The eight structures
| Type | What it is | Best for |
|---|---|---|
| Short-term working capital | A lump sum repaid over months | A deadline or fast-turning buy |
| Line of credit | A revolving limit you draw on | Repeat, unpredictable needs |
| Term loan | Lump sum, fixed payments, longer term | Expansion, build-out |
| Revenue-based financing | Payments move with your sales | Seasonal businesses |
| Merchant cash advance | Purchase of future receivables | Card-heavy businesses needing speed |
| Invoice factoring | Selling unpaid invoices at a discount | Slow-paying commercial customers |
| Equipment financing | Secured by the equipment bought | Machines, vehicles, fit-out |
| SBA-backed loans | Bank loan with a government guarantee | Planned growth, months of lead time |
The question that narrows it
What does the money buy, and how long until it pays for itself? Match the term to that and most of the list eliminates itself. Stock turning in six weeks is not a three-year loan. A second location is not a daily remittance.
What we offer and what we do not
We fund working capital, lines of credit, term loans, revenue-based financing, MCA refinancing and second positions. We do not offer SBA loans, equipment leasing or commercial real estate. When one of those is the right answer we will say so rather than push you into something faster and more expensive.
Comparing across types
Common questions
Which type is cheapest?
SBA-backed and bank loans, by a wide margin — if you qualify and can wait. Among fast products, a line of credit usually beats repeated one-off funding over a year.
Which is fastest?
Deposit-based working capital. A decision typically within 2 to 4 hours on a complete file.
Can I combine types?
Yes, and it is common. Disclose every existing position so the combined payment load is modelled properly.
Do you offer SBA loans?
No. We will tell you when an SBA loan is the better route, 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.