Term Loan
A one-time lump sum repaid over a fixed period, with a payment that never moves.
- Funding amount
- $10K – $1M
- Starting rate
- From 6%
Flexible access
Business Line of Credit
A revolving limit you draw on when you need it, paying interest only on what you take.
- Credit line
- $10K – $500K
- Term
- 6–12 months
- Starting rate
- From 8%
- Time to fund
- 24–48 hours
Line of Credit
Best for cash-flow gaps, seasonal swings, emergency repairs
A line of credit is an approved limit that sits there costing nothing until it is used. Draw against it, repay, draw again, without going back through an application each time, and pay interest on the balance rather than on the limit.
It is the one product here worth arranging before anything has gone wrong — which is also when it is easiest to get, because lenders price a business that is not yet under pressure more kindly than one that is.
What it gives you
Why a business takes this one
- Interest on the drawn balance only
- Refills as it is repaid
- Costs nothing while it sits unused
- Approved once, held for up to a year
The application
Start the application
Six steps and a few minutes. A soft inquiry only, no fee, and no obligation to take anything that comes back.
Rather talk to somebody first? (844) 312-6337.
All six
And what it is not
Business Line of Credit
A revolving limit you draw on when you need it, paying interest only on what you take.
- Credit line
- $10K – $500K
- Starting rate
- From 8%
Short-Term Loan
A fixed sum with a short payoff, for a cost that has already landed.
- Loan amount
- $5K – $500K
- Starting rate
- From 9%
Working Capital
Money for running the business at the size it already is.
- Loan amount
- $5K – $500K
- Starting rate
- From 7%
Equipment Financing
Up to $2 million for machinery, vehicles and technology, secured on the equipment itself.
- Financing amount
- $10K – $2M
- Starting rate
- From 5%
Merchant Cash Advance
An advance against future sales, repaid as a share of what comes in.
- Advance amount
- $5K – $500K
- Factor rate
- 1.1 – 1.5
Amounts, terms and rates below are Guardian's own published figures. Rates are the floor of what the network writes, not a quote, and the cash advance is a factor rate rather than an interest rate.