$10K to $20M across eight programs

Business funding programs

From fast merchant cash advances to long-term SBA and real estate loans, compare every program side by side, then let one short form match your business to the programs that fit.

Check My Funding Options Call 888-572-6737

No cost to check Soft check only All 50 states

Form 15A, Programs~60 sec

Get your funding options

Tell us about your business. A funding specialist reviews your options and routes you to the full application.

Company website Business name*

First name*

Last name*

Mobile phone*

Email*

Requested amount*

Est. credit score*

Monthly revenue*

Time in business*

Funding purpose*

Your information is secure and never sold.

By submitting, you agree to be contacted about business funding options by phone or email. SMS text messages are sent only if you check the box above. Credit approval, terms, rates, and funding amounts are subject to lender underwriting. This is not a guarantee of approval.

8Funding programs

$10K to $20MAmounts reviewed

Soft checkNo hard pull to start

All 50 statesReviewed nationwide

01Compare

Compare our funding programs

Every program solves a different problem. Compare amounts, credit, time in business, and what each one is best for.

Program	Amounts reviewed	Credit	Time in business	Best for
Merchant cash advance	Based on monthly deposits	Mid-600s considered; some below 600	Often 6+ months	Fast funding from steady card or deposit revenue
Working capital loan	$10K to $10M	Mid-600s considered	Varies by program	Payroll, inventory, and short-term gaps (3 to 24 months)
Business term loan	$10K to $10M	Mid-600s considered	Varies by program	Planned investments with a fixed monthly payment
Line of credit	Set by your approved limit	500+ FICO	3+ months	Recurring or unexpected expenses; draw as needed
Equipment financing	$10K to $20M	550+ FICO	1+ year	Vehicles, machinery, and technology
A/R financing	$10K to $10M	No minimum FICO	2+ years	B2B businesses waiting on invoices
SBA loan	Up to program limits	650+ FICO	3+ years	Lowest cost and longest terms, if you can wait
Commercial real estate	$100K to $20M	500+ FICO	Varies by deal	Buying, renovating, or refinancing property

Program minimums as listed on each program page. Every funding provider sets its own criteria, and meeting a minimum is not an approval.

02By situation

Find the right program for your situation

I need funds fast and have steady salesMerchant cash advance or working capital My credit is below 650Programs that weigh revenue over credit I'm buying equipmentEquipment financing, secured by the equipment Customers pay me in 30 to 90 daysA/R financing turns invoices into cash I have recurring cash-flow gapsA line of credit you can reuse I want the lowest cost and can waitSBA or bank-style term loans Stacked MCA payments are draining cashConsolidation and reverse consolidation I want options for my industryFunding pages for 18 industries

03How to choose

How to choose between programs

Match the term to the use. Short-term needs such as payroll or inventory fit short-term funding; long-lived assets fit longer loans.
Weigh speed against cost. SBA and bank-style loans usually cost the least but take longer; merchant cash advances are fastest and usually cost the most.
Compare total cost, not just the payment. Use the loan, MCA, and line of credit calculator to compare offers in dollars and estimated APR.
Know your state's rules. Some states require specific disclosures on MCA offers; see merchant cash advances by state.
Read the guide that fits. The 7 types of business loans explains each option in depth.

04How it works

One application, matched to the right program

Tell us about your business

The 60-second form asks for revenue, time in business, credit range, amount, and use of funds. Soft check only.

A specialist matches programs

We compare your profile with the programs and funding providers that fit, and tell you what is realistic.

Review offers in writing

You see the amount you would receive, the total repayment, and the payment schedule before you decide.

See how the process works step by step.

05Questions

Frequently asked questions

Q01What funding programs does SmallByzLoans offer?

Merchant cash advances, working capital loans, business term loans, lines of credit, equipment financing, accounts receivable financing, SBA loans, and commercial real estate financing. SmallByzLoans is a marketplace: we match you with funding providers, and each provider makes its own decision.

Q02Which business funding program is easiest to qualify for?

Revenue-based programs such as merchant cash advances and many working capital loans are generally the most accessible, and equipment financing is easier because the equipment secures it. Easier approval usually means a higher cost, and no program guarantees approval.

Q03Which business funding program costs the least?

For qualified businesses, SBA loans and bank-style term loans usually cost the least, followed by other term loans and lines of credit. Merchant cash advances are typically the most expensive.

Q04Can I apply for more than one program?

You start with one short form. A specialist reviews your profile against every program and tells you which ones fit, so you don't need to apply separately for each.

Q05Does checking my options affect my credit?

The short form uses a soft check only. A funding provider may run its own credit check later, during underwriting.

Sources and further reading

Fund your business, U.S. Small Business Administration
Small Business Credit Survey, Federal Reserve Banks

Financial disclaimer: This page is for general information and is not financial, legal, or tax advice. SmallByzLoans is a funding marketplace, not a lender. Approval, amounts, rates, and terms are set by each funding provider and are subject to underwriting.

06Ready when you are

Not sure which program fits?

Start with the 60-second form. A specialist compares every program against your business and shows you the options in writing.

Check My Funding Options Call 888-572-6737