A lender provides a lump sum in exchange? for a percentage of future credit card sales. These have high fees and fast repayment schedules.

Best for: Businesses with consistent credit card sales needing quick cash.

Short-term financing to cover daily operational expenses, such as payroll, rent, and inventory.

Best for: Seasonal businesses or those experiencing temporary cash flow issues.

A traditional lump-sum loan repaid over a fixed period with interest. These are ideal for businesses needing large, one-time investments in equipment, expansion, or working capital.

• Short-term loans (3-18 months)
• Medium-term loans (1-5 years)
• Long-term loans (5-30 years)

Best for: Expanding businesses, purchasing assets, or refinancing debt.

A flexible form of funding that allows businesses to borrow up to a set limit and pay interest only on the amount used. Can be secured (with collateral) or unsecured.

Best for: Managing cash flow, covering unexpected expenses, or short-term working capital.

A loan specifically used to purchase business equipment, such as machinery, vehicles, or technology. The equipment itself often serves as collateral.

Best for: Businesses needing expensive equipment without paying upfront.

Lenders provide cash advances based on unpaid invoices, allowing businesses to receive funds before customers pay.

Best for: Companies with long invoice cycles that need quicker access to working capital.

Used for purchasing, renovating, or refinancing commercial properties. These can be traditional mortgages or SBA 504 loans.

Best for: Businesses needing office space, warehouses, or retail locations.

Financing specifically for purchasing and operating a franchise business. These loans cover franchise fees, startup costs, and equipment.

Best for: Entrepreneurs buying into established franchise brands.

Raising money through platforms like Kickstarter, Indiegogo, or GoFundMe, where investors or customers fund business projects.

Best for: Startups with innovative ideas or products.

A revolving credit line used for small business expenses. Some offer cashback or rewards? programs.

Best for: Small, frequent purchases or building business credit.

Small loans (typically under $50,000) offered by the SBA, nonprofit lenders, or community organizations.

Best for: Startups and small businesses that need modest financing.

Government-backed loans designed to help small businesses access capital with lower interest rates and longer repayment terms.

• SBA 7(a) Loan – For general business needs, up to $5 million.
• SBA 504 Loan – For purchasing real estate or equipment.
• SBA Microloan – Small loans up to $50,000 for startups or small businesses.
• SBA Disaster Loans – For businesses affected by natural disasters.

Best for: Small businesses that qualify for government-backed, low-interest financing.