Six ways to structure capital, each built for a different shape of need. Not sure which fits? The calculator will estimate a payment for any of the amortizing programs below, and our team will confirm the right fit during review.
A lump sum of capital repaid on a fixed schedule — the standard option when you know exactly what you're financing and want a predictable payment.
A defined, one-time cost — expansion, a buildout, an acquisition, refinancing existing debt.
Capital you'll need to draw repeatedly over time — a line of credit is usually the better tool.
Revolving credit you draw against as needed. You only pay interest on what you actually use, and available credit replenishes as you repay.
Recurring or unpredictable expenses — inventory restocks, payroll bridges, seasonal swings.
One large, defined purchase — a term loan is usually the cheaper structure for that.
The equipment itself secures the loan, which often means better pricing than an unsecured product — and financing can often pay the seller directly.
Vehicles, machinery, medical or restaurant equipment, technology — anything with resale value.
What you're buying won't hold value as collateral — a term loan or working capital may fit better.
Short-term funding sized to near-term cash flow — built for speed, not for financing a multi-year asset.
Near-term needs — payroll, a marketing push, bridging receivables, unexpected repairs.
A multi-year asset — the shorter term usually means a higher effective cost for that.
For investments that call for a longer runway — real estate, a large equipment purchase, or acquiring a business — arranged through introductions to SBA-participating partners.
Major investments where a longer term and lower payment matter more than speed.
You need funds in days — SBA processing takes longer than our other programs.