Funding Options
Pick the right funding path in under 5 minutes — without guessing.
Start here: choose by situation
Compare options at a glance
| Option | Best For | Watch Out For | Typical Speed |
|---|---|---|---|
| Merchant Cash Advance (MCA) | Urgent funding and variable revenue | Higher total payback if misused | 1–3 days |
| Term Loan | Planned projects with steady cash flow | Slower underwriting and docs | 2–6 weeks |
| Business Line of Credit | Recurring short-term gaps | Can become expensive if always drawn | 3–10 days |
| Equipment Financing | Asset purchases with clear ROI | Asset-specific constraints | 1–3 weeks |
Quick self-check before you choose
- Did you model repayment in a -20% revenue month?
- Is your use of proceeds specific (not just “general working capital”)?
- Will this funding improve your next cash cycle — not just this week?
- Do you have a stop-loss trigger if results miss plan?