Capital Category
Business funding provides capital through loans, investors, grants, and alternative financing. The right funding source depends on your stage, revenue, collateral, and growth plans — from SBA loans to venture capital and crowdfunding.
Business funding spans debt financing (bank loans, SBA loans, lines of credit, equipment financing), equity financing (angel investors, venture capital, private equity), and alternative financing (crowdfunding, revenue-based financing, merchant cash advances). Each option has different costs, terms, and qualification requirements.
Capital is the fuel for growth. Whether you are launching, expanding, or bridging a cash flow gap, the right funding lets you move when opportunities arise. Choosing the wrong type — or over-leveraging — can create unsustainable debt, so matching the funding to the purpose is critical.
| Service Type | Price Range |
|---|---|
| SBA 7(a) loan | $50,000 – $5,000,000 |
| Term loan (online) | $5,000 – $500,000 |
| Business line of credit | $10,000 – $250,000 |
| Revenue-based financing | $5,000 – $500,000 |
| Venture capital | $250,000 – $10,000,000+ |
Merchant cash advances and revenue-based financing are the easiest to qualify for — they require minimal time in business and credit scores. However, they are also the most expensive. For better rates, target SBA loans or bank term loans if you qualify.
Online lenders and alternative financiers work with businesses that have limited or poor credit. Expect higher rates and shorter terms. You can also use collateral (equipment, real estate) or a co-signer to improve your terms.
Revenue-based financing provides a lump sum in exchange for a percentage of your future daily revenue. Instead of fixed monthly payments, you pay a set factor rate (e.g., 1.3x) through daily or weekly debits. It is fast but more expensive than traditional loans.
Loans keep your ownership intact but require regular payments that strain cash flow. Equity (investors) has no repayment pressure but dilutes your ownership and control. Choose debt if you can service the payments; choose equity if you need larger capital and are prepared to share upside.
Business Funding
iBusiness Funding provides small business funding for small and mid-sized businesses across the United States.
Business Funding
Business Funding Group provides working capital for small and mid-sized businesses across the United States.
Business Funding
JPMorgan Chase Bank provides business credit for small and mid-sized businesses from New York, NY.
Business Funding
Live Oak Bank provides sba lending for small and mid-sized businesses from Wilmington, NC.
Business Funding
Harvest Small Business Finance provides sba funding for small and mid-sized businesses across the United States.