Working capital for operating businesses
Advances, term loans, lines and equipment finance — matched against 26 active funding partners, not one lender's credit box.
Do you qualify?
Meet all three and there is almost certainly a program for you. Meet two and it is worth a conversation — our partners' floors differ.
Different problems want different money. We place the one that fits, and tell you plainly when a cheaper product would serve you better.
An advance against future receivables, repaid as a share of daily revenue. $5K–$500K, funded in 24–48 hours. Priced by factor rate, not interest.
Government-guaranteed, longest terms and the cheapest money on this page. Slowest to close — weeks, not days.
Fixed amount, fixed payment, fixed end date. The right call when you know exactly what the money is for.
Draw what you need, pay interest only on what you draw. Built for timing gaps rather than one-off purchases.
The equipment secures the loan, which usually means a better rate than unsecured money at the same credit profile.
Sell outstanding invoices for cash now. Priced on your customers' credit, not only your own.
A factor rate is not an interest rate, and the difference is enormous. Most advance providers never convert one to the other. We do it on every offer, before you sign.
| You receive | $50,000 |
| You repay | $67,500 |
| Cost of the money | $17,500 |
| Daily payment, 120 business days | $562.50 |
| Equivalent annual rate | ≈ 132% APR |
Because you start repaying immediately, you never have the full $50,000 for a full year. That is what turns a "1.35" into triple digits. Calculated as the annualised internal rate of return on 120 daily payments.
An advance is the right product when speed is worth the premium — a sudden opportunity, a gap no bank will cover in time. It is the wrong product when you could have waited three weeks for an SBA loan at a fraction of the cost.
You cannot make that call without the comparable number. So we give you it, and we will tell you when the cheaper option is the better one, even though it pays us less.
Programs
Ranges reflect what our funding partners commonly approve. They are not quotes, and your terms depend on revenue, time in business, credit and existing positions.
| Program | Amount | Speed | Term | Priced by | Best when |
|---|---|---|---|---|---|
| Merchant Cash Advance | $5K–$500K | 24–48 hrs | 3–18 mo | Factor rate | Speed matters more than cost |
| Business Term Loan | $25K–$500K | 2–7 days | 1–5 yr | Interest rate | A known, one-off expense |
| Line of Credit | $10K–$250K | 2–7 days | Revolving | Interest on drawn | Recurring timing gaps |
| SBA 7(a) / 504 | $50K–$5M | 3–8 weeks | 10–25 yr | Prime + spread | Cost matters more than speed |
| Equipment Financing | $10K–$2M | 2–10 days | 2–7 yr | Interest rate | The asset secures itself |
| Invoice Factoring | Up to 90% of invoice | 1–3 days | Per invoice | Discount rate | Slow-paying commercial customers |
SBA pricing moves with the prime rate, currently 7.00% (Federal Reserve H.15, 3 Nov 2026). Not an offer or commitment to lend.
Worth saying plainly, so nobody spends a week on an application that was never going to clear.
Almost every partner wants six months of bank statements. Startups need a different route entirely.
Most funders cap non-sufficient-funds events per month. Three clean months changes the answer more than anything else you can do.
Stacked advances are the most common decline. We check this from your statements before submitting, not after.
How it works
One application goes to the partners whose criteria you actually meet — not a blast to everyone, which damages your file.
Business details, monthly revenue, what the money is for. No credit pull at this stage, and no documents yet.
We read them for average revenue, deposit consistency, NSF activity and any existing advances. That read determines which partners see your file.
Every offer shown with its amount, its payment, its term and its true annualised cost, so you are comparing the same thing across products.
Signed application · three to six months of business bank statements, all pages · government photo ID · voided business cheque · EIN letter or business licence.
Accounts receivable and payable ageing · most recent business tax return · merchant processing statements if a large share of revenue is card-based · proof of ownership.
Bank statements are never uploaded through this website. After your first conversation we send a secure link, so your financial records never sit in a web form provider's store. It is one extra step and it is deliberate.
Business Lending Central
Credit conditions, benchmark rates and what they mean for a small business trying to borrow right now. Updated from public data on each publisher's own schedule.
Prime and fed funds: Federal Reserve H.15. Treasury: daily par yield curve. Both update automatically. Credit conditions: Federal Reserve Senior Loan Officer Opinion Survey, October 2026.
Banks reported tightening standards for commercial and industrial loans to small firms — those with under $50 million in sales — while also raising collateral requirements and making more use of interest rate floors. Demand for C&I loans weakened across businesses of every size.
In plain terms: the bank route got harder this quarter, which is exactly when alternative funding gets used for the wrong reasons. It is worth knowing which side of that you are on before you borrow.
Federal Reserve, October 2026 survey · page last updated 2 Nov 2026 · responses collected to 5 Oct 2026
Every other small-business funding site opens with how fast they can wire money. None of them tell you whether a bank would have said yes.
This survey is the single best public read on that, it is free, and it updates four times a year. It costs nothing to maintain and it is the kind of thing a business owner remembers.
Convert a factor rate into the number you can actually compare against a loan. Change any input.
Annualised internal rate of return on the daily payment stream, 252 business days per year. Indicative — a real offer's APR depends on its exact remittance schedule, any origination fee, and whether payments are daily or weekly. Not an offer to lend.
| Factor rate | On $50,000 you repay | Cost | Equivalent APR | Compare to |
|---|---|---|---|---|
| 1.15 | $57,500 | $7,500 | ≈ 60% | — |
| 1.25 | $62,500 | $12,500 | ≈ 97% | — |
| 1.35 | $67,500 | $17,500 | ≈ 132% | Term loan at 24%: $13,445 over 2 years |
| 1.49 | $74,500 | $24,500 | ≈ 179% | — |
All rows assume a 120-business-day term with daily remittance. The term-loan comparison is a $50,000 loan amortised monthly over 24 months at 24% APR, total cost $13,445 — less money, over four times longer.
Headlines link straight to the publisher. We do not republish articles.
Headlines come from deBanked, the Federal Reserve and the CFPB. We link to the publisher and never republish article text.
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This is a soft enquiry. Nothing is submitted to a funder until you have seen offers and said go.
By submitting you agree we may contact you about funding by phone, email or text at the details above. Message and data rates may apply; reply STOP to opt out. Bank statements are never collected through this form — we send a secure link afterwards. Submitting does not obligate you to accept any offer, and is not a commitment to lend. See our Privacy Policy and SMS Terms.