If timing is the real issue
Start with working capital, revolving credit, receivables-based financing, or bridge structures before chasing a slower product that cannot move in time.
Start with faster optionsProducts
Find the right financing for your business.
Financing support for businesses in Canada and the United States. Compare options by use of funds, timing, and repayment structure.
The guides below focus on U.S. financing. For Canadian requests, share your province or territory, currency, and financing need so we can review the available options. SBA programs require a U.S.-located business; availability of other products varies by location.
If payment shape matters most
Start with term, equipment, SBA, or mortgage structures when the business can wait slightly longer for a better long-term repayment profile.
Compare structured optionsIf you are still narrowing fit
Use the resources hub and calculators first, then move into the application once the product family and urgency are clearer.
Open tools and guidesWorking capital loans
For urgent working capital, inventory, payroll, repairs, or seasonal swings when traditional bank timing is too slow.
View working capital detailsLine of credit
For repeat borrowing needs, inventory cycles, and uneven cash flow where a revolving facility is more useful than a one-time advance.
View line of creditTerm loans
For expansion projects, equipment, refinancing, and business investments that need clearer repayment terms.
Review term loansEquipment financing
For vehicles, machinery, medical tools, and other equipment purchases where the asset itself can support the structure.
See equipment financingFactoring
For businesses with good invoices but a slow cash conversion cycle that needs to be accelerated.
Explore factoringPO financing
For businesses that have a strong purchase order but need capital to fulfill it before getting paid.
Review PO financingSBA 7(a) loans
For stronger files that qualify for longer-term, lower-cost financing for acquisition, expansion, or refinance.
Review SBA 7(a)Mortgage financing
For commercial acquisitions, refinances, construction, bridge takeouts, and recapitalizations across CRE situations.
Explore mortgage financingFunding guide
For owners comparing products, documentation, lender expectations, and timing before they submit a request.
Read the guideBest use of this site
If speed is the main issue
Focus first on working capital loans, line of credit, bridge, or receivables-based options.
If repayment fit is the main issue
Compare term, equipment, SBA, or mortgage structures before choosing a faster short-term product.
If you are not sure which product fits
Start with the funding guide or resources hub instead of guessing wrong.
Next step
Need help narrowing the right path?
The highest-value conversation usually happens before an application is submitted, when the request can still be steered toward the structure that fits best.