Capital, understood
Know what capital you can get, why, and what it will really cost.
Capital Selector reads your business, shows the options you qualify for and the factors behind each one, and helps you match the right structure to your situation, whether that is fast working capital for a time-sensitive move or longer-term financing for a bigger plan. Ready for more? We can introduce you to private credit.
No credit impact to explore. A soft check runs only when you ask to see real offers.
Example readiness
CS-2026The factors
Lenders weigh the same seven things. We show you where each one puts you.
Monthly revenue
18%How much you bring in, and how steadily.
Owner credit
18%The personal credit behind the business.
Time in business
15%Longer operating history opens better terms.
Documentation
15%Clean statements and returns, ready to read.
Cash-flow consistency
14%Steady deposits, few overdrafts or NSFs.
Debt load
12%What you already carry against what you earn.
Industry
8%How lenders price your line of work.
The tradeoff
Fast money and cheap money are rarely the same money.
An advance can fund in days, but its factor rate and daily remittance pull hard on cash flow. A term loan or a line usually costs far less and fits a longer horizon, and it asks for more up front.
The right call depends on what the capital is for and what you need your business to look like in a year. We make that comparison plain, in dollars and in weeks, before you commit to anything.
How the structures compare →Options
The structure follows your business, not a quota.
Line of credit
Revolving capital you draw on as needed and pay interest only on what you use. Best for uneven cash cycles.
Term loan
A fixed amount up front, repaid on a set schedule. Best for a one-time investment where you know the cost.
SBA loans
Loans partially guaranteed by the U.S. Small Business Administration. Longer terms and lower cost for businesses that qualify.
Equipment financing
Financing secured by the equipment itself, with the term matched to the asset's useful life. Preserves your cash.
Working capital / advance
A merchant cash advance: capital now against future sales, priced at a factor rate and repaid as a share of revenue. Fast, and costlier than a loan.
AR financing
Advance cash against invoices you have already issued, instead of waiting on net terms. Sized to your receivables, not your credit.
Franchise financing
Capital for franchise fees, build-out, equipment, and early working capital, for single-unit and multi-unit operators.
Startup funding
Capital for businesses in their first couple of years, before they fit a traditional credit file. Debt options, not equity.
Private credit
Stronger than the typical applicant? You should not be handled like one.
Some businesses that come here have grown past advances and short-term lines. If your revenue, margins, and history put you at the top of the small-business range, we can introduce you to private credit firms rather than route you through products built for someone smaller.
See if you qualify for moreHow it works
Clear about your credit, and about what happens next.
Tell us about your business
A short conversation about revenue, time in business, and what the capital is for. This part never touches your credit.
See your options and the reasoning
We show what you qualify for and the factors behind it. A soft check may run when you ask to see real offers. It does not affect your score.
Choose, on your terms
Lenders present offers and will reach out. You go in knowing what fits and what a fair deal looks like. A full credit review happens only if you move forward, and only with your permission.
Start with where you stand.
Two minutes, no credit impact, and you will actually understand your options.