Different funding tools are built for different jobs. Use this page to see how each Fast Finance option fits
by **speed**, **flexibility**, and **best use case**, then click through for full details.
Not sure where to start? Look at what you need the money for and how quickly you need it, then look at the
“Best For” and “Repayment Style” sections below.
Business Line of Credit
Flexible, reusable cash for ongoing needs.
Flexible
Revolving
Short to mid-term
Best For
- Seasonal cash-flow swings
- Inventory top-ups
- Short-term gaps between payables & receivables
Repayment Style
Ongoing: Payments based on what you’ve drawn; limit replenishes as you repay.
Speed & Amount
Often quick approvals once established; limits commonly
$10k–$1M+ (revenue dependent).
Term Business Loan
Lump-sum project funding with a clear payoff date.
Predictable
Fixed schedule
Project-focused
Best For
- Expansion or build-out projects
- Large equipment/technology purchases
- Consolidating higher-cost short-term debt
Repayment Style
Fixed or structured: Regular payments (often monthly) over
2–7+ years.
Speed & Amount
Funding can be fairly quick; amounts commonly
$50k–$5M+, depending on revenue and financials.
SBA-Backed Loans
Longer terms and strong structures for big moves.
Long-term
Government-backed
More paperwork
Best For
- Buying or expanding a business
- Owner-occupied commercial real estate
- Larger equipment & growth capital
Repayment Style
Longer amortization: Often up to 10+ years for working capital/equipment and longer for
real estate.
Speed & Amount
Slower and more documentation-heavy than other options; amounts frequently
$250k–$5M+.
Working Capital / MCA
Fast cash tied to your revenue.
Fastest
Revenue-based
Short-term
Best For
- Urgent short-term gaps
- Inventory, marketing, or quick opportunities
- Businesses with strong, consistent sales
Repayment Style
Frequent payments: Daily/weekly drafts or a share of deposits until a set amount is repaid.
Speed & Amount
Very fast funding once approved; amounts often
$10k–$750k+ based on recent revenue.
Equipment Financing
Asset-backed funding for machinery, vehicles & more.
Asset-based
Fixed payments
Medium term
Best For
- Trucks, machinery, and production equipment
- Restaurant, medical, and tech equipment
- New or used revenue-generating assets
Repayment Style
Fixed payments: Terms often
2–7 years, payments structured around the asset’s useful life.
Speed & Amount
Generally faster than full bank loans; amounts commonly
$25k–$1M+, tied to equipment cost and strength.
AR / Invoice Financing
Turn unpaid invoices into immediate cash.
Cash-flow tool
B2B/B2G invoices
Tied to receivables
Best For
- Staffing, manufacturing, and logistics firms
- Vendors to large corporate or government clients
- Businesses stuck waiting 30–90 days for payment
Repayment Style
Invoice-based: Advance on invoices now; your customer’s payment clears the balance later.
Speed & Amount
Setup in days, then ongoing funding in 24–48 hours; capacity scales with your invoice volume.
Purchase Order Financing
Fund supplier costs for large, confirmed orders.
Transaction-specific
Supplier-paid
Pairs with AR
Best For
- Manufacturers, importers, and distributors
- Big-box or enterprise customer orders
- Large POs that outsize your current cash/credit
Repayment Style
Order-based: Provider pays suppliers; you repay from end-customer invoice proceeds.
Speed & Amount
Focused on specific POs; transaction sizes can range from
$100k to $10M+ with strong customers.
Commercial Real Estate Loans
Long-term financing for income or owner-occupied property.
Real estate
Longer term
Stabilized assets
Best For
- Buying a building for your business
- Acquiring or refinancing investment property
- Cash-out or renovation on stabilized assets
Repayment Style
Amortizing: Multi-year terms (often 5–25 years) with principal and interest payments.
Speed & Amount
More involved underwriting; amounts frequently
$500k–$20M+ depending on property.
Bridge & Fix & Flip Loans
Short-term capital for time-sensitive or value-add deals.
Short-term
Asset & exit focused
Investor-friendly
Best For
- Investors buying and renovating property
- Time-sensitive acquisitions and balloon payoffs
- Value-add projects before long-term financing
Repayment Style
Interest-only / short term: Typically
6–24 months, paid off by sale or refinance.
Speed & Amount
Faster than many bank CRE loans; deal sizes often
$100k–$10M+, depending on asset and experience.
Franchise & Startup Funding
Capital for new concepts, locations, and franchise launches.
Launch & growth
Mixed structures
Profile-based
Best For
- First-time franchise buyers and multi-unit operators
- Pre-revenue or early-stage businesses
- New locations, build-out, and opening costs
Repayment Style
Varies: term loans, SBA-backed options, equipment financing, and startup-focused facilities depending on
your profile.
Speed & Amount
Timelines and amounts vary widely based on brand, experience, and project size.
