Term Loan
The most traditional business loan: one sum, repaid on a fixed schedule.
- Funding amount
- Up to $1M
- Rate
- Starting at 5.5%
Working capital
Business Working Capital Loan
Money for the running of the business, when the bank's timetable is too slow.
- Funding amount
- Up to $1M
- Funding speed
- Typically 1–2 business days
- Cost
- Starting at 4.5%
- Repayment
- Daily or weekly ACH
What working capital is
How it works, and what it suits
Working capital is what a business spends to keep its doors open from day to day: wages, rent, supplies, the gap between sending an invoice and being paid for it. When something unexpected lands on that, the bank is often the slowest place to ask, and its criteria the strictest.
A working capital loan fills the short-term need without the long application. Repayment is taken daily or weekly, which keeps each payment small. Solid credit and two years' trading give the best chance of an approval, and the application is free and commits you to nothing.
Who it is built for
Three trades this programme is most often used by
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Automotive
4 of the six name it
Repair shops, dealers and fleets: lifts and diagnostic gear, parts on the shelf, and vehicles that earn the money back.
- Term loanUp to $1M
- Short-term loan$10K – $1M
- Working capitalUp to $1M
- Equipment financingUp to $250K
-
Medical
4 of the six name it
Practices and clinics carrying equipment costs and the long wait between treating a patient and being reimbursed.
- Term loanUp to $1M
- Line of creditUp to $1M
- Working capitalUp to $1M
- Equipment financingUp to $250K
-
Inventory
3 of the six name it
Any business whose money sits on shelves or pallets until it sells: wholesalers, distributors, online sellers.
- Line of creditUp to $1M
- Working capitalUp to $1M
- Cash advance$5K – $500K
What it gives you
The short version
- Up to $1 million
- Small daily or weekly repayments
- Typically funded in one to two business days
- No obligation to accept an offer
The application
Take advantage of business financing today
One free application, read for all six programmes by 75+ lenders. A representative will be in touch within one business day to go through what comes back.
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Financial options
All six, this one marked
Business Line of Credit
A revolving limit you draw on when you need it and pay for only when you do.
- Funding amount
- Up to $1M
- Cost
- Starting at 4.5%
Short-Term Business Loan
Quick cash with a quick payback, for a need with an end date.
- Funding amount
- $10K – $1M
- Cost
- Beginning at 6%
Business Working Capital Loan
Money for the running of the business, when the bank's timetable is too slow.
- Funding amount
- Up to $1M
- Cost
- Starting at 4.5%
Equipment Financing
The full cost of new or used equipment, leased or bought, without paying it upfront.
- Loan amount
- Up to $250K
- Cost
- As low as 8%
Business Cash Advance
An advance on the sales a business has not made yet.
- Funding amount
- $5K – $500K
- Factor rate
- 10% – 35%