Every funding product. Honestly priced.
Eight funding products, one apply form. Real pricing ranges instead of "rates as low as." Real qualification thresholds instead of "good credit a plus." Pick the right product, then we review your application against 75+ lenders.
Speed over price
When the use case justifies the premium — emergency repairs, time-sensitive opportunities, gap funding between contracts — these products fund in as little as 24 hours, a few days or weeks depending on your credit product, but cost materially more than bank financing. Use them deliberately, with an exit plan.
Merchant Cash Advance
24–72 hrA purchase of future receivables, paid back via a percentage of daily sales. Fastest-funding product on the market for sub-prime credit.
Business Line of Credit
1–5 daysRevolving credit you draw against as needed. Pay interest only on what you use. The most flexible working-capital tool when you qualify.
Revenue-Based Financing
3–7 daysCapital repaid as a percentage of monthly revenue until a fixed multiple is delivered. Smooths slow months, but total cost is similar to mid-tier MCAs.
Cheaper, slower, structural
Multi-year products for capital expenditures, acquisitions, real estate, equipment, and long-term growth. Lowest costs in small business financing — SBA in particular — but expect 30–90 days of underwriting and significant documentation.
Business Term Loans
1–3 weeksLump sum, fixed monthly payment, fixed term. The traditional small business loan structure. Predictable, amortized, balance-sheet-friendly.
SBA Loans
30–90 daysGovernment-guaranteed loans with the lowest small business APRs available. Substantial paperwork, but the cheapest capital you can find when you qualify.
Equipment Financing
2–10 daysEquipment-secured loans where the equipment itself is the collateral. Looser credit requirements because the lender can repossess. Often funds when other products won't.
0% Business Credit Card Stacking
2–4 weeksMultiple 0% intro APR business credit cards stacked to deliver up to $200,000 in interest-free capital for 9–18 months. Personal-credit-driven, no revenue or time-in-business requirement.
All 8 products at a glance
The same data on the cards above, rearranged for fast comparison. Sorted by funding speed (fastest first). Click any product name to read its full independent coverage.
| Product | Amount | Cost | Term | Min FICO | Speed |
|---|---|---|---|---|---|
| Merchant Cash Advance | $5K–$2M | 1.10–1.55× Factor | 4–18 mo | 500+ | 24–72 hr |
| Line of Credit | $10K–$500K | 15–75% APR | 6–24 mo | 600+ | 1–5 days |
| Equipment Financing | $10K–$5M | 8–30% APR | 2–7 yr | 620+ | 2–10 days |
| Revenue-Based Financing | $25K–$3M | 1.3–1.6× multiple | Variable | 600+ | 3–7 days |
| Business Term Loans | $25K–$2M | 8–30% APR | 1–5 yr | 650+ | 1–3 weeks |
| SBA Loans | $30K–$5M | 9.75–13.25% APR | 7–25 yr | 680+ | 30–90 days |
| 0% Business Credit Card Stacking | Up to $200,000 | 0% intro APR | 9–18 mo | 700+ | 2–4 weeks |
Match the use case to the product.
Need cash this week. MCA, working capital, or LOC. MCAs fund fastest but cost most. LOC is cheaper but requires 600+ FICO and 1+ year in business. Working capital is the middle path. Use the MCA calculator to see what each option actually costs before you commit.
Buying equipment, real estate, or another business. Equipment financing or SBA. Equipment loans use the equipment as collateral and approve faster. SBA takes longer but offers materially lower rates. For real estate specifically, commercial real estate loans or SBA 504.
Have unpaid invoices and need cash now. Invoice factoring. Lenders look at your customer's credit, not yours. Healthy B2B businesses with slow-pay enterprise customers find this product transformational.
New business, less than a year old. Startup funding, business credit building, or HELOC if you have home equity. Most lenders require 6+ months in business; the products in this category are built around that gap.
Just want the cheapest capital available. SBA, period. 9.75–13.25% APR, 7–25 year terms, government-guaranteed. The tradeoff is 30–90 days of underwriting. Worth it if you have time and qualify.
Or skip the diagnosis — submit one application and we'll match you to the right product across our lender partner network.
One application. 75+ lenders. Multiple offers.
Picking the right product is half the battle. The other half is finding the lender that prices your specific deal best. We do that part — submit one application and our team shops it across our lender partner network. No obligation. Free.