Business funding, matched to the job it has to do
Capital is a tool. The right one depends on what you are funding, how fast you need it, and how your cash flow can repay it. Explore every option below, or skip ahead and let an advisor compare them for you.
What are you funding?
Businesses come to us for capital across every stage of growth, including:
Funding options at a glance
| Product | Best use | Typical speed | Repayment structure | Documentation |
|---|---|---|---|---|
| Line of Credit | Ongoing cash flow flexibility | Fast at many lenders | Revolving; draw and repay | Light |
| Term Loan | Defined projects and expansion | Moderate | Fixed periodic payments | Moderate |
| Working Capital | Short-term operating needs | Fast at many lenders | Short-term fixed or flexible | Light |
| Equipment Financing | Trucks, machinery, and tools | Moderate | Fixed payments; asset secured | Light to moderate |
| SBA Loan | Large, long-term needs | Slower | Long terms; monthly payments | Heavy |
| Invoice Factoring | B2B receivable gaps | Fast once set up | Fees per invoice; not a loan | Light |
| Merchant Cash Advance | Urgent, short-term needs | Fastest | Remittances flex with sales | Light |
Speed and documentation descriptions are general tendencies, not commitments. Costs, terms, and availability vary by lender and applicant profile.
Explore every option
Business Line of Credit
A business line of credit gives you a revolving pool of capital you can draw from whenever you need it.
Learn more about Business Line of CreditWorking Capital
Working capital funding covers the day-to-day costs of running your business: payroll, rent, inventory, and everything in between.
Learn more about Working CapitalBusiness Term Loans
A business term loan delivers a lump sum you repay over a set schedule with regular payments.
Learn more about Business Term LoansMerchant Cash Advance
A merchant cash advance (MCA) provides an upfront sum in exchange for a portion of your future sales.
Learn more about Merchant Cash AdvanceEquipment Financing
Equipment financing lets you acquire the trucks, machinery, technology, or tools your business needs while spreading the cost over time.
Learn more about Equipment FinancingSBA Loans
SBA loans are made by lenders and partially guaranteed by the U.S.
Learn more about SBA LoansStartup Funding
Most banks want two years of history before they lend.
Learn more about Startup FundingBusiness Acquisition Financing
Acquisition financing funds the purchase of an existing business: a competitor, a retiring owner's company, a franchise resale, or a partner's share.
Learn more about Business Acquisition FinancingInvoice Factoring
Invoice factoring converts unpaid B2B invoices into immediate cash.
Learn more about Invoice FactoringRevenue-Based Financing
Revenue-based financing provides capital repaid as a fixed percentage of your ongoing revenue.
Learn more about Revenue-Based FinancingCommercial Real Estate Financing
Commercial real estate financing helps business owners buy, build, or refinance the property they operate from: offices, warehouses, retail spaces, medical suites, and more.
Learn more about Commercial Real Estate FinancingBusiness funding questions, answered
How do I choose the right funding option?
Start with the purpose and the payback. Ongoing cash flow needs point toward lines of credit; defined projects point toward term loans or SBA; asset purchases point toward equipment financing. A funding advisor compares real options for your file so you are not guessing.
What do lenders look at?
Commonly: time in business, revenue and bank activity, owner credit, existing debt, and industry. Different lenders weight these differently, which is exactly why comparing options matters.
How fast can my business get funded?
It ranges from days for streamlined working capital products to months for SBA real estate deals. No timeline is guaranteed; your advisor will set expectations for your specific path.
Does requesting a quote affect my credit?
The initial request does not involve a hard pull. Individual lenders may run credit during underwriting, and your advisor will tell you before anything is run.
Can I get funding with challenged credit?
Options narrow but rarely disappear. Revenue-driven products weigh bank activity heavily. An advisor can tell you what is realistic and what would improve your file.
Ready to compare your business funding options?
One short request. A real conversation. Clear options for your business or your next deal.