed and flexibility
- How fast
- Faster than conventional — commonly two to four weeks
- Terms
- Short term, usually 6 to 36 months, interest-only
- Pro
- Time-sensitive purchases, value-add deals, pre-stabilization gaps
- Con
- You need a clear take-out — refinance or sale — planned up front
DSCR Rental Loan
- What it costs
- Rate based on the property's cash flow, not your personal income
- How fast
- Commonly two to four weeks with an appraisal
- Terms
- Long-term, typically 30-year amortization
- Pro
- Holding renovated rentals — the exit from a flip or BRRRR
- Con
- The rent must cover the payment; vacancy hurts approval
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Questions, Answered
Longer-term, more heavily documented options such as SBA and equipment financing generally carry the lowest cost, while the fastest options such as merchant cash advances cost the most. Actual pricing depends on your revenue, time in business, credit profile, and the lender's underwriting.
Yes. One application is reviewed against 50+ lending partners, so you can see which structures you qualify for before committing to any of them. The initial review uses a soft credit pull.
Start with the goal cards and the Find Your Fit tool on this page, then compare any two options side by side. If it is still unclear, apply and a specialist will walk through the offers you actually qualify for.
No. Using the tools on this page involves no credit inquiry at all, and the initial application review is a soft pull. A hard pull only happens later with your consent if a lender requires it to finalize an offer.
Not Sure Which One Fits? Let the Offers Tell You.
One application, a soft credit pull to start, and 50+ lending partners reviewing your file. Compare real offers instead of guessing.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015