Compare SBA loans, merchant cash advances, equipment financing, commercial mortgages, and lines of credit. Find the right funding for your business with transparent terms and no hidden fees.
We break down every major business loan type so you can compare costs, terms, and eligibility without confusion.
SBA loans are partially guaranteed by the Small Business Administration. They offer low interest rates and long repayment periods. Use them for working capital, equipment, or real estate. You need good credit and a solid business plan to qualify.
An MCA gives you a lump sum in exchange for a share of your future credit card sales. Approval is quick and credit score matters less. Repayment adjusts with your daily sales. This works well for retail stores and restaurants.
Use equipment financing to purchase vehicles, computers, or industrial machines. The equipment itself serves as collateral. Terms often match the useful life of the asset. You keep your working capital for other needs.
A commercial mortgage helps you buy an office, warehouse, or retail space. Loans range from 5 to 25 years. Rates can be fixed or variable. You may also refinance an existing property to get cash out.
A business line of credit lets you draw money as needed, up to a set limit. You pay interest only on what you use. Use it for inventory, payroll, or unexpected expenses. It renews like a credit card but with lower rates.
Short term loans are repaid within 3 to 18 months. They have higher rates but faster approval. Use them for emergency repairs, stock purchases, or bridging a cash flow gap.
Sell your outstanding invoices to a factoring company at a small discount. You get cash within days instead of waiting 30 to 90 days. Factoring is based on your customers credit, not yours.
Some lenders offer loans to new businesses with no revenue history. You may need a personal guarantee or collateral. Look for lenders that consider your business plan and industry experience.
Buying a franchise? Many lenders have dedicated programs. They understand franchise fees, royalty structures, and approved vendor lists. You may get lower rates than a general business loan.
Microloans go up to 50,000 dollars. Nonprofit lenders often provide them along with business training. Use them for startup costs, supplies, or minor equipment. They are good for sole proprietors.
A business credit card works like a consumer card but with higher limits and rewards. Use it for office supplies, travel, and online ads. Many cards offer 0 percent intro APR. Just watch out for annual fees.
Look at the annual percentage rate (APR), not just the interest rate. Check fees like origination, prepayment, and late charges. Read the repayment schedule carefully. Compare the total cost of borrowing across multiple lenders.
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