Compare your options
Which type of funding fits your business?
Every option has trade-offs in speed, cost, and flexibility. Here's how the most common business funding types stack up — side by side.
Not sure? Take the 60-sec quiz →| Funding type | Best for | Typical amount | Speed to fund | Typical term | Relative cost | Credit needed |
|---|---|---|---|---|---|---|
| SBA Loan 7(a) & 504 |
Long-term growth, acquisition, real estate | $50k – $5M+ | Slower | 10 – 25 yrs | $ Lower | Good+ |
| Business Term Loan Working capital |
General growth, hiring, one-time needs | $10k – $500k | Moderate | 1 – 7 yrs | $$ Mid | Fair+ |
| Line of Credit Revolving |
Cash-flow gaps, recurring flexibility | $10k – $250k | Fast | Revolving | $$ Mid | Fair+ |
| Equipment Financing Asset-secured |
Vehicles, machinery, technology | $5k – $1M | Moderate | 1 – 7 yrs | $$ Mid | Fair+ |
| Working Capital Advance Revenue-based |
Urgent, short-term cash needs | $5k – $250k | Fast | 3 – 18 mo | $$$ Higher | All profiles |
| Commercial Real Estate Often SBA 504 |
Buying, building, refinancing property | $150k – $5M+ | Slower | 10 – 25 yrs | $ Lower | Good+ |
SBA Loan
7(a) & 504
Best forLong-term growth, acquisition, real estate
Amount$50k – $5M+
SpeedSlower
Term10 – 25 yrs
Cost$ Lower
CreditGood+
Business Term Loan
Working capital
Best forGeneral growth, hiring, one-time needs
Amount$10k – $500k
SpeedModerate
Term1 – 7 yrs
Cost$$ Mid
CreditFair+
Line of Credit
Revolving
Best forCash-flow gaps, recurring flexibility
Amount$10k – $250k
SpeedFast
TermRevolving
Cost$$ Mid
CreditFair+
Equipment Financing
Asset-secured
Best forVehicles, machinery, technology
Amount$5k – $1M
SpeedModerate
Term1 – 7 yrs
Cost$$ Mid
CreditFair+
Working Capital Advance
Revenue-based
Best forUrgent, short-term cash needs
Amount$5k – $250k
SpeedFast
Term3 – 18 mo
Cost$$$ Higher
CreditAll profiles
Commercial Real Estate
Often SBA 504
Best forBuying, building, refinancing property
Amount$150k – $5M+
SpeedSlower
Term10 – 25 yrs
Cost$ Lower
CreditGood+
Figures are general industry ranges for guidance only — your actual amount, rate, and term depend on your business profile and the lender. Qualify Finance is a consulting firm, not a lender.
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