A traditional term loan is a lump sum of capital repaid through regular, amortized payments over a fixed period, typically at a fixed interest rate. Longer repayment terms result in lower monthly payments, enabling businesses to access larger amounts of capital.

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Equipment financing is a type of term loan used to purchase business equipment, with the equipment itself serving as collateral. It offers a fast and straightforward way to finance up to 100% of the equipment your business needs—ranging from vehicles and heavy machinery to technology and specialized tools. Eligible businesses can access capital to acquire essential equipment while leveraging the asset as security for the loan.

A merchant cash advance (MCA) is an advance on your projected future sales. An MCA is one of the fastest and simplest ways to access capital, requiring no collateral and typically no minimum credit score. Because it is not technically a loan, approval is based primarily on the strength of your revenue rather than your credit profile. This allows businesses to avoid the lengthy approval process associated with traditional financing and obtain funding quickly by leveraging their future sales.

A Revenue Advance is designed for growing companies that need fast, flexible capital. Key advantages over traditional financing include rapid funding, flexible remittance options, and reduced documentation requirements. An alternative financing solution in which future sales are purchased at a discount, with an agreed-upon portion of those future sales remitted on a daily or weekly basis. This structure enables businesses to leverage future revenue—an asset not yet produced—to meet immediate cash-flow needs or support expansion initiatives.

An SBA loan is typically issued by a private lender but backed by the U.S. Small Business Administration. The SBA’s guarantee lowers the lender’s risk, allowing small businesses to access capital with more flexible terms, even if they’re newer or have lower credit. SBA loans aren’t just for startups — established businesses can also qualify if they meet size and eligibility requirements. While the guarantee helps with approval, it’s still a traditional loan that requires documentation and repayment.

The defining feature of a business line of credit is that it revolves. Any principal you repay on the amount you’ve drawn becomes available to use again, providing essential flexibility. You only pay interest on the funds you actually draw, making it a highly efficient working-capital tool. You can draw funds as needed to access working capital, purchase inventory, manage seasonal cash-flow fluctuations, or address virtually any business emergency or opportunity.

Asset-based lending is a type of financing secured by the assets listed on a business’s balance sheet. The business pledges collateral — such as accounts receivable, inventory, equipment, real estate, or intellectual property — and the lender applies a discount rate to determine the eligible value. Funding is then issued as a line of credit or term loan based on that adjusted asset value. Asset-based lending focuses on the liquidation value of the assets themselves. Liquidity plays a major role in how much a lender is willing to advance: assets that can be quickly converted to cash receive higher advance rates.