Other Business Financing Solutions
Beyond equipment and real estate, businesses need capital for operations, growth, and everything in between. Explore working capital loans, SBA 7(a) programs, business lines of credit, invoice factoring, and more.
Business Financing Programs
Choose the financing structure that fits your business goals.
Working Capital Loans
Short-to-medium term loans designed to cover everyday operating expenses — payroll, inventory, marketing, and cash flow gaps. Get funded in as little as 24–48 hours.
- Loan amounts: $10,000 – $2,000,000
- Terms: 3 – 24 months
- No collateral required for many programs
- Minimal documentation for established businesses
- Funds deposited directly to your business account
Best for: Seasonal businesses, rapid growth, or short-term cash flow needs.
SBA 7(a) Loans
The SBA's flagship loan program offers up to $5 million with government-backed guarantees, making approvals accessible for businesses that might not qualify for conventional loans.
- Loan amounts: Up to $5,000,000
- Terms: Up to 10 years (working capital) or 25 years (real estate)
- Rates tied to prime rate + SBA spread
- Can be used for almost any business purpose
- 10% down payment for many uses
Best for: Established businesses needing larger capital with longer repayment terms.
Business Lines of Credit
A revolving credit facility that lets you draw funds as needed and repay at your own pace. Only pay interest on what you use. Perfect for managing unpredictable cash flow.
- Credit limits: $10,000 – $500,000+
- Revolving — replenishes as you repay
- Draw funds in minutes via online portal
- Interest charged only on outstanding balance
- Secured and unsecured options available
Best for: Businesses with fluctuating cash flow or ongoing capital needs.
Invoice Factoring
Turn outstanding invoices into immediate cash. Sell your accounts receivable to a factor and receive 80–95% of the invoice value upfront — no waiting 30, 60, or 90 days to get paid.
- Advance rate: 80–95% of invoice value
- Remaining balance paid when customer pays
- No debt added to your balance sheet
- Approval based on your customers' credit, not yours
- Works well for B2B businesses with net terms
Best for: B2B businesses with long payment cycles and creditworthy customers.
Not Sure Which Option Fits?
Every business is different. Our financing specialists take the time to understand your situation and match you with the program that makes the most sense — not just the one that's easiest to sell.
- Free consultation with a business financing specialist
- We compare offers from 50+ lenders simultaneously
- No impact to your credit to start the conversation
- Transparent terms — no hidden fees or surprises
- Guidance for startups and established businesses alike
Quick Comparison
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