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What is a Small Business Loan?
A small business loan is any funding option specifically designed for a small business. Small business loans allow existing or newly established companies to borrow money from lenders. Loan types exist to help entrepreneurs meet different goals. The way each loan works depends on the type of loan.
Which Loan Fits Your Business?
Term Loan
Accounts Receivable Financing
Equipment Financing
A traditional loan structure where you receive a lump sum of funding upfront and repay it over time with interest. Ideal for larger, planned expenses.
Equipment Financing
Accounts Receivable Financing
Equipment Financing
Perfect for growing businesses looking to invest in new equipment. You get the equipment right away and pay for it gradually over its useful life.
Accounts Receivable Financing
Accounts Receivable Financing
Leverage your outstanding invoices to access working capital. The unpaid invoices serve as collateral, often resulting in lower interest rates compared to unsecured options.
Merchant Cash Advance
Access funding based on your future credit card sales. Repayment is automatic and flexible—taken as a small percentage of your daily card transactions, so there are no fixed monthly payments to worry about.
Business Line of Credit
A flexible financing option that functions like a credit card—minus the plastic. Draw funds as needed and pay interest only on what you use, giving you control over your cash flow.
SBA Loans
Government-backed loans are designed to support small businesses with favorable terms and lower interest rates. SBA loans are ideal for long-term financing needs such as working capital, equipment purchases, or business expansion. While they require more documentation and approval time, they offer some of the most competitive rates available.