Funding comparison

Every funding path, side by side

Toggle between business and personal funding to see how each program compares on the things that matter most — how fast you can fund, how long you have to repay, what you need to qualify, and what it typically costs.

Compare your options

Side-by-side funding comparison

See how funding paths stack up on speed, terms, collateral, and cost — then start an application for the one that fits. Figures are typical industry ranges, shown for illustration only; actual offers vary by lender and qualifications.

Comparison of business funding programs across speed to fund, term length, collateral, credit profile, total cost, and best use
Program	Speed to fund	Term length	Collateral	Credit profile	Total cost	Best for
Rapid SBA ProgramFlagship Our flagship "Express" program	Under 30 days	Up to 10 years	Sometimes required	680+ typical (our in-house credit repair team can get you there in 7–14 days)	Among the lowest-cost options	Established businesses (2+ years) wanting larger amounts at better terms
Business Term Loan One lump sum, fixed schedule	Days to a few weeks	1–10 years	Sometimes required	Good to excellent preferred	Low to moderate	Planned investments like expansion, renovation, or large purchases
Business Line of Credit Draw what you need, when you need it	Days to a few weeks	Revolving (6 months–5 years)	Sometimes required	Fair to good	You pay only on what you draw	Ongoing cash flow, payroll gaps, and seasonal swings
Equipment Financing The equipment secures the funding	Days to a few weeks	2–7 years	Yes — the equipment itself	More flexible; the asset helps	Low to moderate	Vehicles, machinery, and other hard assets
Invoice Factoring Turn unpaid invoices into cash	As fast as a few days	Tied to invoice terms (30–90 days)	Yes — your invoices	Based more on your customers' credit than yours	Higher; priced per invoice	B2B businesses waiting on slow-paying customers
Merchant Cash Advance An advance against future sales	As fast as 1–3 days	3–18 months	Usually not required	Most flexible; revenue matters more	Highest on this list — compare carefully	Fast needs when other options aren't available

Rapid SBA Program

Flagship

Our flagship "Express" program

Speed to fund: Under 30 days
Term length: Up to 10 years
Collateral: Sometimes required
Credit profile: 680+ typical (our in-house credit repair team can get you there in 7–14 days)
Total cost: Among the lowest-cost options
Best for: Established businesses (2+ years) wanting larger amounts at better terms

Business Term Loan

One lump sum, fixed schedule

Speed to fund: Days to a few weeks
Term length: 1–10 years
Collateral: Sometimes required
Credit profile: Good to excellent preferred
Total cost: Low to moderate
Best for: Planned investments like expansion, renovation, or large purchases

Business Line of Credit

Draw what you need, when you need it

Speed to fund: Days to a few weeks
Term length: Revolving (6 months–5 years)
Collateral: Sometimes required
Credit profile: Fair to good
Total cost: You pay only on what you draw
Best for: Ongoing cash flow, payroll gaps, and seasonal swings

Equipment Financing

The equipment secures the funding

Speed to fund: Days to a few weeks
Term length: 2–7 years
Collateral: Yes — the equipment itself
Credit profile: More flexible; the asset helps
Total cost: Low to moderate
Best for: Vehicles, machinery, and other hard assets

Invoice Factoring

Turn unpaid invoices into cash

Speed to fund: As fast as a few days
Term length: Tied to invoice terms (30–90 days)
Collateral: Yes — your invoices
Credit profile: Based more on your customers' credit than yours
Total cost: Higher; priced per invoice
Best for: B2B businesses waiting on slow-paying customers

Merchant Cash Advance

An advance against future sales

Speed to fund: As fast as 1–3 days
Term length: 3–18 months
Collateral: Usually not required
Credit profile: Most flexible; revenue matters more
Total cost: Highest on this list — compare carefully
Best for: Fast needs when other options aren't available

Not sure which row fits you? Start one application and a funding specialist will walk you through the options. Submitting this form is not a loan application and does not affect your credit.

Ranges shown are general industry illustrations, not offers or guarantees of terms.