6 products
Long amortization and low rates for property purchases or refinances. Underwriting weighs the property and DSCR as much as your business profile.
- Range
- $100K – $10M
- Term
- 5–30 years
- Speed
- A few weeks
- Rate
- 6.0%–12.0%
Government backing keeps rates low and terms long. The trade-off is heavier paperwork and a longer close — typically 4–8 weeks. Best when you have time and a clean credit profile.
- Range
- $50K – $5M
- Term
- 5–25 years
- Speed
- A few weeks
- Rate
- 6.5%–11.5%
The middle ground between SBA and MCA. Faster than SBA, cheaper than MCA. Best when you have a clear use of funds and want fixed monthly payments you can model.
- Range
- $25K – $2M
- Term
- 1–7 years
- Speed
- Within a week
- Rate
- 8.0%–25.0%
The equipment itself is collateral, so approval is faster and FICO requirements are softer than a term loan. Up to 100% financing means no big up-front check.
- Range
- $10K – $1M
- Term
- 2–7 years
- Speed
- Within a week
- Rate
- 7.0%–20.0%
If you need capital this week and you have steady credit-card or ACH receipts, this is the fastest path. The cost is higher (factor rates, not APR), but credit isn't a hard gate.
- Range
- $5K – $500K
- Term
- 3–18 months
- Speed
- As fast as 24 hours
- Factor
- 1.35–1.50
Best for businesses with lumpy cash flow. You're only paying for what you draw, and the line replenishes as you pay it down. The cheapest insurance against a slow month.
- Range
- $10K – $500K
- Term
- Revolving
- Speed
- Within a week
- Rate
- 8.0%–30.0%
Lender Partners — Line of Credit
Real offers from our lending partners. See which ones match your profile.
Credibly
Line of Credit- Min FICO
- 650+
- Min Monthly Revenue
- $70,000
- Time in Business
- 12 months
Idea
Line of Credit- Min FICO
- 650+
- Min Monthly Revenue
- $100,000
- Time in Business
- 36 months
Kalamata Capital
Line of Credit- Min FICO
- 600+
- Min Monthly Revenue
- $50,000
- Time in Business
- 12 months