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Small business funding products, compared in one place

Amount, time, and cost on every product. Most need a 550+ personal FICO® score. SBA loans need 680+. A partner has to say yes. A complete file on a business day is what the fast options need.

Looking for a use case? Industries we talk to.

Working Capital

Amount
$10,000 – $500,000
Time
Same-day decision. Funds within 24 hours.
Cost
Factor 1.15 – 1.49
Credit
550+ personal FICO®

You have payroll, materials, or a job to cover, and you need the money this week.

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Business Term Loans

Amount
$25,000 – $5 million
Time
About 2–4 weeks.
Cost
Estimated APR from about 8%
Credit
550+ personal FICO®

You know what you're paying for, and you want one monthly payment.

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Business Line of Credit

Amount
$10,000 – $500,000
Time
Same-day decision. Funds within 24 hours.
Cost
Estimated APR 8% – 28%
Credit
550+ personal FICO®

You want cash ready so you can pull it when a bill or a job shows up.

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Equipment Financing

Amount
$10,000 – $2,000,000
Time
Same-day decision. Funds in 24 hours if no appraisal.
Cost
About 7% – 24% APR
Credit
550+ personal FICO®

You need a truck or a machine, and you don't want to drain the bank account to buy it.

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SBA Loans

Amount
$50,000 – $5 million
Time
30–90 days.
Cost
7(a) stays inside the SBA cap. 504 is lower.
Credit
680+ personal FICO®

You can wait a month or two, and you want the cheaper long-term loan.

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Invoice Factoring

Amount
Up to about 90% of the invoice
Time
Often within 24 hours after the account is open.
Cost
Quoted per 30 days the invoice is open
Credit
550+ personal FICO®

You already did the work. The customer hasn't paid the invoice. You need that money now.

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MCA Consolidation

Amount
$25K – $2M
Time
A few business days after a partner says yes.
Cost
Factor 1.20 – 1.45
Credit
550+ personal FICO®

You already have more than one advance pulling from your deposits, and you want one payment.

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Business Acquisition Financing

Amount
$100K – $5M
Time
A few weeks.
Cost
Estimated APR from about 9%
Credit
550+ personal FICO®

You want to buy a business, and you need the money to close.

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Commercial Real Estate & Major Projects

Amount
$250K – $10M
Time
Weeks. The appraisal comes first.
Cost
Estimated APR from about 8%
Credit
550+ personal FICO®

You want to buy the building you work out of, or pay for a big project.

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Not sure which fits?

Start the pre-qual and pick “Not sure yet” — we route your file to whatever the statements support.

See your options

Built Together Funding Corp works with a network of funding partners and is not a direct lender or the SBA. All financing is subject to partner review, underwriting, and approval. Rates, terms, and amounts shown on this site are estimates only, vary by qualifications, and are not an offer or commitment to lend. Not all applicants will qualify.

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