Business Loans & Financing for Small Businesses
Compare small business loan options — SBA loans, working capital, lines of credit, equipment financing, and invoice factoring — and get matched with the right funding fast.
Find the Right Business Loan for Your Company
Every business has different funding needs. Whether you're covering payroll gaps, buying equipment, expanding into a new market, or acquiring real estate, the right business loan depends on how much capital you need, how fast you need it, and how you plan to repay it.
Two of the most common starting points are SBA loans for long-term, lower-rate financing, and working capital loans for fast, flexible cash flow. Below you'll find a side-by-side overview of every business financing product we offer.
Compare Business Loan Options
| Loan Type | Best For | Typical Amount | Funding Speed | |
|---|---|---|---|---|
| SBA Loans | Long-term growth, real estate, larger expansion | $50K – $5M | 3–6 weeks | Learn more |
| Working Capital | Payroll, inventory, day-to-day cash flow | $10K – $500K | 24–48 hours | Learn more |
| Business Line of Credit | Recurring or unpredictable expenses | $10K – $250K | 2–5 days | Learn more |
| Equipment Financing | Machinery, vehicles, technology purchases | Up to 100% of equipment cost | 1–3 days | Learn more |
| Invoice Factoring | B2B businesses with unpaid invoices | Up to 90% of invoice value | Same week | Learn more |
Real Estate Financing
Unlock the potential of your real estate investments with flexible financing solutions for acquisitions, development, bridge needs, and refinancing — commercial, multi-family, and investor portfolios.
- Tailored loan structures
- Competitive rates
- Quick approvals
- Bridge & long-term options
Business Line of Credit
Access funds when you need them with a revolving line of credit. Draw, repay, and redraw — only pay interest on what you use, perfect for managing cash flow and seizing opportunities.
- Revolving access to capital
- Pay interest only on funds used
- Fast decisions
- Flexible repayment
Invoice Factoring
Convert your outstanding invoices into immediate working capital. Stop waiting 30, 60, or 90 days for customers to pay — fund payroll, inventory, and growth today.
- Same-week funding
- No new debt added
- Scales with your sales
- Credit-friendly approval
Equipment Financing
Secure the essential equipment your business needs to operate and grow without depleting your working capital — flexible programs across industries from machinery and vehicles to technology.
- Preserve cash flow
- Upgrade tech & machinery
- Potential tax advantages
- Flexible terms
Working Capital
Keep your business running smoothly with working capital solutions designed for payroll, inventory, marketing, and unexpected expenses — funded fast with terms built for your revenue cycle.
- Fast funding (24–48 hrs)
- Use for any business need
- Revenue-based options
- Renewable as you grow
SBA Loans
Take advantage of government-backed Small Business Administration loans with competitive rates, longer repayment terms, and lower down payments — ideal for expansion, real estate, or larger working capital needs.
- Lower interest rates
- Longer repayment terms
- Flexible use of funds
- Government guarantee
Credit Repair
Boost your credit score and unlock better funding opportunities with our expert credit repair program. We help you address inaccuracies, build positive history, and qualify for stronger terms.
- Personalized credit strategy
- Dispute inaccurate items
- Build positive tradelines
- Qualify for better rates
Explore Our Top Business Financing Programs
Jump straight to the funding solutions our clients ask about most — government-backed SBA loans, fast working capital, and credit repair to help you qualify for better rates.
SBA Loans for Small Business
Government-backed SBA 7(a) and 504 loans with low rates, long terms, and amounts up to $5M for expansion, real estate, and acquisitions.
Explore SBA loan programsWorking Capital Loans
Get fast small business funding in 24–48 hours for payroll, inventory, marketing, and day-to-day cash flow needs.
Get working capital fundingBusiness Credit Repair
Improve your credit profile with our business credit repair program and qualify for lower rates and higher loan amounts.
Start credit repair todayBusiness Loans FAQ
What types of business loans are available for small businesses?
Small business owners can choose from several financing options. SBA loans offer government-backed financing with low rates and long terms. Working capital loans provide fast, flexible cash flow funding. Other options include business lines of credit, equipment financing, and invoice factoring.
What's the difference between an SBA loan and a working capital loan?
SBA loan programs like 7(a) and 504 offer larger amounts, lower interest rates, and repayment terms up to 25 years — but the approval process takes 3–6 weeks. Working capital loans for small business fund in 24–48 hours with shorter terms, making them ideal for payroll gaps, inventory purchases, and urgent cash flow needs.
How fast can I get approved for a small business loan?
Approval speed depends on the loan type. Revenue-based working capital funding and equipment financing typically fund in 1–3 business days. SBA loan financing takes 3–6 weeks due to SBA underwriting and documentation requirements.
What credit score do I need to qualify for business financing?
Credit requirements vary by product. Revenue-based working capital and invoice factoring can approve scores as low as 550. SBA loans typically require a 650+ credit score. If your score needs improvement, our business credit repair services can help you dispute inaccuracies, build positive tradelines, and qualify for lower-rate business loans.
Can I get a business loan with bad credit?
Yes — several business loan options work with lower credit scores. Invoice factoring and revenue-based working capital focus on your business income rather than personal credit. You can also enroll in our small business credit repair program to improve your profile and unlock better rates on SBA and term loans.
When should I choose an SBA loan over other business financing?
Choose an SBA small business loan when you need $50,000 or more for expansion, commercial real estate, or debt refinancing and can wait 3–6 weeks for funding. The lower rates and longer repayment terms make SBA loans one of the most affordable financing options for growing companies.
How can I improve my chances of getting approved for a business loan?
Start by organizing your financial statements, tax returns, and bank statements. Keep your debt-to-income ratio low and maintain consistent revenue. If your credit score is holding you back, our credit repair for business owners can help you clean up your report and qualify for larger loan amounts at better rates.
Not sure which business loan is right for you?
Get a free funding consultation — we'll match you with the best loan product for your business in minutes.
Contact us for a free consultation