Term Loan
A lump sum at a fixed rate, repaid on a schedule you can plan around.
- Amount
- $20,000 – $1,000,000
- Cost
- From 6%
The six, in full
Working Capital
Funding for the running of the business rather than for a purchase.
- Amount
- Up to $1,000,000
- Term
- Daily or weekly ACH
- Cost
- From 4.5%
- Funded in
- 1 – 2 days
Working capital
What it is
Working capital covers payroll, rent, stock and the distance between doing the work and being paid for it. It is not tied to a purchase, which is what separates it from equipment financing and makes it the programme most businesses here actually need.
It is built for a money-tight stretch — a slow season, a quarter where the receivables run late — rather than for a long obligation on the books.
- When it is the wrong answer
- Repayment is a fixed daily or weekly ACH debit and a quiet week does not make it smaller. If the takings genuinely move, the cash advance is the shape that moves with them.
What it gives you
When it is the right one
- Nothing pledged for this programme
- Any legitimate business purpose
- Clears quickly, so it does not sit on the books
- No out-of-pocket fees
Apply
Six screens, about fifteen minutes.
About fifteen minutes, across six screens. One application reaches 80+ lenders, costs nothing, commits nothing and leaves no mark on the owner's credit score.
Rather talk to somebody first? (844) 527-3391.
The six, in full
Where it sits among the six
Short-Term Business Loan
The same instrument on a shorter runway, for something that pays itself back quickly.
- Amount
- $10,000 – $1,000,000
- Cost
- From 6%
Equipment Financing
The longest term here, tied to the thing it buys.
- Amount
- Up to $250,000
- Cost
- From 8%
Working Capital
Funding for the running of the business rather than for a purchase.
- Amount
- Up to $1,000,000
- Cost
- From 4.5%
Business Line of Credit
A facility that costs nothing until the week it earns its keep.
- Amount
- Up to $1,000,000
- Cost
- From 4.5%
Business Cash Advance
A sum against future receivables, repaid as a share of them.
- Amount
- $5,000 – $500,000
- Cost
- 10% – 35% factor
The cash advance is priced as a factor and the other five as a rate. A factor of 1.2 on $100,000 is $120,000 to repay whether it clears in six months or eighteen; settling it early does not reduce it. Interest falls when the balance falls. Putting a factor beside a rate compares two different things.