Planned investment
Small Business Loan
Up to$1,000,000
Capital for your next investment.
- Capital in one lump sum
- Terms from 3 to 60 months
- Fixed daily or weekly payments
- Eligible products may fund in 24 hours after approval
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Business financingCapital for what
Capital for what
comes next.
Business loans and working capital for your next investment, opportunity, or everyday need.
Quick Funding
Eligible products may fund as fast as 24 hours after approval.
$3 Billion+
Funded by Rapid Finance across a wide range of industries.
Flexible Payments
Automatic payment options based on your financing product.
Business financing through Betterpay
Explore business loans, lines of credit, and working capital through our financing partner. Tell us what your business needs, review available options, and decide whether an offer works for you.
Explore your optionsFinancing built around
Financing built around
your business.
Compare funding amounts, terms, and payment options to find the right fit for your business.
5 financing options
Sales-based funding
Merchant Cash Advance
Up to$500,000
Funding that moves with sales.
- Advance on future receivables
- Payments based on receivables
- No fixed repayment term
- Eligible products may fund in 24 hours after approval
Flexible access
Line of Credit
Credit limit$5,001 to $250,000
Capital ready when you need it.
- Terms up to 18 months
- Draw on available capital as needed
- Fixed daily, weekly, or monthly payments
Bridge the gap
Bridge Loan
Funding range$5,001 to $1,000,000
Support your next transition.
- Terms up to 60 months
- Automatic payments
- Interim funding for business needs
Long-term plans
SBA Loan
Funding range$500 to $5,500,000
Invest in lasting growth.
- Terms vary by SBA program
- Monthly payments
- Partially government backed
Put your capital to workPut your next move
Put your next move
in motion.
From your next investment to the costs of running your business.
Expand your space
Add more seats, more space, or a new location.
Build inventory
Stock the products your customers come for.
Upgrade equipment
Invest in equipment that expands what you can do.
Grow your team
Bring in the expertise to serve more customers.
Amplify your marketing
Create campaigns that bring your business into focus.
Strengthen cash flow
Cover daily costs and keep orders moving.
From application to funding.
Apply in minutes.
Start your business financing application online. Share your business details, how much funding you need, and your plans—from managing cash flow to investing in your next stage of growth.
Review before you decide.
Explore available financing offers for your business. Review funding amounts, total costs, payment schedules, and terms to see what fits your cash flow and goals—with no obligation to accept.
As fast as 24 hours.
After approval and acceptance, eligible products can fund directly to your business bank account in as fast as 24 hours. Timing depends on the product and completed documentation.
Capital for your next move.
Keep working capital within reach as your business grows. Manage your financing online and request additional funds when you need them, subject to eligibility and approval.
Manage your financing ↗Get a quote
No obligation to accept an offer.
Business financing FAQs
What to know before exploring business financing.
Do I need to choose a financing product before applying?
No. Tell us about your business and what you need funding for. You can review the available financing options and decide which one fits before accepting an offer.
How much business financing can I qualify for?
The amounts shown above give you a starting point. Your available amount depends on the financing product, your business’s financial profile, and approval. Your quote will confirm the amount and terms available to you.
What factors determine whether my business qualifies?
Revenue, time in business, credit history, and business banking information all help build the picture. Requirements vary by product, so there isn’t one answer for every business. Applying does not guarantee approval.
What documents do I need to apply for a small business loan?
Have identification, your business tax ID, bank account details, and three months of business bank statements ready. Depending on the product, you may be asked for additional documents, such as card processing statements.
Can I get business financing with less-than-perfect credit?
Possibly. Credit is one consideration, alongside revenue, operating history, and receivables. A lower score does not automatically rule out every option. Approval and terms depend on the full review.
How quickly can my business receive funds?
Some products may fund as fast as 24 hours after approval, acceptance, and completion of required documents. Other options take longer. You’ll receive the timeline for your specific offer before moving forward.
How are financing costs and payments determined?
Costs depend on the product and offer. Loans and lines of credit may charge interest or fixed fees; merchant cash advances involve the purchase of future receivables and may include fees. Compare the total cost, payment amount, and payment frequency before accepting.
What’s the difference between a business loan and a line of credit?
A business loan provides a lump sum with an agreed payment schedule. A line of credit lets you draw funds as needed within an approved limit, subject to your agreement. A loan can suit a planned investment; a credit line can help with recurring cash-flow needs.
What can I use business financing for?
Business financing can support expansion, equipment, inventory, hiring, marketing, and everyday operating costs. Permitted uses depend on the product, so check that your plans fit the financing you choose.
Does applying mean I have to accept an offer?
No. You can review the available offer and decide whether to proceed. Make sure you understand the amount, payment obligations, and costs before accepting.
Can I request more working capital later?
Yes, eligible clients can request additional financing through their online account as their needs change. Additional funds are subject to review and approval. With a line of credit, you can draw within your available limit under the terms of your agreement.
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