Term Loan
One lump sum at a fixed rate, with a payment that does not move for up to three years.
- Amount
- $20,000 – $1,000,000
- Cost
- Starting at 5.5%
Funding programme
Business Cash Advance
An advance against future receivables, repaid as a share of what comes in. The dearest money here.
- Amount
- $5,000 – $500,000
- Term
- Daily or weekly ACH
- Cost
- 10% – 35% factor
- Funded in
- 24–48 hours
What it gives you
What cash advance gives you.
- Repayment rises and falls with revenue
- Decided on takings, not credit score
- Low credit scores considered
- Priced as a factor, not as interest
Cash advance
What it gives you
An advance is not a loan. It buys a share of a business's future card or other receivables at a discount and collects as those sales arrive, so a strong week repays more and a quiet week repays less. For a business whose months are not the same size, that is the point of it.
It leans on takings rather than on a credit file, which is why it approves where the other five decline. It is also priced as a factor rather than as interest, and clearing it early does not reduce what is owed — worth understanding before signing rather than after.
The cash advance is priced as a factor rather than as interest, and the two do not compare. A factor of 10% on $100,000 is $110,000 to repay whether it clears in six months or eighteen — paying it off early does not make it cheaper. Interest does fall when the balance does.
The application
Apply
About two minutes, no fee, no obligation, and no mark on the owner's credit score for asking.
Rather talk to somebody first? (844) 333-5002, Monday to Friday, 9am – 6pm PT.
All six
All six, with this one where it sits
Every figure side by side, so the comparison does not depend on remembering the last page.
Business Line of Credit
An approved limit that costs nothing until the day you draw on it.
- Amount
- Up to $1,000,000
- Cost
- Starting at 4.5%
Short-Term Business Loan
A term loan with a shorter life, for the thing that will not wait for a bank.
- Amount
- $10,000 – $1,000,000
- Cost
- Beginning at 6%
Working Capital Loan
For payroll, rent, stock, and the stretch between the work and the payment.
- Amount
- Up to $1,000,000
- Cost
- Starting at 4.5%
Equipment Financing
For the machines, vehicles and systems a business runs on — and the one program here that is normally secured.
- Amount
- Up to $250,000
- Cost
- As low as 8%
Business Cash Advance
An advance against future receivables, repaid as a share of what comes in. The dearest money here.
- Amount
- $5,000 – $500,000
- Cost
- 10% – 35% factor