Working capital for operating businesses.
SBA loans, merchant cash advances, lines of credit, equipment financing and factoring for U.S. businesses.
One short form. Options priced on your actual revenue, not a generic credit box.
At a glance
- Loan size
- $25K-$5M
- Speed
- 24-72 hrs
- Time in business
- 6+ months
- To quote
- No hard pull
Six ways to fund the business
SBA 7(a) & 504
Government-backed loans for acquisitions, expansion and owner-occupied real estate. Longest terms, lowest payments.
Merchant Cash Advance
Repaid from a share of daily card sales. Funded in as little as 24 hours.
Business Line of Credit
Draw as needed. Interest only on what you use.
Term Loans
Fixed amount, fixed payment. Terms from 6 months to 5 years.
Equipment Financing
Vehicles, machinery and hardware. The equipment is the collateral.
Invoice Factoring
Unpaid invoices turned into cash now, not in 30 to 90 days.
Tell us about the business
Business-only intake, no property questions. Two minutes. Options priced on revenue, time in business and use of funds.
- No hard credit pull to get a quote
- Options across multiple lenders, not one product
- Options within one business day
Business lending questions
How fast can a business loan fund?
Merchant cash advances and lines of credit: 24 to 72 hours.
SBA loans: 30 to 60 days, with deeper underwriting.
What credit score do I need?
Revenue-based products start in the 550s.
SBA and conventional term loans generally need 650 or higher and two years in business.
How long do I have to be in business?
Most programs need six months in business and steady monthly deposits.
Startups: equipment financing and select SBA options.
Do I need collateral?
Revenue-based products are usually unsecured, with a personal guarantee.
SBA, equipment and larger term loans are secured by business assets.
Does a quote mean a hard credit pull?
No hard credit pull to get a quote.
A hard pull happens only after you accept terms and move to underwriting.