- Home
- Financing
Five instruments, one question: what is the money for?
Three products built for expansion and two for the cash flow around it. Compare the typical ranges below, read each product in detail, or apply once and our underwriting team will recommend the fit.
The instruments at a glance
Typical ranges and timing. Exact figures are stated in your written offer.
| Instrument | Amounts | Terms | Speed | Cost basis |
|---|---|---|---|---|
| Term loan | $50K – $2M | 12–60 months | Usually 2–5 business days* | APR quoted in your written offer* |
| Equipment financing | $25K – $2M | 24–72 months | Usually 2–7 business days* | APR or lease rate factor |
| SBA loan | Up to $5M | Up to 10 years (25 with real estate) | Typically 30–90 days | Prime + SBA-capped spread |
| Working capital | $25K – $2M | Up to 36 months | As fast as 2 hours after application* | Factor rate · total payback shown up front |
| Business line of credit | $25K – $1M | 12–24 month draw periods | As fast as 1–2 business days* | APR quoted in your written offer* |
*Working capital, after approval and a signed agreement. Timing depends on your bank and is not guaranteed. Other products: after approval and signing; typical ranges, not guarantees. Lines of credit and term loans are priced as an APR based on your application and shown in your written offer before you accept.
Read each instrument in detail
One amount up front and the same payment every month, for expansion that pays back over one to five years.
- Amounts
- $50K – $2M
- Terms
- 12–60 months
- Cost basis
- APR quoted in your written offer*
Finance the machinery your expansion depends on (non-titled equipment only); the equipment itself secures the loan.
- Amounts
- $25K – $2M
- Terms
- 24–72 months
- Cost basis
- APR or lease rate factor
Government-backed loans with long terms and a lower monthly payment, in exchange for more paperwork and time.
- Amounts
- Up to $5M
- Terms
- Up to 10 years (25 with real estate)
- Cost basis
- Prime + SBA-capped spread
A lump sum for short-term needs around an expansion, repaid from your daily or weekly sales.
- Amounts
- $25K – $2M
- Terms
- Up to 36 months
- Cost basis
- Factor rate · total payback shown up front
A credit limit you draw from as costs land, paying interest only on what you use.
- Amounts
- $25K – $1M
- Terms
- 12–24 month draw periods
- Cost basis
- APR quoted in your written offer*
Match the instrument to the plan
A rule worth keeping: borrow for about as long as the thing you're buying keeps paying you back.
| If the plan is to… | Usually the best fit |
|---|---|
| Open or fit out a second location | Term loan |
| Buy a machine that takes on more work | Equipment financing |
| Buy your building or a larger premises | SBA loan |
| Launch a new product or service line | Term loan |
| Opening stock for the new location | Working capital |
| Contractor invoices that arrive unevenly | Business line of credit |
Ready to put numbers on the plan?
Seven questions, about seven short questions, and a written offer from our underwriting team if you qualify. Prefer to talk it through first? Call us.