Six instruments
These are not tiers of one product. They cost differently, move at different speeds and fail in different ways. Each page says plainly when its product is the wrong choice.
- Merchant cash advance Sell a slice of future revenue for cash today. Fastest option on this page.
- Business line of credit Revolving capital you draw only when you need it, and pay for only when drawn.
- Term loan A fixed amount over a fixed period, with predictable payments.
- Equipment financing The equipment secures the funding, so rates are usually lower.
- Invoice factoring Get paid now for invoices your customers will pay in 30, 60 or 90 days.
- SBA loans The cheapest money available to most small businesses, and the slowest.
Choosing between them
- Need it this week, revenue is steady → merchant cash advance. Fastest and dearest.
- The gap keeps recurring → line of credit. Pay only for what you draw.
- A defined project with a defined return → term loan. One predictable payment.
- Buying a specific asset → equipment financing. The asset secures it, so it prices lower.
- You invoice businesses on net terms → invoice factoring. Fixes the cause, not the symptom.
- You can wait 30–90 days → SBA. Cheapest money most operators can get.
Speed against cost
The same six, plotted. The diagonal is the trade you are choosing between.
Not sure which one fits?
That is the question we are actually useful for. Apply and we will tell you, or call and ask first.