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Funding options

Six ways to
fund a business

From $5,000 to $1,000,000, with terms from 3 months to 3 years and daily or weekly payments. The application doesn't ask you to pick one: tell us the amount and the review shows which options fit.

  1. 01 Merchant cash advance
  2. 02 Same day business loans
  3. 03 Debt consolidation
  4. 04 Short term business loans
  5. 05 Working capital
  6. 06 Payroll funding
Six rows of monthly blocks for terms of 3 months, 6 months, 1 year, 18 months, 2 years and 3 years, the last month of each lit
Fig. Terms from 3 months to 3 years, one block per month

01 / 06 · Fig. 15% of each day

Merchant cash
advance

Short-term capital you pay back from your revenue. You sell part of your future sales for cash now, and a share of each day's sales goes to the funder until the agreed amount is paid.

Best for
Businesses with steady card sales and uneven weeks
Paid back
A share of your sales, so a slow day sends less
Good to know
It's a sale of future sales, not a loan. It is usually faster than a bank and usually costs more: compare the total payback amount.
See how the payback works
Two weeks of daily card sales; the top 15% of each day lifts off as the payment

02 / 06 · Fig. One working day

Same day
business loans

For urgent cash needs. Once you're approved and your documents are complete, eligible businesses can be funded as soon as the day they apply.

Best for
A repair, an order or a bill that can't wait
Speed
Same day review when the application and documents come in early
Tip
Apply early in the day and have your documents ready
One working day: application in the morning, decision, funds sent the same day

03 / 06 · Fig. Three into one

Debt
consolidation

Consolidate one or more existing business funding positions. One new advance pays off the others, so you keep track of one payment instead of several.

Best for
Owners carrying two or more advances or loans
Result
One payment, one schedule
Bring
The terms of what you owe now, so the review can compare
Three existing payment streams replaced by one advance and one payment

04 / 06 · Fig. 26 weekly payments

Short term
business loans

Capital for near-term projects, payroll and purchasing, paid back over months rather than years.

Best for
A project with a clear end, a stock purchase, a payroll gap
Terms
From 3 months
Payments
Daily or weekly options
A near-term need funded now, then six months of weekly payments

05 / 06 · Fig. A month of cash

Working
capital

Money for everyday operations. A business can be profitable on paper and still run short of cash while it waits to be paid; working capital covers that gap.

Best for
Rent, suppliers, a slow season
Amounts
$5,000 to $1,000,000
Review
Revenue, time in business and cash flow
A month of cash in the account; working capital fills the gap between rent, suppliers and customer payments

06 / 06 · Fig. Payroll every 2 weeks

Payroll
funding

Cover payroll on time. A common case: a service company hires ahead of a new contract and needs to pay the team before the contract pays it.

Best for
Growing teams and uneven receivables
Speed
As fast as same day, once approved
Payments
Daily or weekly options
Payroll every two weeks covered until the contract pays in week 10

Not sure which fits?

Apply once with the amount you need. The review looks at your revenue and cash flow and explains the options that fit.

Start application