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Every Way to Funda Small Business. One Application.

Eight core products, a dozen specialty programs, and 75+ lenders behind them. Pick the product that fits the job, or let us match you.

All Financing Types

Start with the eight products most owners use. Flip through the specialty stack for industry and stage-specific programs.

Term Loan
Fast decision

Term Loan

A lump sum with a fixed repayment schedule, sized from $5K to $5M for expansions, build-outs, and big purchases.

Business Line of Credit
Fast decision

Business Line of Credit

A revolving limit you can draw on whenever cash gets tight, paying interest only on what you use.

SBA 7(a) Loan
Fast decision

SBA 7(a) Loan

Government-backed financing with long terms and competitive rates for established businesses that can plan ahead.

Equipment Financing
Fast decision

Equipment Financing

Buy or lease vehicles, machinery, and technology with financing secured by the equipment itself.

Invoice Financing
Fast decision

Invoice Financing

Advance cash against unpaid invoices so slow-paying customers don’t stall your growth.

Merchant Cash Advance
Fast decision

Merchant Cash Advance

An advance repaid as a percentage of daily card sales, with approvals based on revenue rather than collateral.

Commercial Real Estate Loan
Fast decision

Commercial Real Estate Loan

Long-term financing to buy, build, or refinance the property your business operates from.

Business Credit Card
Fast decision

Business Credit Card

Everyday spending power that builds your business credit profile and keeps expenses separate from personal accounts.

See all financing types

Funding Designed Around Your Business’s Journey

From your first invoice to your next expansion, we’ve built funding packages for every phase.

Just Starting

Working capital for your first hires and first customers

Products included in this package:

Growing

Capital to add locations, inventory, and people

Products included in this package:

Established

Bigger limits for property, acquisitions, and scale

Products included in this package:

Custom Package

Know exactly what you need?

Pick the products that fit your business best

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Click anyProductto see how it works

Loan Types in Detail

What each product is for, how much you can get, and how fast it funds. Figures are typical ranges across our network, not an offer.

Term Loan

A lump sum repaid on a fixed schedule. The workhorse for one-time investments with a clear price tag: a build-out, a large order, an acquisition.

AMOUNT
$5K – $5M
TERM
6 – 60 months
SPEED TO FUND
1 – 3 days
BEST FOR
One-time projects with a known cost
Fixed APR from 7.99%

Business Line of Credit

A revolving limit you draw on when cash gets tight and pay interest only on what you use. Repay and the room comes back.

AMOUNT
$10K – $500K
TERM
6 – 24 month revolving
SPEED TO FUND
Same day – 2 days
BEST FOR
Smoothing seasonal cash flow and payroll
Variable APR from 9.5%

SBA 7(a) Loan

Government-backed financing with the longest terms and lowest rates in the network. Worth the extra paperwork if you can plan a few weeks ahead.

AMOUNT
$50K – $5M
TERM
Up to 10 years (25 for real estate)
SPEED TO FUND
3 – 8 weeks
BEST FOR
Established businesses with two or more years of returns
Prime + 2.25% – 4.75%

Equipment Financing

Buy or lease trucks, machines, ovens or servers with a loan secured by the equipment itself. Approvals lean on the asset, not just your credit.

AMOUNT
$10K – $2M
TERM
2 – 7 years
SPEED TO FUND
2 – 5 days
BEST FOR
Owners replacing or adding revenue-producing assets
Fixed APR from 6.5%

Invoice Financing

Advance up to 90% of an unpaid invoice today and receive the rest, less a fee, when your customer pays. Turns net-60 into net-now.

AMOUNT
Up to 90% of invoice value
TERM
30 – 120 days
SPEED TO FUND
1 – 2 days
BEST FOR
B2B companies with slow-paying customers
1% – 3% per 30 days

Merchant Cash Advance

An advance on future card sales repaid as a small percentage of each day’s receipts. Fast and flexible, but read the factor rate as an APR before you accept.

AMOUNT
$5K – $500K
TERM
3 – 18 months
SPEED TO FUND
Same day – 1 day
BEST FOR
Card-heavy businesses that need money this week
Factor rate 1.1 – 1.5

Commercial Real Estate Loan

Long-term financing to buy, build or refinance the property your business runs from. Stop renting the building you already fill.

AMOUNT
$250K – $10M
TERM
5 – 25 years
SPEED TO FUND
30 – 60 days
BEST FOR
Owner-occupied purchases and refinances
Fixed or variable from 6.75%

Business Credit Card

Everyday spending power with rewards, statement-level bookkeeping and a business credit file that grows with every on-time payment.

AMOUNT
$2K – $100K limit
TERM
Revolving
SPEED TO FUND
Instant decision
BEST FOR
Separating expenses and building business credit
0% intro to 24.99% APR

Working Capital Loan

Short-term money for payroll, inventory and the dips between big customer payments. Smaller amounts, shorter terms, quick decisions.

AMOUNT
$5K – $250K
TERM
3 – 18 months
SPEED TO FUND
Same day – 2 days
BEST FOR
Bridging a known gap without touching your credit line
Fixed APR from 10.9%

Franchise Financing

Capital to open or expand a franchise location, from lenders who already know the brand’s unit economics and approved vendor list.

AMOUNT
$50K – $2M
TERM
2 – 10 years
SPEED TO FUND
1 – 4 weeks
BEST FOR
New franchisees and multi-unit operators
Fixed APR from 7.5%

Compare the Core Eight

Amount, term, time to fund and who each product fits. Scroll sideways on smaller screens.

ProductAmountTermSpeed to fundBest for
Term Loan$5K – $5M6 – 60 months1 – 3 daysOne-time projects with a known cost
Business Line of Credit$10K – $500K6 – 24 month revolvingSame day – 2 daysSmoothing seasonal cash flow and payroll
SBA 7(a) Loan$50K – $5MUp to 10 years (25 for real estate)3 – 8 weeksEstablished businesses with two or more years of returns
Equipment Financing$10K – $2M2 – 7 years2 – 5 daysOwners replacing or adding revenue-producing assets
Invoice FinancingUp to 90% of invoice value30 – 120 days1 – 2 daysB2B companies with slow-paying customers
Merchant Cash Advance$5K – $500K3 – 18 monthsSame day – 1 dayCard-heavy businesses that need money this week
Commercial Real Estate Loan$250K – $10M5 – 25 years30 – 60 daysOwner-occupied purchases and refinances
Business Credit Card$2K – $100K limitRevolvingInstant decisionSeparating expenses and building business credit

Ranges reflect typical offers across the FundLine lender network and are not a guarantee. Your offer depends on time in business, revenue, credit profile and the lender you select.

FAQ

You don’t have to decide up front. One FundLine application is matched against every product in the network, and offers come back labelled by type so you can compare a term loan next to a line of credit. If you already know, use the comparison table to confirm the fit.
Yes, and many owners do. A common pairing is a term loan for a one-time project plus a line of credit for day-to-day swings. Lenders will look at total debt service, so we help you size the combination so payments stay comfortable.
Requirements vary by product. As a rule of thumb: six months in business and $8K in monthly revenue opens the door to working capital and advances; twelve months and $10K a month unlocks most term loans and lines; two years of tax returns is the bar for SBA and real estate programs.
No. They are typical ranges across the lenders we work with. Your actual rate is set by the lender and shown in the disclosure before you accept anything. Every offer shows an APR so you can compare on the same basis, even where a lender quotes a factor rate.
Submitting the FundLine application does not affect your personal credit score. Some lenders run a hard inquiry only when you accept an offer, and they tell you before it happens.
You are never obligated to accept. A funding specialist can walk through why offers came back the way they did and what would change them, usually more time in business or stronger deposits. Book a call any day of the week.

Can’t find an answer to your question? Get in touch