Every type of business loan, explained and compared
There is no single “best” business loan — only the best fit for your cash flow, timeline, and credit. Use the comparison below to narrow it down, or pre-qualify and let us match you.
| Product | Amount | Speed | Terms | Cost | Min. credit |
|---|---|---|---|---|---|
| Revenue-Based Financing | $5K – $500K | Same day to 24 hours | 3–18 months | Factor rate 1.15–1.45 | 500+ (no credit inquiry to pre-qualify) |
| Business Line of Credit | $10K – $250K | 1–3 business days | 6–24 month revolving | From 8% APR | 600+ |
| Business Term Loans | $25K – $500K | 2–5 business days | 12–60 months | From 7.5% APR | 620+ |
| Invoice Factoring | $1K – $5M | 24–48 hours | Per invoice (30–90 days) | 1–4% per 30 days | Based on your customers’ credit |
| Working Capital Loans | $5K – $500K | 24–72 hours | 3–36 months | Varies by product | 500+ |
| Merchant Cash Advance | $5K – $500K | Same day | 3–18 months | Factor rate 1.18–1.49 | 500+ |
| Equipment Financing | $10K – $2M | 2–5 business days | 24–84 months | From 6.5% APR | 580+ |
| SBA Loans | $50K – $5M | 30–90 days (Express: 2–4 weeks) | 10–25 years | Prime + 2.25% to 4.75% | 650+ |
| Bad Credit Business Loans | $5K – $500K | 24–48 hours | 3–24 months | Varies by product | 500+ |
| Short-Term Business Loans | $5K – $500K | 24–48 hours | 3–18 months | From 1.12 factor / 12% APR | 550+ |
| Unsecured Business Loans | $5K – $500K | 24–72 hours | 3–36 months | From 9% APR / 1.15 factor | 550+ |
| Startup Business Funding | $5K – $250K | 24–72 hours | 3–60 months | Varies by product | 550+ |
Explore each option
Revenue-Based Financing
Get capital today and repay as a small percentage of future revenue — no fixed monthly burden.
Learn moreBusiness Line of Credit
Approved once, available always. Pay interest only on what you actually use.
Learn moreBusiness Term Loans
A lump sum for growth, repaid over 1–5 years with a payment you can plan around.
Learn moreInvoice Factoring
Stop waiting 30, 60, or 90 days. Advance up to 95% of your receivables within 24 hours.
Learn moreWorking Capital Loans
Payroll, inventory, rent, taxes, opportunity — cover it all with capital that arrives in a day.
Learn moreMerchant Cash Advance
An advance against future card sales with remittances that rise and fall with your revenue.
Learn moreEquipment Financing
Finance new or used equipment with the asset as collateral — preserve your cash and your credit lines.
Learn moreSBA Loans
Government-backed 7(a), 504, and Express loans with 10–25 year terms. We navigate the paperwork for you.
Learn moreBad Credit Business Loans
Your bank deposits tell the real story. We fund businesses with credit scores from 500.
Learn moreShort-Term Business Loans
Borrow for 3–18 months, solve the problem, and be done. No long-term debt.
Learn moreUnsecured Business Loans
Keep your property, equipment, and inventory unencumbered. Qualify on cash flow and credit alone.
Learn moreStartup Business Funding
Three months of deposits is enough. Fund your growth before the banks will talk to you.
Learn moreWhat do I need to qualify for business funding?
The baseline is simple: at least 3 months in business and $10,000 or more in monthly bank deposits. You do not need perfect credit or collateral. Larger amounts, lines of credit, term loans, and SBA loans have higher thresholds, which we show you up front.
Will applying affect my credit score?
No. We do not run a credit inquiry when you pre-qualify or apply. Your details are used only to verify identity and business ownership. An inquiry happens only if you accept an offer that requires one, and we tell you before that happens.
How fast can I get funded?
Revenue-based financing and merchant cash advances often fund the same day or within 24 hours. Lines of credit and short-term loans typically fund in 1–3 business days. Term loans take 2–5 days. SBA loans take 2–12 weeks.
How much business funding can I get?
Most businesses qualify for 80–150% of their average monthly revenue on short-term products. Term loans, equipment financing, and SBA loans can go much higher — up to $5,000,000 — based on cash flow, collateral, and credit.
What documents do I need?
For most funding under $150,000: your last 3 months of business bank statements and a government ID. Larger amounts may require tax returns, a profit and loss statement, or a balance sheet.
Not sure which one fits?
Answer six questions and we will show you the products you are most likely to qualify for — with estimated amounts.
Free · No obligation · No credit inquiry