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Your business isn’t one-size-fits-all, and your financing shouldn’t be either.
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LINE OF CREDIT
A business line of credit provides on-demand access to funds so you can handle expenses as they arise. Instead of receiving a single disbursement, you’re given a set credit limit and can draw from it whenever needed—paying interest only on the portion you use. This type of financing is perfect for balancing cash flow, stocking inventory, making payroll, or covering unplanned costs.
Credit Availability:
Most businesses qualify for limits ranging from $10,000 to $250,000+, depending on revenue, credit profile, and overall financial strength.
Repayment Structure:
Lines of credit operate on a revolving basis, with weekly or monthly payments. As you pay down the balance, the available credit becomes usable again.
Rate Overview:
Current APRs typically fall between 8% and 25%, influenced by credit score, time in business, and financial performance.
Top-tier borrowers (700+ credit score, 2+ years in business): usually receive 8%–12% APR
Mid-tier borrowers (650–699 credit score, 1–2 years in business): often fall in the 12%–18% APR range
Entry-tier borrowers (600–649 credit score, ~1 year in business): may see 18%–25% APR
TERM LOANS
A business term loan provides your company with a single upfront amount that is repaid over a designated schedule. Payments are usually made monthly and include both principal and interest. This type of funding is well-suited for substantial business initiatives such as opening a new location, acquiring equipment, or supporting long-term operational expenses.
Funding Range:
Businesses can generally secure between $25,000 and $2,000,000+, depending on qualifications and financial strength.
Repayment Length:
Most term loans offer 1–5 year repayment periods, though some lenders may extend terms up to 10 years for highly qualified applicants.
Rate Expectations:
Current rates typically fall between 7% and 25% APR, influenced by factors such as credit profile, time in business, revenue stability, and overall financial performance.
Top-tier applicants (700+ credit, 2+ years in business): usually receive 7%–12% APR
Moderate-tier applicants (650–699 credit, 1–2 years in business): often see 12%–18% APR
Entry-tier applicants (600–649 credit, roughly 1 year in business): may be offered 18%–25% APR
SBA LOANS
SBA loans, supported by the U.S. Small Business Administration, are among the most cost-effective financing options available to small businesses. Because the SBA guarantees a portion of the loan, lenders are able to offer extended repayment terms and competitive interest rates that are often lower than standard business loans. These programs work well for business growth, equipment purchases, commercial real estate, or consolidating expensive debt.
Available Funding:
SBA loan amounts typically start around $50,000 and can go as high as $5 million, depending on the specific program and borrower qualifications.
Repayment Terms:
Terms generally range from 5 to 25 years, with shorter durations for working capital needs and longer timelines available for real estate and major asset purchases.
Rate Environment:
SBA loans usually fall between Prime + 2.75% and Prime + 6%, which in the current market equals roughly 10%–14% APR.
Stronger applicants (680+ credit score, 2+ years in business): often secure rates near 10%–11% APR
Moderate applicants (650–679 credit score): typically see 12%–14% APR and may face additional requirements
EQUIPMENT FINANCING
Equipment financing enables businesses to acquire or upgrade essential tools—such as machinery, vehicles, medical equipment, or technology systems—without paying the full cost upfront. Because the equipment itself is used as collateral, this type of funding is generally more accessible than many traditional loan products.
Funding Coverage:
Lenders usually finance 80% to 100% of the equipment’s purchase price, with typical amounts ranging from $10,000 up to $5 million+ depending on the asset.
Repayment Length:
Terms generally run 2 to 7 years and are structured around the projected lifespan of the equipment.
Rate Expectations:
Current APRs for equipment financing commonly fall between 6% and 20%, influenced by credit quality, business history, and the type of equipment being financed.
Stronger borrowers (680+ credit, 2+ years in business): tend to secure 6%–10% APR
Average borrowers (620–679 credit): typically receive 10%–15% APR
Entry-level borrowers (600–619 credit): may be offered 15%–20% APR
MERCHANT CASH ADVANCES
A Merchant Cash Advance (MCA) offers quick access to capital by providing funds upfront in exchange for a portion of your future revenue. Instead of paying a fixed amount each month, repayment is tied to your daily or weekly sales activity—meaning payments rise when business is busy and decrease when sales slow. This structure makes MCAs a practical choice for businesses with uneven cash flow or those needing immediate funding.
Funding Amounts:
Most advances range from $5,000 to over $2,000,000, depending on your company’s revenue and deposit history.
Repayment Structure:
Typical durations fall between 3 and 18 months, with payments automatically drawn from your sales on a daily or weekly basis.
Cost Breakdown:
MCAs don’t use standard interest rates. Instead, they apply a factor rate, often between 1.2 and 1.5.
Example:
A $100,000 advance at a 1.3 factor rate requires a total payback of $130,000.
Because of this pricing model, the effective APR can range from 25% to 50%+, making MCAs costlier than traditional loans or credit lines—but significantly faster and easier to obtain.
CREDIT CARD PROCESSING
Credit card processing enables businesses to accept customer payments seamlessly—whether in person, online, or through mobile checkout. Reliable processing systems help ensure secure transactions, quick funding, and smooth integration with your existing POS or e-commerce platform. Many modern solutions also include built-in fraud monitoring, transaction insights, and real-time reporting to help you manage your business more efficiently.
Easy Setup:
Most businesses can get approved and start processing payments in just a few business days.
Processing Costs:
Transaction fees typically fall between 0% and 1.5% per transaction, depending on factors such as card type, industry risk, and monthly volume.
Funding Timeframes:
Deposits usually hit your bank account within 24–48 hours, with select providers offering same-day payouts.
Extra Features:
Many processors offer tools like chargeback support, mobile payment capabilities, and compatibility with contactless options such as Apple Pay, Google Pay, and tap-to-pay cards.
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