Personal Loans
A lump sum borrowed by an individual and repaid over an agreed term.
- Best for
- Personal expenses or consolidating debt.
- Keep in mind
- Rates, fees, and eligibility depend on your credit and the lender.
FUNDING OPTIONS THAT FIT YOUR NEEDS
Need funding?Start here.
Tell us how much you need. We’ll find you solutions
How much funding do you need?
Illustrative amounts. Availability depends on eligibility and terms.
How it works
A clearer path forward.
01
Tell us your goal.
Answer a few quick questions about your business and what you're looking to do.
02
Explore options.
See a range of funding options that match your goals, with clear details to compare.
03
Choose your next step.
Move forward with the option that fits your plans, at your pace with no pressure.
Solutions
Personal and business funding options.
Personal Credit Cards
Revolving credit for personal purchases, up to an approved limit.
- Best for
- Everyday spending and short-term personal needs.
- Keep in mind
- Carrying a balance can lead to interest charges and higher credit utilization.
Business Loans
Borrowed capital used for business expenses or growth, repaid under lender terms.
- Best for
- Expansion, larger purchases, or business investment.
- Keep in mind
- Revenue, credit history, collateral, or a personal guarantee may be required.
Business Credit Cards
Revolving credit accounts used for business purchases and expenses.
- Best for
- Managing routine business spending.
- Keep in mind
- Interest, fees, and personal guarantees may apply.
Revenue Based Financing
Business funding repaid through a share of revenue, according to the agreement.
- Best for
- Businesses with consistent revenue looking for growth capital.
- Keep in mind
- Repayment structures and total costs vary and can reduce available cash flow.
Equity Based Funding
Capital provided in exchange for an ownership stake in a business.
- Best for
- Businesses seeking investment for longer-term growth.
- Keep in mind
- You give up some ownership and may share control with investors.
Working capital
Short-term funds to cover everyday operating costs.
- Best for
- Payroll, inventory or seasonal gaps.
- Keep in mind
- Shorter terms can mean larger regular payments.
Business line of credit
A revolving amount you can draw from and repay as needed.
- Best for
- Ongoing or unpredictable expenses.
- Keep in mind
- Costs and fees can apply even on unused amounts.
Equipment financing
Funding used to buy machinery, vehicles or tools.
- Best for
- Purchasing equipment that holds value.
- Keep in mind
- The equipment usually serves as collateral.
Term loans
A lump sum repaid on a fixed schedule over time.
- Best for
- Larger, one-time investments.
- Keep in mind
- Often requires a longer business history.
SBA loans
Loans partially backed by the U.S. Small Business Administration.
- Best for
- Established businesses planning for the long term.
- Keep in mind
- The paperwork and review process can be lengthy.
Invoice financing
Funds advanced against your unpaid customer invoices.
- Best for
- Businesses waiting on customer payments.
- Keep in mind
- Fees reduce the amount you receive per invoice.
Funding types shown for education. Availability depends on the provider and your eligibility.
Compare
Compare funding types.
| Funding type | Best for | Pros | Cons |
|---|---|---|---|
| Personal Loans | Personal expenses or debt consolidation | A lump sum with agreed repayment terms | Rates and eligibility depend on credit |
| Personal Credit Cards | Routine personal spending | Reusable credit up to an approved limit | Interest and utilization can add up |
| Business Loans | Business investment and expansion | Capital for a range of business goals | Qualification requirements vary |
| Business Credit Cards | Routine business expenses | Reusable credit for business purchases | Interest, fees, or guarantees may apply |
| Revenue Based Financing | Revenue-generating businesses | Payments can be linked to revenue | Reduces cash flow; total costs vary |
| Equity Based Funding | Longer-term business growth | Capital in exchange for ownership | Dilutes ownership and may share control |
| Working capital | Day-to-day costs | Flexible use of funds | Shorter repayment periods |
| Line of credit | Ongoing needs | Draw only what you need | Variable costs possible |
| Equipment financing | Buying equipment | Equipment can secure the funding | Limited to equipment purchases |
| Term loan | Big one-time projects | Predictable payment schedule | Stricter requirements |
| SBA loan | Long-term growth | Longer terms are common | Lengthy process |
| Invoice financing | Slow-paying customers | Based on existing invoices | Fees per invoice |
- Best for
- Personal expenses or debt consolidation
- Pros
- A lump sum with agreed repayment terms
- Cons
- Rates and eligibility depend on credit
Personal Loans
- Best for
- Routine personal spending
- Pros
- Reusable credit up to an approved limit
- Cons
- Interest and utilization can add up
Personal Credit Cards
- Best for
- Business investment and expansion
- Pros
- Capital for a range of business goals
- Cons
- Qualification requirements vary
Business Loans
- Best for
- Routine business expenses
- Pros
- Reusable credit for business purchases
- Cons
- Interest, fees, or guarantees may apply
Business Credit Cards
- Best for
- Revenue-generating businesses
- Pros
- Payments can be linked to revenue
- Cons
- Reduces cash flow; total costs vary
Revenue Based Financing
- Best for
- Longer-term business growth
- Pros
- Capital in exchange for ownership
- Cons
- Dilutes ownership and may share control
Equity Based Funding
- Best for
- Day-to-day costs
- Pros
- Flexible use of funds
- Cons
- Shorter repayment periods
Working capital
- Best for
- Ongoing needs
- Pros
- Draw only what you need
- Cons
- Variable costs possible
Line of credit
- Best for
- Buying equipment
- Pros
- Equipment can secure the funding
- Cons
- Limited to equipment purchases
Equipment financing
- Best for
- Big one-time projects
- Pros
- Predictable payment schedule
- Cons
- Stricter requirements
Term loan
- Best for
- Long-term growth
- Pros
- Longer terms are common
- Cons
- Lengthy process
SBA loan
- Best for
- Slow-paying customers
- Pros
- Based on existing invoices
- Cons
- Fees per invoice
Invoice financing
For education only. Details vary by provider.
Be prepared
What to have ready.
Requirements vary by provider.
- Business name and type
- Time in business
- Estimated annual revenue
- A business bank account
- Owner identification
- Recent bank statements
- Tax returns or financial statements
Resources