Business Funding

What it is

Working Capital is revenue-based financing designed for businesses that need fast capital for payroll, inventory, marketing, taxes, expansion, working capital, and short-term operating needs. Approval is driven primarily by the business's monthly deposits and revenue rather than hard collateral, so it funds quickly — but it is short-term capital, not cheap long-term financing.

Who it is for

Operating businesses with consistent monthly deposits that need fast capital for short-term operating needs. Because approval leans on deposit volume and revenue, it fits businesses that may not qualify for a conventional term loan but have steady cash flowing through the business bank account.

When it makes sense

When speed matters more than long-term cost — payroll, inventory, a tax deadline, a marketing push, or an expansion opportunity that won't wait for a conventional loan's timeline.

Why choose it

It funds fast and leans on deposit volume rather than hard collateral or a long operating history, so newer or non-traditional businesses can still access capital when a conventional lender would decline.

How it compares: Faster and more accessible than a Business Term Loan, but shorter-term and higher-cost. If the business can qualify for a Business Term Loan or Business Line of Credit, those are usually lower-cost; reserve Working Capital for speed and accessibility.

What it is

A Business Term Loan is a lump-sum loan repaid through fixed monthly payments over a defined term. It is built for established businesses that want predictable, longer-term capital for expansion, equipment, working capital, or a business-acquisition contribution — with a known payment schedule and a clear payoff horizon.

Who it is for

Established businesses with at least one year in business and $100,000+ in annual revenue that want a defined lump sum with a predictable monthly payment. Best when the business has the revenue and history to support a conventional structure.

When it makes sense

When a one-time capital injection with a predictable payment fits the plan — a planned expansion, an equipment purchase, a working-capital boost, or a business-acquisition contribution where certainty about the repayment obligation matters.

Why choose it

A term loan gives a known amount, a known payment, and a known payoff date — useful for planned investments where the business wants certainty and a longer horizon than short-term working capital.

How it compares: Lower-cost and longer-term than Working Capital, but a one-time lump sum rather than reusable credit. If the business needs revolving capital it can draw and repay, a Business Line of Credit may fit better. If the need is equipment-specific, Equipment Financing may be cheaper because the asset secures it.

What it is

A Business Line of Credit is revolving opportunity capital the business can deploy, repay, and reuse. Draw only what you need, pay interest generally only on amounts drawn, and as you repay, availability returns. It is built for variable or recurring capital needs where flexibility beats a one-time lump sum.

Who it is for

Operating businesses with established monthly deposits and an average daily balance that want reusable capital rather than a one-time loan. Best for businesses with recurring or unpredictable capital needs — bridging revenue cycles, quick opportunities, or ongoing operating needs.

When it makes sense

When reusable, flexible capital is preferred over a fixed lump sum — bridging revenue cycles, covering recurring operating needs, or moving on a quick opportunity without re-applying each time.

Why choose it

You pay interest only on what you draw, and repaid amounts become available again — so the same facility can serve multiple needs over time without re-applying.

How it compares: More flexible than a Business Term Loan (reusable vs. one-time lump sum) and lower-cost than Working Capital for businesses that qualify. If the business needs a single known amount with a fixed payoff, a term loan may fit better.

What it is

Equipment Financing is asset-backed financing where the eligible equipment cost or value determines the amount and the equipment itself generally serves as collateral. It is built for businesses acquiring vehicles, machinery, medical equipment, technology, office equipment, or production equipment — with fixed payments over a term tied to the equipment's useful life and 100% ownership at the final payment.

Who it is for

Businesses acquiring eligible equipment — from startups through established businesses. The equipment secures the financing, so the structure can be more accessible than an unsecured loan for the same purpose.

When it makes sense

When a specific equipment purchase needs financing secured by the asset itself — vehicles, machinery, medical, restaurant, technology, office, or production equipment.

Why choose it

The equipment secures the financing, so it is often more accessible and better-structured than an unsecured loan for the same purpose — and the business owns the asset outright at payoff with no balloon.

How it compares: Secured by the asset, so usually better terms than an unsecured loan for an equipment-specific purchase. If the need is general working capital rather than a specific asset, a Business Term Loan or Business Line of Credit may fit better.

What it is

Reverse Consolidation is a distinct structure designed to reduce the cash-flow pressure created by existing daily or weekly MCA (merchant cash advance) payments — without immediately paying every position off. It can reduce daily payment pressure, extend runway, and provide additional working capital. It is NOT the same as normal consolidation: the goal is relief from frequent MCA payments, not simply combining balances into one payment.

Who it is for

Businesses carrying multiple active MCA or revenue-based positions whose daily or weekly payments are straining cash flow. Best when the business needs breathing room from frequent MCA debits rather than a conventional consolidation.

When it makes sense

When existing daily/weekly MCA payments are consuming too much of the business's deposit flow and the business needs to reduce that pressure, extend runway, or free up working capital — but a conventional consolidation doesn't fit the MCA structure.

Why choose it

It targets the specific cash-flow pain of stacked daily/weekly MCA debits — relief that a conventional consolidation, which simply combines balances, is not built to provide.

How it compares: Distinct from Business Debt Consolidation. Reverse Consolidation reduces the payment pressure of existing MCA positions; Business Debt Consolidation combines multiple existing advances into one more manageable payment. The two solve related but different problems and are kept as separate products.

What it is

Business Debt Consolidation combines multiple existing business advances into one more manageable payment structure. It is built for businesses carrying two or more existing positions that want to simplify and reduce the burden of multiple separate payments. Eligibility requires 2+ existing positions (up to 6).

Who it is for

Businesses with multiple existing advances or positions (2+, up to 6) that want to combine them into a single, more manageable payment. Not for businesses with only one position — the structure requires multiple positions to consolidate.

When it makes sense

When juggling multiple separate business advances is creating administrative and cash-flow burden, and combining them into one payment would simplify management and potentially improve terms.

Why choose it

Combining multiple advances into one payment simplifies management and can improve cash flow versus servicing several separate obligations at once.

How it compares: Distinct from Reverse Consolidation. Business Debt Consolidation combines multiple existing advances into one payment; Reverse Consolidation reduces the cash-flow pressure of existing MCA payments. The two are kept as separate products because they solve different problems.

What it is

0% Startup Funding is a major capital product for new businesses, pre-revenue companies, startups, and entrepreneurs with strong personal credit. Approval is driven primarily by personal credit — no time in business, no revenue, and no bank statements are required. Up to $150,000 at 0% for up to 24 months, with a 680+ FICO required.

Who it is for

New businesses, pre-revenue companies, startups, and entrepreneurs with strong personal credit (680+ FICO) who need capital before establishing revenue history. Also for business owners who need capital before the business has the revenue or history to qualify for revenue-based programs.

When it makes sense

When the business is new or pre-revenue and conventional revenue-based programs aren't available yet, but the owner's personal credit is strong enough to drive approval on its own.

Why choose it

It unlocks capital for new and pre-revenue businesses that have no revenue history to qualify for revenue-based programs — as long as the owner's personal credit is strong.

How it compares: The only product in the suite that requires no revenue, no bank statements, and no time in business — approval is driven by personal credit. Once the business has established revenue, a Business Term Loan, Business Line of Credit, or Working Capital usually offers larger amounts and different structures.

What it is

SBA Loans are government-backed, longer-term business financing structures for eligible businesses. They can offer longer terms and lower costs than conventional working capital, but are slower to close because SBA and lender underwriting apply. SBA is publicly offered through Green Fire Strategies; because exact partner-channel SBA parameters require confirmation, SBA applications are routed for manual review rather than auto-decisioned.

Who it is for

Eligible businesses that meet SBA and lender requirements and can accommodate an SBA timeline. Best when longer-term, lower-cost government-backed financing fits and speed is not the overriding priority.

When it makes sense

When longer-term, lower-cost financing fits the plan and the timeline allows for SBA and lender review — not when same-day or next-day funding is required.

Why choose it

SBA structures can offer longer terms and lower costs than conventional working capital — valuable when the timeline allows and lower long-term cost is the priority.

How it compares: Slower than every other product in the suite, but potentially lower long-term cost. If speed matters more than cost, Working Capital, a Business Term Loan, or a Business Line of Credit closes faster.

What it is

Invoice Factoring converts eligible outstanding business receivables into usable capital before customer invoices are paid. Instead of waiting 30, 60, or 90 days for customers to pay, a business with qualifying invoices can access a portion of that receivable value upfront to fund operations, payroll, inventory, or growth. The advance is tied to the strength of the receivables and the creditworthiness of the business's customers rather than the business's own collateral.

Who it is for

B2B businesses that invoice other businesses on terms and have reliable customers with strong payment histories. It fits companies whose cash flow is constrained by slow-paying receivables rather than by a lack of revenue — staffing firms, service providers, wholesalers, manufacturers, and contractors with outstanding commercial invoices.

When it makes sense

When the business has solid, outstanding commercial invoices but needs capital now to cover payroll, take on a new project, buy inventory, or keep operations running while waiting for customers to pay. It is especially useful when the business's customers are creditworthy but slow to pay.

Why choose it

It unlocks capital the business has already earned but cannot yet access, without waiting for customers to pay or taking on a fixed-payment loan the business must service from unrelated cash flow.

How it compares: Unlike Working Capital or a Business Term Loan (which lean on the business's deposits or revenue), Invoice Factoring leans on the receivables and the customer's ability to pay. It complements — rather than replaces — those products when the binding constraint is slow-paying invoices. Exact program parameters require confirmation.

How is Business Funding different from Gap Funding?

Do I have to pick a specific product?

How fast can business capital fund?

Can a startup qualify?

Does Business Funding include HELOCs or cross-collateral real-estate products?

What is the difference between Reverse Consolidation and Business Debt Consolidation?