Find the right business loan without applying to ten lenders.
One short request, reviewed through our funding marketplace partner, for term loans, lines of credit, SBA, equipment financing and more. Free to you; we may be paid if a deal funds.
Step 1 of 3 · about 60 seconds
- Requesting options doesn’t by itself affect your credit
- One marketplace partner, never a bidding pool
- Not a lender, and free to you
Every major business funding path.
Each one fits a different kind of need. The typical ranges below help you see which paths are worth a closer look.
SBA 7(a) loan
Established, profitable businesses that can wait for the lowest cost
- Typical amount
- $50K–$5M
- Typical cost
- Prime + 3–6%
Term loan
A one-time investment you repay on a set schedule
- Typical amount
- $25K–$500K
- Typical cost
- 8–30% APR
Line of credit
Recurring cash-flow gaps, seasonality and surprises
- Typical amount
- $10K–$250K
- Typical cost
- 10–50% APR
Equipment financing
Buying a specific vehicle, machine or piece of equipment
- Typical amount
- Up to 100% of cost
- Typical cost
- 6–25% APR
Invoice factoring
B2B businesses waiting on unpaid customer invoices
- Typical amount
- Up to 90% of AR
- Typical cost
- 1–5% / month
Merchant cash advance
Strong card sales, and speed matters more than price
- Typical amount
- $10K–$500K
- Typical cost
- 1.1–1.5 factor
Figures are industry averages, not offers. Rates and amounts vary by provider, credit profile and business performance. Last verified October 2026. Compare all six side by side →
How it works
Three stops between you and a clear picture of your options.
- 1
You fill the form
About 60 seconds: amount, revenue, a few business details and how to reach you.
- 2
Our partner reviews your profile
1West, our funding marketplace partner, looks for options you may qualify for. Products and terms depend on underwriting.
- 3
You decide
A specialist walks you through any options, answers your questions and helps you decide. No pressure, and you can say no.
Built for the businesses that keep Main Street open.
Financing by industry
Straight answers about how this works.
Not a lender
We don’t make credit decisions or fund loans. We explain your options and connect you with a partner who works with funding providers.
How we’re paid
You never pay us. If a deal funds, our funding marketplace partner, 1West, may compensate us. How we make money
Where your info goes
Only to 1West, and only when you submit a request. It isn’t sold or sent to a pool of brokers. Privacy policy
What we publish
12 free guide chapters, 59 in-depth articles and 4 free tools, written to our editorial standards.
Learn before you borrow.
A free 12-chapter guide to every business funding option. Read it in order, or jump to what matters.
- 1 Business Financing 101 Every funding option explained
- 2 Merchant Cash Advances How they really work
- 3 SBA Loans Government-backed lending
- 4 Business Lines of Credit Flexible cash-flow funding
- 5 Invoice Factoring Turn unpaid invoices into cash
- 6 Equipment Financing Fund purchases smart
- 7 Alternative Lending Fintech beyond banks
- 8 Startup Funding Capital for new businesses
- 9 Approval Odds Get funded faster
- 10 Funding Strategy Your 12-month plan
The questions every owner asks.
Is it really free?
Yes. You never pay us. If you request options and a deal funds, our funding marketplace partner, 1West, may pay us a commission. That's how we keep the guides and tools free.
Will checking my options hurt my credit?
Submitting a request doesn’t by itself affect your credit score. If a provider needs to review your credit, it will typically ask your permission first, and a hard inquiry usually happens only if you move forward with a formal application.
How fast can I actually get funded?
It depends on the product and the provider. Some providers may fund within days for products like a line of credit or merchant cash advance; SBA loans usually take weeks. Your documents and the provider's review set the real timeline.
What if my credit isn’t great?
You may still have options. Some providers weigh revenue and time in business more heavily than personal credit. Our guide to bad-credit business loans explains which products are typically more accessible, and what they cost.
Will I get blown up by a dozen lenders?
No. Your request goes to one funding marketplace partner, 1West, not an open pool of brokers, and a specialist follows up with you directly.
Do I have to take an offer?
Never. The match and the consultation are free and no-obligation. If nothing fits, you walk away — no cost, no pressure.
Ready to see your options?
A 60-second request. Requesting options doesn’t by itself affect your credit, and a specialist follows up with what you may qualify for.
Get matched