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%
Move fast
Short-Term Loan
A fixed sum with a short payoff, for a cost that has already landed.
- Loan amount
- $5K – $500K
- Term
- 3–18 months
- Starting rate
- From 9%
- Time to fund
- 24 hours
Short-Term Loan
Best for bridge financing, emergency expenses, inventory opportunities
Same fixed sum and fixed schedule as a term loan, cleared inside eighteen months instead of two years. Less time on the books usually means an easier approval and a total cost you can see the end of — and it is the fastest of the six, at around a day.
It suits a repair, a short season, a window that will close. If what you are funding will still be earning in three years, ask for a term loan instead: the rate is lower and the payment is smaller.
What it gives you
Why a business takes this one
- Fastest of the six to fund
- Fixed sum, fixed payoff date
- Easier to qualify for than longer credit
- Cleared inside 18 months
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.