Term Loan
A lump sum at a fixed rate, repaid on a schedule set before anything is signed.
- Funding amount
- $10,000 – $1,000,000
- Starting rate
- From 6%
Capital for every stage of growth
Merchant Cash Advance
A lump sum against future card receipts, recovered as a share of those receipts.
- Funding amount
- Up to $500,000
- Repayment
- Daily or weekly
- Factor rate
- 10% – 35%
- Time to fund
- 1–2 days
Merchant Cash Advance
The structure, in two paragraphs
An advance is not a loan. It purchases a fixed share of the business's future card receipts at a discount and is recovered as those receipts arrive, so a strong week repays more and a quiet one repays less. For a business with genuinely variable sales, that is the whole merit of it.
It is quoted as a factor rate rather than an interest rate, and the distinction matters: a factor rate does not fall if the advance is cleared early, and it is not comparable with the 4.5% on the working capital line above. At the upper end of its range this is the most expensive capital on this site, and it exists because it will approve businesses the other five decline.
What it provides
Why a business selects this one
- Sales-based repayment
- No collateral required
- Priced as a factor rate, not interest
- Flexible qualifications
The application
Begin your application
A few minutes, no fee, no obligation, and no impact on the owner's credit to see what the network will offer.
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All six
How it compares with the other five
Line of Credit
A facility approved once and drawn at will, with interest only on the balance taken.
- Credit limit
- Up to $1,000,000
- Starting rate
- From 5.5%
Short-Term Business Loan
The same structure as a term loan, repaid across a shorter horizon.
- Funding amount
- $10,000 – $1,000,000
- Starting rate
- From 6%
Working Capital Loan
Capital for the running of the business rather than the growing of it.
- Funding amount
- Up to $1,000,000
- Starting rate
- From 4.5%
Equipment Loan
For machinery, tools and technology, with the equipment itself as security.
- Funding amount
- Up to $250,000
- Starting rate
- From 8%
Merchant Cash Advance
A lump sum against future card receipts, recovered as a share of those receipts.
- Funding amount
- Up to $500,000
- Factor rate
- 10% – 35%