Short-term loan
For a cost with a date on it — a slow season, a repair, a short project that pays for itself.
- Amount
- $10K – $1M
- Funded in
- 1 – 2 days
Term Loan
The plainest instrument here: one sum, one fixed schedule, for something you can put a quote against.
- Loan amount
- $20K – $1M
- Funding speed
- Within 24 hours
- Loan term
- 1–2 years
- Interest rate
- As low as 6%
A term loan is one lump sum of capital, repaid at a fixed rate over a fixed period. It is the most straightforward way to fund something substantial — a second location, a large order, a hire you have been putting off — and to know exactly what it costs before you commit.
Applying takes about fifteen minutes. You answer questions about your credit, your revenue and what the money is for, and we come back with the offers you qualify for.
What it gets you
- Fixed rates, so repayment never moves
- Yes
- Funds within 48 hours
- Yes
- No restrictions on what you spend it on
- Yes
- No out-of-pocket fees
- Yes
Apply here
About two minutes. No application fee, no collateral, and no effect on your credit to find out what you qualify for.
- No hidden fees
- Yes
- Bad credit is OK
- Yes
- Same day funding
- Yes
- No minimum FICO
- Yes
Or call (844) 236-2884
The other five
Equipment financing
Secured on the machine, which is why it is the cheapest borrowing on this page.
- Amount
- Up to $250K
- Funded in
- 1 – 5 years
Working capital
Covers the interval between work delivered and work paid for, which never closes on its own.
- Amount
- Up to $1M
- Funded in
- 24 – 48 hours
Line of credit
Approved now, drawn later. An unused line costs nothing while it waits.
- Amount
- Up to $1M
- Funded in
- 1 – 2 days
Cash advance
Against card takings, repaid as a share of them, so a slow week costs less than a busy one.
- Amount
- $5K – $500K
- Funded in
- 24 – 48 hours