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Complete Funding Guide

Small Business Loans — Compare Every Option, Find Your Best Rate

From term loans and lines of credit to SBA loans and invoice factoring — explore every small business loan type, understand the requirements, and apply through a bank or lender for every type of business with a single application.

No credit score impact

Working capital

Funded
$250,000
Term
$280,000 payback · 18 months
Payment
$3,589/week · 78 payments

Recent example. Not a quote.

Small Business Loan Types

Each loan type serves a different purpose. Click through to learn more about rates, terms, and requirements for each option.

Term Loans

Starting at Prime + 1

Unsecured term loans with no loan minimum or maximum over 5–7 years. Fixed monthly payments. Requires 680+ credit.

Learn more

Lines of Credit

Prime + 1

Revolving credit lines with no loan minimum or maximum. Draw funds on demand and only pay interest on what you use — perfect for managing cash flow gaps.

Learn more

SBA Loans

Government-backed rates

Government-guaranteed loans with no loan minimum or maximum and the lowest rates and longest terms available. Ideal for real estate, acquisitions, and major expansion.

Learn more

Invoice Factoring

Varies by lender and profile

Convert unpaid invoices to immediate cash. Get 80–90% of invoice value upfront while the factoring company handles collections.

Learn more

Equipment Financing — Learn more · Working Capital — Learn more

How to Choose the Right Small Business Loan

1

Define Your Funding Purpose

One-time purchases like real estate or major expansions call for term loans or SBA loans. Ongoing or variable expenses work best with a line of credit. Cash flow issues from slow-paying customers? Invoice factoring converts receivables to immediate cash.

2

Evaluate Your Timeline

Consider how lender review and documentation fit your funding needs. Timing depends on the lender and product; no funding date is guaranteed.

3

Assess Your Qualifications

Strong credit and 2+ years in business? You'll qualify for the lowest rates through SBA or bank term loans. Newer business or lower credit? Revenue-based lending and invoice factoring have more flexible requirements.

4

Compare the Total Cost

Interest rates alone don't tell the full story. Factor in fees, closing costs, prepayment penalties, and the time value of faster funding. Sometimes a slightly higher rate with faster approval delivers better overall value.

Guides & Resources

Prepare for your application and understand what lenders look for.

Business Loan Requirements

Learn exactly what lenders look for — credit scores, revenue thresholds, documentation, and how to strengthen your application.

Read guide

How to Apply for a Business Loan

Step-by-step guide to the business loan application process, from preparation through funding.

Read guide

Why Apply Through Pro Capital?

Best Rates Available

Submit once and get matched with the best offers across term loans, lines of credit, SBA programs, and more.

No Credit Score Impact

We use a soft pull to evaluate options. Your credit score stays protected, and there is no hard pull.

Every Loan Type in One Place

Compare term loans, lines of credit, SBA loans, and factoring side by side — we place you with the right lender.

Small Business Loan FAQs

Common questions about small business financing options.

The most common types include term loans, lines of credit, SBA loans, and invoice factoring. Each serves different needs — term loans for large purchases, lines of credit for ongoing cash flow, SBA loans for the best rates, and factoring for converting receivables to cash.

Start by defining your funding purpose. One-time purchases suit term loans or SBA-backed financing. Variable expenses work best with lines of credit. If you have strong financials and can wait, SBA loans offer the best terms. If you need cash fast against unpaid invoices, factoring is ideal. Pro Capital's funding specialists help you compare all options.

There is a funding program for every credit score, including 500. Term loans and lines of credit start at 680+ FICO; other products have different requirements. Pro Capital evaluates your full financial picture to find the best match.

Funding timing depends on the lender, product, documentation, and eligibility. A Pro can explain the review process for the options that fit your business.

Yes — many successful businesses use multiple financing types simultaneously. For example, a term loan for equipment, a line of credit for working capital, and factoring for cash flow management. This diversified approach can actually strengthen your financial position.

No. Pro Capital uses a soft credit pull to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Ready to Find Your Best Loan Option?

Apply in under 60 seconds. No obligation, and no impact to your credit score.