# Business Loans and Financing Products, Compared 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. [Check your options](https://capitalgurus.com/apply/) · [(725) 425-4307](tel:+17254254307) Soft credit pull only, no obligation. - Same-day decisions from some providers. Subject to provider approval and document turnaround. - 700+ industries served - Reviews: [Trustpilot](https://www.trustpilot.com/review/capitalgurus.com) · [Google](https://g.page/r/Cf6zosahxIXzEBM/review) · [BBB](https://www.bbb.org/us/nv/las-vegas/profile/small-business-loans/capital-gurus-1086-90086762) ## Which product fits Pick what you need the money for. - Fund a planned project — [Term loans](https://capitalgurus.com/loans-and-financing/term-loans/) - Draw cash as you need it — [Line of credit](https://capitalgurus.com/loans-and-financing/line-of-credit/) - Cover payroll or a slow month — [Working capital](https://capitalgurus.com/loans-and-financing/working-capital/) - Buy or lease equipment — [Equipment financing](https://capitalgurus.com/loans-and-financing/equipment-financing/) - Long terms, if you can wait — [SBA loans](https://capitalgurus.com/loans-and-financing/sba-loans/) - Get capital from future sales — [Merchant cash advance](https://capitalgurus.com/loans-and-financing/merchant-cash-advance/) - Get paid on open invoices — [Invoice factoring](https://capitalgurus.com/loans-and-financing/invoice-factoring/) - Fund a newer business — [Startup funding](https://capitalgurus.com/loans-and-financing/startup-funding/) - Borrow against home equity — [Business HELOC](https://capitalgurus.com/loans-and-financing/heloc/) Want to see a payment first? [Business loan calculator](https://capitalgurus.com/calculators/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](https://capitalgurus.com/loans-and-financing/term-loans/) — A fixed amount and a schedule you can budget. — $10K–$10M · up to 10 years, depending on the funding provider — More pages: [Short-Term](https://capitalgurus.com/loans-and-financing/term-loans/short-term/) - [Business line of credit](https://capitalgurus.com/loans-and-financing/line-of-credit/) — Standby capital you draw only when you need it. — $10K–$5M, drawn as you need it, depending on the funding provider — More pages: [Secured](https://capitalgurus.com/loans-and-financing/line-of-credit/secured/) · [For New Businesses](https://capitalgurus.com/loans-and-financing/line-of-credit/startups/) - [Equipment financing](https://capitalgurus.com/loans-and-financing/equipment-financing/) — Let the equipment pay for itself over its working life. — Up to $5M with full documentation, depending on the funding provider — More pages: [Leasing](https://capitalgurus.com/loans-and-financing/equipment-financing/leasing/) · [For Startups](https://capitalgurus.com/loans-and-financing/equipment-financing/startups/) - [SBA loans](https://capitalgurus.com/loans-and-financing/sba-loans/) — Long terms, and honest about the wait. — Capital Gurus is not an SBA lender; SBA loans are made by SBA-participating lenders. — More pages: [7(a)](https://capitalgurus.com/loans-and-financing/sba-loans/7a/) · [504](https://capitalgurus.com/loans-and-financing/sba-loans/504/) · [Express](https://capitalgurus.com/loans-and-financing/sba-loans/express/) · [Microloans](https://capitalgurus.com/loans-and-financing/sba-loans/microloan/) - [Merchant cash advance](https://capitalgurus.com/loans-and-financing/merchant-cash-advance/) — Priced mainly on revenue, full cost up front. — Not a loan: a purchase of future receivables, priced with a factor rate. — More pages: [Revenue-Based Financing](https://capitalgurus.com/loans-and-financing/merchant-cash-advance/revenue-based/) - [Invoice factoring](https://capitalgurus.com/loans-and-financing/invoice-factoring/) — Turn unpaid invoices into working cash. — Sized by the invoice rather than by the business, and not a loan. — More pages: [Receivables Financing](https://capitalgurus.com/loans-and-financing/invoice-factoring/ar-financing/) · [Invoice Financing](https://capitalgurus.com/loans-and-financing/invoice-factoring/invoice-financing/) - [Working capital financing](https://capitalgurus.com/loans-and-financing/working-capital/) — One application, many providers, one advisor. — Up to $10M for strong files with full documentation, depending on the funding provider - [Startup business funding](https://capitalgurus.com/loans-and-financing/startup-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)](https://capitalgurus.com/loans-and-financing/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. ## Keep reading ### Guides - [Types of business loans](https://capitalgurus.com/guides/types-of-business-loans/) - [Line of credit vs term loan](https://capitalgurus.com/guides/line-of-credit-vs-term-loan/) - [How to get a business loan](https://capitalgurus.com/guides/how-to-get-a-business-loan/) ### From the blog - [Traditional Bank vs. Alternative Lender](https://capitalgurus.com/blog/bank-vs-alternative-lender/) - [Invoice Factoring vs. Line of Credit](https://capitalgurus.com/blog/invoice-factoring-vs-line-of-credit/) - [Merchant Cash Advance vs. Line of Credit](https://capitalgurus.com/blog/merchant-cash-advance-vs-line-of-credit/) [All articles](https://capitalgurus.com/blog/) ## Frequently asked questions ### 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 advisor](https://capitalgurus.com/contacts/) ## Decisions from some providers the same day, depending on the provider. Subject to provider approval and document turnaround. [Apply now](https://capitalgurus.com/apply/) · [Call (725) 425-4307](tel:+17254254307) About 5 minutes, soft credit pull only · [talk to a funding advisor](https://capitalgurus.com/contacts/) By the Capital Gurus Editorial Team · Reviewed by Joseph Wartz · [Editorial policy](https://capitalgurus.com/editorial-policy/) --- Source: https://capitalgurus.com/loans-and-financing/ · Last reviewed 2026-10-28 · Capital Gurus is not a lender.