What each product is, the documents you'll be asked for, and the terms you'll see along the way.
Having these ready is the single biggest thing that speeds up a decision. Your client portal shows exactly which ones your application needs, and you can photograph most of them with your phone.
Cash advance, line of credit, term loan and the rest
Line of credit, term loan, and cash advances over $100,000
Extra items these programs require
Tip: download statements as PDFs straight from your bank's website. Scanned or photographed statements usually have to be sent again, which slows everything down.
Seven ways to fund a business, and when each one tends to fit. You can apply for more than one at once and compare the offers side by side in your portal.
| Product | How it works | How you repay | Often a fit for | Amount | Term |
|---|---|---|---|---|---|
| Merchant Cash AdvanceMCA | A purchase of a share of your future sales. Not a loan. | Fixed daily or weekly payments from your business account | Steady card or deposit volume, fast needs | $10K – $5M | 4 – 18 mo |
| Line of CreditLOC | A revolving limit you draw on when needed | Weekly or monthly; interest only on what you've drawn | Ongoing or uneven cash needs | $50K – $1M | 12 mo revolving |
| Equipment FinancingEQ | A loan for new or used equipment, secured by the equipment | Fixed monthly payments | Trucks, machinery, kitchen or medical equipment | $10K – $5M | 12 – 120 mo |
| Revenue-Based FinancingRBF | Funding repaid as a fixed share of monthly revenue | A percentage of receipts, so payments flex with sales | Seasonal or variable revenue | $50K – $1M | 3 – 12 mo |
| Term LoanTL | A lump sum with a set schedule | Fixed weekly or monthly payments | Established businesses with a planned project | $25K – $500K | 12 – 60 mo |
| SBA LoanSBA | A government-backed loan from a participating lender | Monthly payments over a long term | Expansion, acquisitions, real estate; lowest rates, slowest process | $50K – $5M | 5 – 25 yr |
| Invoice FactoringINV | Cash now for unpaid B2B invoices; the rest, less fees, when your customer pays | Your customer pays the invoice | Businesses waiting 30–90 days on customers | $10K – $1M | 30 – 90 days |
Ranges are indicative. Every offer depends on your file, your state and the funder, and is subject to credit review and approval.
Most decisions come the same business day once we have your complete file, and funding usually follows in 24 to 48 hours. SBA loans take longer because of the program's own review.
The application uses a soft credit pull, which doesn't affect your score. Some loan products may need a hard pull later; you'd be told before that happens.
Generally at least 6 months in business and a 600+ credit score, with steady deposits into a business bank account. Requirements vary by product and funder.
No. A merchant cash advance is a purchase of a share of your future receivables, repaid from your sales. Lines of credit, term loans and SBA loans are loans.
Yes. Pick every product you're interested in on one application, and compare the offers side by side in your client portal.
It depends on the product and the funder. Your offer and contract say whether an early payoff reduces what you owe. You can request a payoff letter from the Funding page of your portal at any time.
No. You can apply, upload documents, review offers and message your funding team entirely from your client portal.
Your portal is protected by your password plus a passkey or authenticator app. Documents are encrypted and seen only by your funding team, and your full Social Security number is stored separately and never sent by email.
One application for any of our seven products. Soft credit pull, no obligation, and you review every offer on your own time.
