14 programs

Small Business Funding Programs

Each of these is underwritten on something different. Find the one that is underwritten on something you already have — that is the one that says yes.

A couple reviewing their business numbers on a laptop at the kitchen table

Small Business Loans

A small business loan is a lump sum you receive up front and repay on a fixed schedule with a fixed cost. It is the simplest, cheapest-feeling form of…

$10,000 – $5,000,0006 months – 10 years Same day to 3 days

A shop owner checking stock on a tablet between warehouse racks

Business Line of Credit

A line of credit is a pre-approved pool of money you can draw from, repay, and draw again. You are only charged for what you actually use — which is w…

$10,000 – $5,000,0006 months – 10 years Same day

An owner standing with keys in an empty commercial space she is taking over

SBA Loans

An SBA loan is a bank loan that the U.S. Small Business Administration partially guarantees. That guarantee is why the bank will lend longer and cheap…

$50,000 – $5,000,00010 – 25 years 30 – 45 days (approval in 48–72 hrs)

A new excavator in a yard at dusk with the operator climbing down

Equipment Financing

Equipment financing is secured by the thing you are buying. Because the lender can repossess a CNC machine or a box truck and sell it, the credit bar …

$10,000 – $5,000,00012 months – 5 years A few days

A stack of unpaid invoices under a desk lamp being flipped through

Invoice Factoring & A/R Financing

Factoring advances you cash today against invoices your customers have not paid yet. The lender is underwriting *your customers'* ability to pay, not …

$10,000 – $5,000,0006 months – 10 years 2 – 5 days

A customer tapping a card on a terminal at a cafe counter

Merchant Cash Advance

A merchant cash advance is not a loan. You sell a slice of your future revenue at a discount and repay through a fixed daily or weekly debit until the…

$10,000 – $5,000,000Flexible (revenue-based) Same day

Two founders assembling shelving in an empty retail space at night

Startup Funding

Startup funding underwrites *you* — your credit profile and your plan — because the business has no history to underwrite. There is no minimum time in…

$10,000 – $5,000,00012 months – 5 years Fast (hours in underwriting)

An owner in a hard hat walking through a half-built restaurant interior

Franchise Financing

Funding for a franchise usually comes from three places: an SBA 7(a) loan for a first unit (many brands are listed in the SBA Franchise Directory), eq…

$10,000 – $5,000,0006 months – 10 years 2 – 7 days

A two-story brick commercial building with lit windows at dusk

Commercial Real Estate Financing

Commercial real estate financing covers buying, refinancing, or pulling equity out of income property and owner-occupied buildings. Because the buildi…

Program dependentProgram dependent As little as 30 days

A contractor and investor on the porch steps of a house mid-renovation

Fix & Flip Financing

Fix and flip financing is short-term money underwritten against a property's after-repair value rather than its condition today. Qualified projects ca…

Up to $3,000,000Flexible, project-matched Prequalified in minutes

A landlord handing keys to a tenant at the door of a small duplex

Residential Investment Property Loans

An investment property loan funds a residential property you will hold for income rather than live in. Published programs start at 8.99% with up to 80…

Up to 80% of purchaseProgram dependent As little as 20 days

A warehouse owner with a clipboard beside pallets at a loading dock

Purchase Order Financing

Purchase order financing pays your supplier so you can fill an order that is bigger than your bank account. The confirmed order from a creditworthy cu…

$10,000 – $5,000,0006 months – 10 years Same day

An owner comparing two sets of building plans on a table under one lamp

Bridge Loans

A bridge loan is deliberately temporary money that gets you from now to the event that pays it off — an SBA closing, a property sale, a customer payme…

$10,000 – $5,000,0006 months – 10 years Same day

A warehouse aisle stacked with inventory lit by a single shaft of light

Asset-Based Lending

Asset-based lending sizes a facility off a borrowing base — a percentage of eligible receivables, inventory and equipment — instead of off trailing ca…

$10,000 – $5,000,000Program dependent Days to weeks

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

No cost · No obligation

Not sure which one fits?

Answer three questions and we will point you at the programs you already qualify for.

Check my options Use the estimator Text FUNDING to (540) 556-4123

Checking your options does not affect your business credit. A soft review only.