Merchant Cash Advance
$5,000 – $1,000,000
Advance against your monthly card and bank deposits.
- 3+ months in business
- $5,000+ monthly revenue
- 500+ credit score
Funding options
Eight ways businesses get funded
Our lending partners offer different products with different requirements. You do not need to work out which one suits you. Answer a few questions and we will match your business against what each of them asks for.
Read first
How each type of funding works
Plain explanations of the four most common routes, including what they cost you and when a different one is the better choice.
Equipment Financing
The equipment you buy acts as the collateral.
Read moreBusiness Line of Credit
A revolving credit line you draw from, repay, and reuse.
Read moreSyndicated Line of Credit
Built on your personal credit rather than business history.
Read moreMerchant Cash Advance
Advance against your monthly card and bank deposits.
Read more
The catalogue
What each program requires
Ranges are typical and set by the lender. The requirements listed are the floor each program starts at.
Business Line of Credit
$10,000 – $750,000
A revolving credit line you draw from, repay, and reuse.
- 1+ month in business
- $17,000+ monthly revenue
- 551+ credit score
Syndicated Line of Credit
$5,000 – $250,000
Built on your personal credit rather than business history.
- No business history required
- 680+ personal credit score
SBA Loan
$50,000 – $5,000,000
Government-backed, with the longest terms and the strictest requirements.
- 2+ years in business
- 680+ credit score
- $100,000+ annual revenue
Term Loan
$25,000 – $2,000,000
A lump sum with fixed monthly payments.
- 1+ year in business
- 640+ credit score
- $100,000+ annual revenue
Equipment Financing
$10,000 – $5,000,000
The equipment you buy acts as the collateral.
- 1+ year in business
- 550+ credit score
- Equipment quote or invoice
Invoice Factoring
80–95% of invoice value
Turns unpaid invoices from other businesses into cash now.
- Business-to-business invoices required
Real Estate Financing
$75,000 – $10,000,000+
For investment property, residential or commercial.
- 600+ credit score
- Investment property
- Residential or commercial
US Loan Portal is not a lender and does not make credit decisions. We provide information and introduce business owners to third-party lending partners. All funding is subject to lender approval, and amounts, rates, and terms are set by the lender. Ranges shown are typical and not an offer of credit.
Choosing
What actually decides which one fits
How fast you need it
Programs differ more on paperwork than on speed. A merchant cash advance asks for little and moves quickly; an SBA loan asks for a lot and does not.
What the money is for
Buying a truck or a machine points to equipment financing, where the asset itself is the collateral. Covering payroll or stock points to working capital.
What your business looks like on paper
Time in business, monthly deposits, and personal credit decide most of it. Every program below lists the floor it starts at.
Find out in two minutes
A few questions, no documents, and nothing happens to your credit score.
Checking won’t affect your credit score.