Small Business Loan Solutions

Capitalizing your business means giving it the funding it needs to grow, operate smoothly, or seize new opportunities — no matter where you're located or what you need it for.

There are many types of small business loans available, which is why it’s essential to understand your options before applying. Start by clarifying how you plan to use the funds — from working capital to new equipment. If you’re still defining your goals, our advisors can help.

Schedule a Call with a Funding Specialist

Submit One Application

Complete our online form in minutes. One application gives you access to multiple funding options.

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Speak with an Underwriter

We’ll review your goals and recommend the most strategic business loan option for your needs.

Receive Your Funds

Once approved, your funds can be deposited in as little as 24 hours.

Clear Repayment Terms

Your repayment terms are clearly structured upfront — so you always know what to expect and can plan accordingly.

Quick Overview: 6 Types of Small Business Loans

Business Line of Credit

Flexible access to funds. Draw what you need, when you need it.

Merchant Cash Advance

Fast capital based on future credit card or revenue streams.

Term Loans

A lump sum with fixed payments, ideal for big purchases or expansion.

SBA Loan

Loans backed by the U.S. Small Business Administration — ideal for longer terms and lower rates.

Equipment Financing

Finance the machinery, tools, or technology your business needs.

Invoice Factoring

Turn unpaid invoices into immediate cash flow.

Compare Our Business Loan Types

Loan Type	Best For	Typical Funding Speed	Repayment Structure
Business Line of Credit	Managing cash flow gaps, emergencies	1–3 days	Revolving — pay interest only on what you use
Term Loan	Expansion, renovations, large purchases	2–7 days	Fixed monthly payments
SBA Loan	Lower rates, longer repayment terms	2–6 weeks	Fixed terms, government-backed
Equipment Financing	Buying vehicles, machinery, or tech	1–5 days	Monthly installments tied to equipment value
Merchant Cash Advance	Quick funding for high-revenue businesses	24–48 hours	Daily/weekly remittance from revenue
Invoice Factoring	Businesses with outstanding receivables	1–3 days	Repayment comes from collected invoices

LET’S GET STARTED

Apply for the Right Small Business Loan

One application gives you access to all of our loan products. A Capitalize advisor will help you understand your best-fit options and repayment terms.