A lump-sum business loan repaid in fixed monthly installments over a set period. Pro Capital's unsecured term loan has no loan minimum or maximum, with a 5–7 year term and rates starting at Prime + 1.
Example: Term loans use fixed monthly payments over the life of the loan, with no prepayment penalty.
Who qualifies: Requires a 680+ personal credit score across all 3 bureaus and 2 years of personal tax returns showing $50,000+ of taxable income each year. No minimum time in business.
See term loan details →A revolving credit facility that lets a business draw funds up to a set limit, repay, and re-borrow as needed. Interest is paid only on the outstanding balance.
Example: A line of credit accrues interest only on the amount drawn until it is repaid.
Who qualifies: Typically requires 6+ months in business, $8,000+ in monthly revenue, and a 680+ FICO.
See lines of credit →The Small Business Administration's flagship loan program. Loans have no loan minimum or maximum and are partially guaranteed by the SBA, allowing approved lenders to offer lower rates and longer terms than conventional financing.
Example: An SBA 7(a) loan spreads repayment over a longer term to support manageable payments.
Who qualifies: SBA qualification depends on the lender and business profile. There is a program for every credit score, including 500. Term loans and lines of credit start at 680+ FICO.
See SBA loan options →An SBA program for major fixed-asset purchases — owner-occupied real estate and large equipment. Structured as a 50/40/10 split between a bank, a Certified Development Company, and the borrower.
Example: A $1,000,000 SBA 504 used to buy a building typically requires only a 10% borrower down payment ($100,000).
Who qualifies: Open to for-profit businesses with under $15M in tangible net worth and under $5M in average net income.
See SBA loan options →An accelerated SBA 7(a) variant with no loan minimum or maximum and SBA decisions in 36 hours. Carries a lower SBA guarantee (50%) than standard 7(a) loans in exchange for the faster turnaround.
Example: An SBA Express loan uses a streamlined process designed for faster decisions.
Who qualifies: SBA qualification depends on the lender and business profile. There is a program for every credit score, including 500. Term loans and lines of credit start at 680+ FICO.
See SBA loan options →An SBA-backed loan with no loan minimum or maximum issued through nonprofit intermediary lenders, designed for startups and underserved entrepreneurs.
Who qualifies: Newer businesses, sole proprietors, and underserved entrepreneurs with limited credit history are commonly eligible.
See SBA loan options →A financing method where a business sells its outstanding B2B invoices to a third party (the factor) at a discount, receiving 80–95% of the invoice value upfront and the remainder (less a fee) when the customer pays.
Example: On a $100,000 invoice with a 90% advance and a 2% factor fee, the business receives $90,000 after lender review and the remaining $8,000 once the customer pays the factor.
Who qualifies: Available to B2B businesses with creditworthy commercial or government customers. Personal credit requirements are typically light.
See invoice factoring →Short-term financing where a lender pays a supplier directly so a business can fulfill a confirmed customer purchase order. Repayment comes from the eventual customer payment.
Example: A $250,000 confirmed PO can be funded so the supplier is paid up front, then repaid when the end customer pays.
Who qualifies: Best for businesses with verified, creditworthy customers and gross margins above ~20%.
See PO financing →A loan collateralized by Bitcoin holdings rather than business assets. Lets owners access liquidity without selling crypto and triggering a taxable event.
Example: A business owner pledges $200,000 in BTC and borrows $100,000 (50% LTV) without selling holdings.
Who qualifies: Requires sufficient BTC collateral, strong identity verification, and acceptance of a margin-call mechanism if BTC price falls.
See BTC-backed loans →Financing repaid as a percentage of your monthly revenue instead of a fixed payment. Payments flex with cash flow — you pay more in strong months and less in slow ones.
Example: A $150,000 advance with a 1.30 factor and 8% of monthly revenue: pay $12,000 in a $150K revenue month, $6,400 in an $80K month.
Who qualifies: Best for businesses with consistent monthly revenue ($20K+/mo) and 6+ months in business. Credit score less critical than revenue.
A lump-sum advance repaid via a fixed daily or weekly debit (or a percentage of card sales), priced with a factor rate rather than an annual interest rate. Funding timing depends on the lender and business profile.
Example: A $100,000 MCA at a 1.35 factor rate carries $135,000 in total repayment, debited daily over 6–12 months.
Who qualifies: Available with credit scores as low as 500 and as little as 3 months in business. Best when speed matters more than cost.
