Business Category
Business financing gives your company the capital it needs to operate, grow, or invest — through loans, lines of credit, equipment financing, or merchant cash advances. The right option depends on your revenue, time in business, credit profile, and how fast you need the funds.
Business financing covers a wide range of funding solutions designed to help companies cover operational costs, invest in growth, purchase equipment, or manage cash flow gaps. Common types include term loans, business lines of credit, SBA loans, equipment financing, invoice factoring, and merchant cash advances. Each serves a different need: term loans for large one-time investments, lines of credit for flexible working capital, and factoring for fast cash from outstanding invoices.
Most small and mid-sized businesses need external capital at some point — to bridge seasonal cash flow gaps, purchase inventory, hire staff, or invest in marketing. Without financing, growth opportunities pass by and cash flow crunches can threaten operations. The right financing lets you move on opportunities without draining your reserves.
| Service Type | Price Range |
|---|---|
| Short-term business loan | $5,000 – $500,000 |
| Business line of credit | $10,000 – $250,000 |
| SBA 7(a) loan | $50,000 – $5,000,000 |
| Equipment financing | $10,000 – $1,000,000 |
| Merchant cash advance | $5,000 – $250,000 |
Most lenders look for at least 6 months in business, $50,000+ in annual revenue, and a personal credit score of 600 or higher. SBA loans have stricter requirements, while merchant cash advances and short-term loans are more flexible but cost more.
Online lenders and merchant cash advances can fund in 24–48 hours. Short-term loans typically take 1–3 business days. SBA loans take 2–6 weeks due to government processing requirements.
A loan gives you a lump sum that you repay over a fixed term. A line of credit lets you draw funds as needed and only pay interest on what you use — ideal for managing cash flow gaps.
Most online lenders and marketplaces offer a soft credit pull for pre-qualification, which does not affect your score. A hard pull only happens when you formally accept an offer.
Business Financing
Live Oak Banking Company provides sba & term lending for small and mid-sized businesses from Wilmington, NC.
Business Financing
ReadyCap Lending, LLC provides small business loans for small and mid-sized businesses from New York, NY.
Business Financing
WSFS Bank provides commercial lending for small and mid-sized businesses from Wilmington, DE.
Business Financing
Fidelity Bank provides commercial loans for small and mid-sized businesses from Fuquay-Varina, NC.
Business Financing
Citizens Bank provides business lines of credit for small and mid-sized businesses from Providence, RI.
Business Financing
Get pre-approved for SBA 7(a) and Express loans up to $5M with up to 25-year repayment terms. Low rates, no collateral on credit lines, and no upfront fees. We handle acquisition, refinance, partner buyout, and commercial real estate financing.
Business Financing
— Demo provider Working Capital Loans $50K–$5M.