Option 1
Personal funding
For major personal expenses, consolidating obligations, or creating more financial flexibility.
- Options shaped around your stated purpose
- Your credit and income help determine fit
- Clear next steps before any lender review
Funding options
Different goals need different kinds of capital.
Compare the paths below, then use our questionnaire to share the details that can help narrow your options.
Option 2
Startup funding
For newer businesses seeking capital before they have a long revenue history.
- Often based on the owner’s personal credit
- May suit businesses with limited revenue history
- Useful for launch costs and early growth
Option 3
Business credit cards
Revolving spending power for everyday business expenses, from supplies to software.
- A revolving way to cover day-to-day costs
- Can help build a business credit profile over time
- Often a simple first step for newer businesses
Option 4
Business line of credit
Revolving access to capital that can help established businesses manage changing needs.
- Draw funds as needed up to an approved limit
- Designed for recurring working-capital needs
- Qualification commonly considers time in business and revenue
Option 5
Revenue-based funding
Working capital considered against business cash flow and future receivables.
- May not require a minimum credit score
- Repayment structures can vary
- Typically requires established monthly revenue
Option 6
Merchant cash advance
An advance option built around a business’s future sales and daily cash flow.
- Structured around ongoing card and receivable volume
- Can suit businesses with strong daily sales
- Repayment typically flexes with cash flow
Option 7
Equipment financing
Funding directed at the equipment a business needs to operate and grow.
- Capital is tied to a specific business asset
- May preserve working cash for operations
- Terms vary by equipment type and lender
Option 8
Business term loans
A lump-sum loan with a defined repayment structure for a specific investment.
- Useful for equipment, hiring, or expansion
- Predictable structure based on lender terms
- Best for a clearly defined capital need
Option 9
SBA loan guidance
Help navigating government-backed loan programs for qualifying small businesses.
- Potentially favorable long-term structures
- More documentation and qualification requirements
- Useful for established growth plans