Four ways to fund your growth.
Every business is different. Here's how each of our core funding options works, what it costs, and when it's the right choice — explained in plain English.
Line of Credit
A business line of credit works like a safety net: we set you up with an approved limit, and you draw money from it whenever you need to — today, next month, or next year. You only pay interest on what you actually use, and as you pay it back, the full amount becomes available again.
Think of it as a credit card for your business, but with much higher limits and lower rates. It's the most flexible product we offer.
Term Loan
A term loan is the classic business loan: you receive one lump sum of cash up front, then pay it back in equal installments over a set period. Your payment amount never changes, so it's easy to budget around.
Because you know exactly what you're getting and exactly what you'll pay, term loans are the go-to choice for big, planned investments — the kind with a clear price tag and a clear payoff.
SBA & Equipment Financing
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer the lowest rates and longest terms in small-business lending. They take more paperwork and a little more time — but if you qualify, they're usually the cheapest money available.
Equipment financing covers vehicles, machinery, kitchen equipment, computers — anything with a price tag. The equipment itself serves as the collateral, which makes approval easier and can cover up to 100% of the purchase.
Revenue Based Financing
Revenue based financing gives you a lump sum of working capital today in exchange for a fixed percentage of your future sales. Instead of a rigid monthly payment, your remittance flexes with your revenue — when business is slower, you pay less; when it picks up, you pay it down faster.
Approval is based on your bank statements and cash flow, not your credit score or collateral, which makes it the fastest option for businesses that have been turned down by a bank — or simply can't wait weeks for an answer.
Not sure which is right for you?
You don't have to figure it out alone. Answer a few questions and your advisor will match you with the best option from 75+ lending partners — with no impact to your credit.