Find the financing that fits your business
Each of our four financing options is designed for a different stage and a different need. The details for each are laid out below, and if you are unsure where to begin, our team will gladly help you compare them.
Working Capital
Working capital supports the ongoing costs of running a business, whether that means getting through a seasonal slowdown, preparing for a busy period, or acting on an opportunity while it is still available. In many cases, no collateral is needed.
- Amount
- Up to $1M
- Term
- Up to 36 months
- Turnaround
- Typically as fast as 24 hours
Common uses
- Meet payroll during slower months
- Build up inventory ahead of your busiest season
- Cover expenses while you wait on customer payments
- Invest in marketing or bring on new staff
Eligibility
- At least 6 months in business
- Monthly revenue of $10K or more
- Business based in the United States
Equipment Financing
Equipment financing allows you to acquire new or used equipment and pay for it in fixed monthly installments. Because the equipment itself secures the financing, it can be a practical option for newer businesses and may offer more favorable terms than unsecured alternatives.
- Amount
- Up to $2M
- Term
- 12–84 months
- Turnaround
- Typically 2–5 business days
Common uses
- Outfit a commercial kitchen
- Add or replace vehicles in your fleet
- Purchase production or manufacturing machinery
- Modernize your computers and IT systems
Eligibility
- At least 3 months in business
- Monthly revenue of $5K or more
- Equipment used for business purposes
SBA Loans
SBA loans are partially guaranteed by the US Small Business Administration, which allows for longer repayment periods and competitive rates. They are often a strong match for established businesses that are planning to expand, purchase property, or consolidate existing debt.
- Amount
- Up to $5M
- Term
- Up to 25 years
- Turnaround
- Typically 2–4 weeks
Common uses
- Buy a commercial property
- Open an additional location
- Replace higher-cost debt with longer-term financing
- Acquire an existing business
Eligibility
- At least 2 years in business
- Monthly revenue of $15K or more
- Business meets SBA size standards
Line of Credit
A line of credit gives you access to a set amount of funds that you can draw from as needed, repay, and draw from again. Interest applies only to the amount you actually use, which makes it a sensible way to stay prepared for whatever comes up.
- Amount
- Up to $250K
- Term
- Revolving, with 12-month renewal
- Turnaround
- Typically as fast as 48 hours
Common uses
- Handle urgent repairs or unplanned costs
- Fulfill a large order before payment arrives
- Even out revenue that varies from month to month
- Keep reserve funds on hand without taking on a term loan
Eligibility
- At least 12 months in business
- Monthly revenue of $8K or more
- No recent bankruptcies
Comparing your options
Still deciding? Here is how our four financing options compare at a glance.
| Product | Amount | Term | Turnaround | Time in business |
|---|---|---|---|---|
| Working Capital | Up to $1M | Up to 36 months | Typically as fast as 24 hours | At least 6 months in business |
| Equipment Financing | Up to $2M | 12–84 months | Typically 2–5 business days | At least 3 months in business |
| SBA Loans | Up to $5M | Up to 25 years | Typically 2–4 weeks | At least 2 years in business |
| Line of Credit | Up to $250K | Revolving, with 12-month renewal | Typically as fast as 48 hours | At least 12 months in business |
Let's talk about what comes next for your business.
Whether you are planning an expansion or simply want more room to maneuver, we would be glad to hear about it.
Begin your application