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%
Revenue-based funding
Merchant Cash Advance
An advance against future sales, repaid as a share of what comes in.
- Advance amount
- $5K – $500K
- Term
- 4–18 months
- Factor rate
- 1.1 – 1.5
- Time to fund
- 24–48 hours
Merchant Cash Advance
Best for retail and restaurants, seasonal businesses, card-heavy revenue
An advance is not a loan. It buys a fixed share of the business's future sales at a discount and collects as those sales arrive, so a strong week repays more and a quiet week repays less. For a business whose months are not the same size, that is the entire point of it.
It is priced as a factor rate: at 1.1 you repay $1.10 for every dollar, at 1.5 you repay $1.50, and paying it off early does not reduce either. Read that figure out loud before signing. It approves businesses the other five will decline, and it is the most expensive money here — both of those are true at once.
What it gives you
Why a business takes this one
- Approves on takings, not on credit score
- Repayment moves with sales
- No collateral required
- Priced as a factor rate, not interest
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.