Financing options
Six ways to fund a business.
Each product solves a different problem and is priced differently. Here's how they compare at a glance.
| Product | Priced as | Best for |
|---|---|---|
| Term loans | APR | Planned investments: hiring, expansion, a big inventory buy. |
| Lines of credit | APR | Uneven cash flow, seasonal gaps, and expenses you cannot fully predict. |
| Merchant cash advance | Factor rate | Fast working capital with flexible qualification, repaid from your sales. |
| Revenue-based financing | Factor rate | Businesses with steady sales that want payments to flex in slower months. |
| Invoice factoring | Discount fee | B2B companies waiting 30 to 90 days to get paid. |
| Equipment financing | APR | Vehicles, machinery, kitchen equipment, technology. |
Reading an offer
APR, factor rate and discount fee
APR is the yearly cost of borrowing, including interest and most fees. It is the standard way to compare loans.
A factor rate, like 1.30, tells you the total payback: $50,000 × 1.30 = $65,000. The total stays the same whether you repay faster or slower.
A discount fee on factoring is a percentage of the invoice, often charged for each month the invoice stays unpaid.
However a funder quotes it, we lay out the amount, total payback, payment and term so you can compare offers easily.
Fuel for what's next.
One application, multiple funders, and every offer explained in plain numbers. Applying is free, and there are never upfront fees.