Business funding products,
explained clearly
Nine core funding structures, each suited to a different business need. You don't need to pick one before you apply, we'll identify the right route after the discovery call.
Working Capital
Cover payroll, supplies, and day to day costs without waiting on slow paying clients. Working capital keeps operations running at full pace so cashflow pressure never becomes the reason a good business slows down.
Line of Credit
Draw funds when you need them, repay as cashflow allows. A revolving line of credit gives growing businesses a capital buffer - for opportunities, unexpected costs, or managing the gap between invoice and payment.
Term Loans
Fixed capital with a clear repayment schedule - ideal for planned investment, expansion, or consolidating existing debt. Term loans give businesses the certainty to execute growth plans without disrupting working cashflow.
Equipment Finance
Acquire, upgrade, or replace business critical assets without consuming working capital. Equipment finance lets the asset pay for itself over its working life, keeping cash available for operations and growth.
Invoice Factoring
Stop waiting 30, 60, or 90 days for invoices to clear. Invoice factoring releases the majority of the invoice value upfront so businesses with strong receivables can access the cash they have already earned, immediately.
Revenue Based Finance
Repayments flex with your revenue, higher in strong months and lower when trading is quieter. Revenue based finance suits businesses with consistent but seasonal or variable income, removing the pressure of a fixed monthly commitment.
Business Loan
A straightforward, lump-sum loan repaid on a fixed schedule over an agreed term. Suited to established businesses funding a specific need - expansion, inventory, debt consolidation, or a one-off investment - where predictable payments matter.
SBA Loan
Government-backed loans offering longer terms and lower rates than conventional financing, partially guaranteed by the Small Business Administration. Ideal for businesses that qualify and can work with a longer approval timeline in exchange for more favourable terms.
Credit Card Stacking
A strategy of securing multiple 0% intro APR business credit cards in a coordinated sequence to access substantial unsecured capital with no interest during the introductory period. Best for businesses with strong credit profiles seeking flexible, low-cost funding.
Which product fits which need
A quick comparison to orient you. The right choice always depends on your specific business, which is why we confirm it in the Funding Assessment.
| Feature | Working Capital | Line of Credit | Term Loan | Equipment | Factoring | RBF | Business Loan | SBA Loan | Credit Stacking |
|---|---|---|---|---|---|---|---|---|---|
| Best for | Day to day operations & payroll | Flexible, on-demand access | Planned growth & expansion | Acquiring assets | Releasing tied-up receivables | Variable or seasonal revenue | Specific one-off investment | Long-term, lower-cost growth | 0% intro unsecured capital |
| How it's repaid | From operating cashflow | As you draw and repay | Fixed schedule over a set term | Asset pays for itself over its life | When the invoice settles | Flexes with monthly revenue | Fixed schedule over a set term | Fixed schedule, longer term | Before intro APR expires |
| Speed to fund | Days to weeks | Days once set up | 1 to 2 weeks | 1 to 2 weeks | Days | Days to weeks | 1 to 2 weeks | Weeks to months | Weeks |
| Security | Often unsecured | Often unsecured | Secured or unsecured | Secured against the asset | Secured against receivables | Often unsecured | Secured or unsecured | Often requires collateral | Unsecured |
You don't have to
Many of our clients come in knowing they have a funding gap but not which product fits best. Apply with the business need in mind and we'll identify the most appropriate route after the discovery call, confirmed in your written Funding Assessment.
Find the right product for your business
Apply with the business need in mind. After a short call, you'll receive a written Funding Assessment naming the product and structure that fits.