Funding options · published ranges

Eight ways to fund, in plain numbers.

Every product’s real range — APR, factor, or fee — with the amount band, funding speed, and qualifying minimums. No number sits behind a form. Open any product for the worked cost, eligibility, and a side-by-side comparison.

Ranges updated May 19, 2026

SBA 7(a)

Government-backed

APR

6.5–11.5%

Amount: $50K–$5M
Funded in: 2–6 weeks
Min credit: 680+

Lowest rate, big projects

Amount: $25K–$500K
Funded in: 1–3 days
Min credit: 640+

Predictable lump sum

Amount: $10K–$250K
Funded in: Same day
Min credit: 625+

Flexible safety net

Amount: $15K–$2M
Funded in: 1–4 days
Min credit: 600+

Buying equipment

View Equipment Financing

Commercial Real Estate

Property-secured

APR

6.9–12.5%

Amount: $100K–$10M
Funded in: 3–8 weeks
Min credit: 660+

Buying property

Amount: $10K–$500K
Funded in: Same day
Min credit: 550+

Flexible fast cash

View Revenue-Based Financing

Merchant Cash Advance

Daily/weekly remit

Factor

1.12–1.45

Amount: $5K–$500K
Funded in: Same–next day
Min credit: 500+

Fastest cash

View Merchant Cash Advance

Amount: $10K–$5M
Funded in: 1–2 days
Min credit: Flexible

Unpaid B2B invoices

View Invoice Factoring

Want the whole board in one table? See the Rate Library →

Payment calculator

See the payment, and the math behind it.

Pick a product, an amount, and a term. The estimate uses the midpoint of each published range — no email, no credit pull.

Product

Amount$100,000

$25,000$500,000

Term36 months

6 mo60 mo

Estimated monthly payment

$3,560

at 16.9% APR · representative midpoint

Amount: $100,000
Total repaid: $128,171
Cost of capital: $28,171

A representative estimate at the midpoint of the published range. Your real rate depends on your file — see it with a soft pull.

See my Term Loan rate

Loan vs. MCA

The same money, in real dollars.

A fixed-rate term loan next to a factor-priced advance, in total cost of capital — the apples-to-apples view a factor rate alone won’t give you.

Amount$50,000

Term12 months

Term loanLower cost here

16.9% APR

Monthly: $4,558
Total repaid: $54,694
Cost of capital: $4,694

Merchant cash advance

1.29 factor

Monthly: $5,375
Total repaid: $64,500
Cost of capital: $14,500

For $50,000 over 12 months, the term loan has the lower cost of capital at these representative midpoints. The right fit also depends on speed, qualifying credit, and how your revenue flows — we put both in front of you with the real numbers.