Business Loans and Financing Products, Compared
Every product in our network on one page. One application lets providers match you with the ones that fit.
Soft credit pull only, no obligation
- Same-day decisions
- from some providers
- Subject to provider approval and document turnaround.
- 700+
- industries served
- Reviews
Which product fits
Pick what you need the money for.
- Fund a planned projectTerm loans
- Draw cash as you need itLine of credit
- Cover payroll or a slow monthWorking capital
- Buy or lease equipmentEquipment financing
- Long terms, if you can waitSBA loans
- Get capital from future salesMerchant cash advance
- Get paid on open invoicesInvoice factoring
- Fund a newer businessStartup funding
- Borrow against home equityBusiness HELOC
Want to see a payment first?Business loan calculator
All of our products
Nine products, one application.
Rates, factor rates, fees and terms are set by the funding provider that makes your offer and are disclosed in that provider's agreement. Figures on this page are illustrative ranges from providers in our network, not offers.
Business term loans
A fixed amount and a schedule you can budget.$10K–$10M · up to 10 years, depending on the funding provider
Business line of credit
Standby capital you draw only when you need it.$10K–$5M, drawn as you need it, depending on the funding provider
Equipment financing
Let the equipment pay for itself over its working life.Up to $5M with full documentation, depending on the funding provider
SBA loans
Long terms, and honest about the wait.Capital Gurus is not an SBA lender; SBA loans are made by SBA-participating lenders.
Merchant cash advance
Priced mainly on revenue, full cost up front.Not a loan: a purchase of future receivables, priced with a factor rate.
Invoice factoring
Turn unpaid invoices into working cash.Sized by the invoice rather than by the business, and not a loan.
Working capital financing
One application, many providers, one advisor.Up to $10M for strong files with full documentation, depending on the funding provider
Startup business funding
Options for businesses still getting started.Some providers consider businesses under 12 months. Meeting a minimum does not guarantee an offer.
Home equity line of credit (HELOC)
For owners whose equity outweighs their revenue.Issued by a third-party lender on its own terms and disclosures; Capital Gurus only refers you to that lender.
Frequently asked questions
In short
One application lets providers in our network match you with term loans, lines of credit, equipment financing, SBA referrals, merchant cash advances, invoice factoring and more. Compare what each product is for and its typical amounts below; the provider that makes your offer sets the rate and terms.
Is Capital Gurus a lender?
Capital Gurus is not a lender. We collect your application, present it to funding providers in our network, and help you compare the offers they make. Each provider sets its own rates, fees and terms, which are disclosed in that provider's agreement.
Which type of business financing is easiest to qualify for?
It depends on what your business has to show. Products priced on revenue, such as a merchant cash advance, lean on your deposits more than your credit score, while term loans and SBA loans ask for a longer history and stronger credit. Meeting a provider's minimums does not guarantee an offer. A funding specialist can tell you which products your file fits before you apply.
Can one application be considered for more than one product?
Yes. You apply once, and a funding specialist reads the application and presents it to the providers in our network whose products fit your file. If the first product does not fit, the specialist checks the next one without asking you to start over. Each provider that makes an offer sets its own rates, fees and terms.
Does checking my options affect my credit score?
Checking your options with Capital Gurus is a soft credit pull only, so it does not affect your credit score. The application takes about 5 minutes and carries no obligation to accept an offer. A funding provider may run its own credit review before it funds, and its agreement states what it checks.
Still have a question?
talk to a funding advisorDecisions from some providers the same day, depending on the provider.
Subject to provider approval and document turnaround.
about 5 minutes, soft credit pull only · talk to a funding advisor