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Business loans

Every kind of business funding, explained plainly

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Full disclosure below.

Pick a type to learn how it works, or let Guru match you in about 2 minutes. New to this? Start with my overview of small business funding.

Choose a funding type

Working Capital Loans

Short-term cash for payroll, stock and the gap before customers pay.

Business Line of Credit

A reusable limit you draw from only when you need it.

Business Term Loans

One lump sum, a fixed schedule and a clear payoff date.

SBA Loans

Government-backed loans with long terms, if you can wait.

Equipment Financing

Pay for machines, vehicles and tools over time.

Invoice Factoring

Get paid now on invoices your customers will pay later.

Revenue-Based Financing

Repay as a share of sales, so slow weeks cost you less.

Startup Business Funding

Realistic options for businesses under 6 months or pre-revenue.

Buying stock? See my inventory loans.

Not sure which one fits?

Let Guru match you in about 2 minutes.

How we make money

Lending Gurus compares options and doesn’t lend. We may earn a referral fee when you apply through our links, but no lender pays for a review or a score, and partner status never changes one. Advertiser disclosure.