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Four products, side by side
Same application, four very different structures. Here is how they compare on the things that actually matter: how much, how fast, how repaid, and who qualifies.
| Merchant Cash Advance | Business Term Loans | Business Lines of Credit | Business Credit Cards | |
|---|---|---|---|---|
| Amounts | $10,000 – $2,000,000 | $25,000 – $5,000,000 | $10,000 – $500,000 | $5,000 – $150,000 combined |
| Time to funding | 24 – 48 hours after signing | 2 – 7 business days | 1 – 5 business days | Same day to 10 days |
| Repayment | Fixed daily or weekly debit | Fixed monthly (some weekly) | Weekly or monthly on drawn balance | Monthly, revolving |
| Term | Typically 3 – 18 months | 1 – 5 years | Revolving, typically 6 – 24 months | 0% APR for 9 – 18 months on many cards |
| Collateral | None required | From 8% APR, based on profile | Variable, from 1% – 3% / month on balance | Cash back or points on spend |
| Minimum revenue | About $10,000 / month | About $250,000 / year | About $120,000 / year | None on most cards |
| Time in business | 6 months or more | 2 years or more | 1 year or more | Any — new businesses qualify |
| Credit | Considered, not decisive | 650+ preferred | 600+ preferred | 680+ personal for best offers |
| Best for | Fast, short-term capital | Planned, larger purchases | Ongoing cash-flow gaps | Everyday operating expenses |
| Full details | Full details | Full details | Full details |
Ranges reflect files we typically place and are illustrative. Actual terms are set by the funding partner after underwriting.
Not sure which one?
Most owners are not, and that is fine. Pick "Not sure yet" on the application. We look at the statements and come back with the one or two that fit, with the trade-offs spelled out.
Start an applicationA rough guide
- Need it this weekMerchant cash advance.
- Buying something big, want a monthly paymentTerm loan.
- Customers pay slowly, need a cushionLine of credit.
- New business or everyday spendBusiness credit cards.
Find out what the business qualifies for.
Five minutes to apply. No cost, no obligation, and a specialist follows up the same business day.