Merchant cash advances, revenue-based financing, business lines of credit, equipment financing, invoice factoring and SBA lenders. Compare them on total cost, payment schedule and speed.
Check my optionsFinancing options
When a bank loan is out of reach or simply takes too long, small businesses usually turn to one of six alternatives, each built for a different kind of cash need.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Advances, lines of credit and second-position options in one place.
Your file goes to funders that fit it, so offers can be compared.
A human reads the file, not just an algorithm score.
Approved files are usually funded the next business day.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
For an immediate, one-time need such as equipment that broke or inventory for a big order, merchant cash advances and revenue-based funding are the fastest options, often deciding the same day. For recurring gaps like payroll timing, an online line of credit lets you draw only what you need and repay as cash comes in.
If your customers pay on 30 to 90-day terms, invoice factoring or invoice financing turns those receivables into cash now. Equipment financing spreads the cost of machinery or vehicles over its useful life. Microloans and community lenders serve smaller, newer businesses at lower cost, but with more paperwork and slower timelines.
The right alternative depends on the job, not the price alone. Match the product to the need, then compare offers on net cash received, total payback and payment schedule. Using a marketplace lets several funders compete for the same file, which is the easiest way to see the options side by side.
Keep the bank relationship even while using alternatives. A business that maintains its checking account, pays alternative funding on time and keeps clean statements is building exactly the record a bank will want to see when it reapplies in a year or two.
Here is how a common bank-loan alternative is priced. Illustrative figures.
| Amount funded | $125,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $162,500 |
| Fees deducted at funding (5%) | $6,250 |
| Net cash you receive | $118,750 |
| Weekly payment over 40 weeks | $4,062 |
| Same total as daily debits (~200 business days) | $812/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Sudden one-time expense | Merchant cash advance or revenue-based funding |
| Recurring timing gaps | Business line of credit |
| Slow-paying customers | Invoice factoring |
| Machinery or vehicles | Equipment financing |
| Small amount, newer business | Microloan or community lender |
Good fit:
Probably not yet:
Usually, because they approve faster and take more risk. The trade-off can be worth it when timing matters or the bank has declined.
A marketplace application reaches multiple funders with one file, which avoids repeating paperwork and limits credit inquiries.
It varies. Revenue-based funding can start at 500; lines of credit and term products usually want stronger credit.
Not if you make payments on time. A clean repayment record can actually support a future bank application.
Offers are typically sized to your monthly revenue, balances and existing payments rather than collateral.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding