The menu
| Structure | Suits | Trade-off |
|---|---|---|
| Short-term working capital | A deadline or fast-turning purchase | Highest cost per dollar, shortest term |
| Line of credit | Repeat, unpredictable needs | Slower to set up, then instant to draw |
| Term loan | Expansion with a longer payback | More review, lower payment |
| Revenue-based financing | Seasonal revenue | Payments move with sales, up as well as down |
| Invoice factoring | Slow-paying commercial customers | Your customer's credit carries the weight |
| Purchase order financing | A confirmed order you cannot fund | Document-heavy, needs a commercial buyer |
| Equipment financing | A specific machine or vehicle | Secured by the equipment, so priced better |
How to choose in one question
What does the money buy, and when does it pay itself back? Match the term to that answer and most of the menu eliminates itself. Inventory turning in six weeks is not a three-year loan. A second location is not a daily remittance.
When a bank is the right answer
If you have clean books, two years of returns and months of lead time, bank or SBA-backed funding is cheaper than anything on this page and you should take it. We do not offer SBA loans and will say plainly when that is the better route.
Comparing offers honestly
Common questions
Which alternative financing is cheapest?
Over a year of repeat use, a line of credit usually beats repeated one-off funding. For a single fast purchase, short-term working capital is simplest.
Do I need good credit?
Not necessarily. Deposit-based products read revenue and consistency first; scores in the 500s are placed routinely.
How fast can alternative financing move?
A decision typically within 2 to 4 hours on a complete file, funding same or next business day.
Do you offer SBA loans?
No. If an SBA loan is the right fit we will tell you, but it is not a product we offer.
See what you qualify for
Same-day decision. Applying takes a few minutes and will not affect your credit score.