Business Funding Built Around Your Business

Business funding is capital provided to a business for operating or growth purposes. It covers several structures, including term loans, lines of credit, merchant cash advances, equipment financing, SBA loans and revenue-based financing. They differ in cost, speed, documentation and how repayment behaves when revenue changes.

You submit an application with basic business details and recent financial information, usually including business bank statements. A financing provider reviews revenue, time in business, existing obligations and credit, then determines whether to make an offer and on what terms. If you accept, funds are delivered and repayment begins on the agreed schedule. All financing is subject to approval.

A merchant cash advance is the purchase of a fixed amount of your future business receipts, delivered as a lump sum and repaid through a share of daily or weekly sales. It is not a loan, and cost is expressed as a factor rate rather than an interest rate. Read the full explanation.

Amounts are determined by the financing provider after reviewing a complete application. Revenue is usually the largest factor, alongside time in business, deposit consistency, existing debt and credit. Because every provider underwrites differently, no amount can be indicated before an application is reviewed.

Most applications start with three to six months of business bank statements, a completed application, and photo ID for owners holding 20% or more. Larger or longer-term financing typically adds business tax returns, financial statements and a debt schedule. See the full checklist.

The application itself is short — most business owners complete it in a few minutes. Review timelines vary by product and provider: revenue-based products reviewed on bank statements move faster than SBA or conventional bank financing, which involves fuller underwriting. No specific timeline can be promised before a complete application is reviewed.

Credit is one factor among several, and some products weight recent business revenue more heavily than credit score. Businesses with imperfect credit do sometimes qualify, generally at a higher cost of capital. Approval is never guaranteed and not all applicants qualify.

A business loan advances principal repaid with interest on a fixed schedule to a fixed maturity date. A merchant cash advance purchases future receipts at a discount, priced with a factor rate and repaid as a share of sales with no fixed end date. Loans are generally cheaper and slower; advances are generally faster and more expensive. Compare the structures.

Yes. Working capital — payroll, rent, inventory, suppliers — is one of the most common uses of business financing. Most general-purpose products place few restrictions on use, unlike equipment financing or SBA loans, which have defined use-of-proceeds rules. Read more about working capital financing.

In many cases yes. Business debt consolidation replaces several obligations with a single payment, which can reduce weekly outflow. Because a longer term can raise total cost, compare both the payment and the total remaining cost before proceeding. Consolidation is subject to approval.

You apply to a participating lender rather than to the SBA. The lender underwrites the loan and obtains a partial government guarantee, which reduces its risk and supports longer terms. You repay the lender directly. The trade-off is a fuller document package and a process measured in weeks. See the SBA overview.