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%
Keep operations running
Working Capital
Money for running the business at the size it already is.
- Loan amount
- $5K – $500K
- Term
- 3–18 months
- Starting rate
- From 7%
- Time to fund
- 24–48 hours
Working Capital
Best for payroll, inventory, rent and utilities
Working capital covers the operating costs that do not wait: payroll, stock, rent, utilities, the gap between delivering work and being paid for it. It funds continuity rather than growth, and the right size for it is the size of the gap.
Because it is sized to a gap, it should be termed to end when the gap closes. Borrowing eighteen months of money for a three-month problem is the most common expensive mistake on this list.
What it gives you
Why a business takes this one
- Payroll, stock, rent and utilities
- Nothing pledged against it
- Termed to the length of the gap
- No restriction on what it funds
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.
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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.