A working capital loan is a short-term financing option designed to meet the immediate operational needs of a business. Typically repaid within a year, these loans help manage cash flow fluctuations, cover immediate expenses, or seize sudden opportunities. They often have flexible repayment terms and variable interest rates. Essential for both new and growing businesses, working capital loans can be used to increase inventory, support payroll, or expand operations, aiding in smooth business functioning during seasonal cycles or unexpected costs.

Equipment financing is a tailored financial solution enabling businesses to purchase essential new or used equipment without significant upfront costs. It is crucial for companies aiming to enhance operational capacity or update technology and machinery.

A Merchant Cash Advance provides small businesses with a lump sum payment in exchange for a percentage of future credit card sales. The credit card processor collects this percentage until the advance plus interest is fully repaid. Unlike conventional loans, this advance is considered a sale of future sales and is not subject to interest rate regulation, often resulting in higher interest costs than typical small business loans.