Working capital
Covering operating costs when money comes in after the bills.
FOR BUSINESS OWNERS
Understand your financing options. Choose your next step.
Name the need, the amount, and the timing. You do not have to pick a product.
Compare small business loans and other business funding, then apply only if you want a review.
WHAT THE FUNDS ARE FOR
Everyday businesses. Everyday business needs.
Six needs, each with its own page. Starting the application keeps that purpose, and any amount or timing you already chose.
Inventory
Buying stock, filling shelves, or paying for goods as they arrive.
Payroll
Covering wages for the people who work in the business.
Equipment
Paying for machinery or tools the business will use.
Expansion
Opening another spot, renovating the storefront, or adding workspace.
Marketing
Paying for a promotion, a campaign, or advertising at the storefront.
Seven financing types
Explore all topicsBusiness line of credit
Draw funds more than once, up to a limit.
Read this typeTerm loan
One amount, repaid on a set schedule.
Read this typeBank loan
A loan from a bank’s own credit policy.
Read this typeSBA-guaranteed loan
A lender loan with a possible SBA guarantee.
Read this typeEquipment financing
Finance a machine, vehicle, or other asset.
Read this typeInvoice financing
Borrow against invoices customers have not paid.
Read this typeMerchant cash advance
Funds for a slice of future receivables.
Read this typeHOW IT WORKS
Three steps. No account required.
- 1
Name the need
Say what the funds are for. Add an amount and a timing if you already know them.
- 2
Read the option
Each financing page says what the type is and what is commonly asked for.
- 3
Start the application
The form keeps that choice. Applying has no impact to your credit.