Business funding options for small businesses.
Business funding comes in several structures—working capital, revenue-based financing, business term loans, and lines of credit. The right option depends on how much you need, what it's for, how fast you need it, and how predictable your cash flow is.
TMK helps you compare those options based on your real revenue and bank-statement history—not a single credit score. No hard credit pull to check your options, and no obligation to accept.
What is business funding?
Business funding is capital a business uses to operate, grow, or manage cash flow. It comes in several structures, and each works differently—different costs, payment schedules, qualification criteria, and use cases.
Some structures are repaid through fixed scheduled payments. Others are tied to your business revenue. Some let you draw and reuse capital as needed. Understanding the differences helps you choose what fits your business instead of accepting the first offer that comes along.
Types of business funding
Each structure below has its own page with a fuller explanation. Available amounts, terms, and eligibility vary based on the business and funding provider.
Working Capital
Funding for everyday operating needs—payroll, inventory, suppliers, and cash-flow gaps. Working capital is the purpose of the funding, not one single product.
Revenue-Based Financing
An advance in exchange for a set amount of future receivables, priced with a factor rate. Repayment is tied to your sales volume rather than a fixed loan payment.
Business Term Loans
A fixed lump sum repaid through predictable, scheduled payments over a defined term—useful for larger, planned investments.
Business Line of Credit
An approved credit limit you can draw from as needed, repay, and reuse—so you only pay for the funds you actually use.
How to choose a business funding option
The right structure depends on your situation. A few questions can narrow the field before you apply.
How much capital do you need?
A specific, known amount often suits a term loan or advance. A flexible reserve for recurring needs often suits a line of credit.
What will the funding be used for?
Payroll and inventory point to working capital. Equipment or expansion point to term financing—or see funding for business expansion. Ongoing opportunities point to a line of credit.
How quickly is it needed?
Revenue-based structures and advances can often move quickly. Term financing may involve more review. Speed varies by provider and how complete your file is.
How predictable is your cash flow?
Steady, predictable deposits can support fixed payments. Seasonal or variable revenue may fit a structure tied to sales volume better.
What do funding providers evaluate?
Requirements vary by product and provider. In general, funders may consider factors such as:
Business revenue
Monthly revenue and the consistency of deposits are usually the most important factors in revenue-based underwriting.
Time in business
How long the business has been operating helps providers assess stability. Requirements vary by product.
Credit profile
Credit is reviewed, but it is only one part of the picture. Strong revenue can offset imperfect credit, depending on the product. See business funding with bad credit for more detail.
Existing debt and advances
Open positions and current payment burden are reviewed to make sure new funding fits your cash flow.
For a deeper look, see how business funding underwriting works, or see a full breakdown of business funding requirements.
Documents and cost: what to expect
Documents commonly requested
- Completed business funding application
- Recent business bank statements (often 4 months)
- Identification and ownership information
- Additional financial documents when required
Understanding business funding costs
Some funding is priced with an interest rate and scheduled payments. Revenue-based structures use a factor rate—a simple multiplier that sets your total payback upfront.
Compare total payback, payment frequency, fees, and any early payoff terms before deciding. Use our business funding calculator to see how a factor rate translates into total cost.
Frequently asked questions
What types of business funding are available?
Common structures include working capital, revenue-based financing, business term loans, and lines of credit. Each works differently—see the dedicated pages above for how each one functions.
How much business funding can I qualify for?
Available amounts vary based on the business and funding provider. Underwriters generally look at monthly revenue, deposit consistency, time in business, and existing obligations rather than a single number.
Does applying affect my credit?
Checking your options involves a soft inquiry only—no hard credit pull to apply. A hard inquiry may occur later during final underwriting, only with your authorization, and only after you've seen any offer.
Can I compare multiple funding structures?
Yes. A single application lets an underwriter compare structures that fit your revenue profile and present the options side by side, so you can compare structure, payment, and cost before deciding.
Explore your business funding options
Apply online in minutes. No hard credit pull, no upfront costs, and no obligation to accept any offer.