Compare Business Funding Programs
Different business goals call for different financing structures. Compare how each program works, what lenders typically review and which payment model may fit your cash flow.
Get Help Comparing OptionsRead Common Questions
Quick Business Funding is a broker, not a lender. Final approval, pricing and funding decisions are made by third-party lenders. Qualified applicants may receive funds within 24–48 hours after final approval and receipt of all required documents. Timing is not guaranteed.
Quick Answer
Quick Business Funding brokers six core commercial financing programs: working capital, revenue-based financing, merchant cash advances, business lines of credit, equipment financing and invoice factoring. Some are loans or credit facilities; others are purchases of future receivables or invoices. Terms and availability vary by lender and state.
Program Comparison
| Program | Often used for | Payment structure | Important distinction |
|---|---|---|---|
| Working Capital | Payroll, inventory, repairs, expansion | Fixed or periodic payments vary by product | Broad category with multiple structures |
| Revenue-Based Financing | Growth tied to predictable revenue | Payments generally fluctuate with revenue | May be structured as a receivables purchase |
| Merchant Cash Advance | Fast access based on sales activity | Percentage of sales or fixed ACH remittance | Purchase of future receivables, not a loan |
| Business Line of Credit | Recurring and unexpected costs | Pay for the amount drawn, subject to agreement | Reusable after repayment when available |
| Equipment Financing | Vehicles, machinery and technology | Scheduled payments | Equipment commonly secures the financing |
| Invoice Factoring | Cash tied up in unpaid B2B invoices | Factor purchases eligible invoices | Factoring is not a loan |
Structures vary by provider. Review the full agreement, total cost and payment method before accepting any offer.
Explore Each Program
Working Capital
Revenue-Based Financing
Merchant Cash Advance
Business Line of Credit
Equipment Financing
Invoice Factoring
How to Choose a Funding Structure
- Need a flexible operating cushion? Start with Working Capital or a Business Line of Credit.
- Revenue changes month to month? Review Revenue-Based Financing.
- Strong daily card or deposit volume and urgent need? Compare an MCA carefully with other options.
- Buying a defined asset? Equipment Financing may align the funding with its useful life.
- Waiting on creditworthy business customers to pay invoices? Consider Invoice Factoring.
This guide is educational and is not a financing offer or recommendation. Compare the full cost, payment frequency, term, prepayment provisions, security interests and personal-guarantee requirements shown in each provider’s documents.
Funding Program FAQs
Is Quick Business Funding a lender?
No. Quick Business Funding is an independent business funding broker. We help businesses identify and compare options from third-party lenders and financing providers. Those providers make final approval, pricing and funding decisions.
How quickly can I receive a decision?
A complete application may receive an initial or conditional decision as soon as the same business day. Additional documentation or lender review may be required. Timing varies and is not guaranteed.
Can funding arrive in 24–48 hours?
Qualified applicants may receive funds within 24–48 hours after final approval and receipt of all required documents. Bank processing, documentation and product type can affect timing.
Can I apply with bad credit?
Yes. Options may be available for businesses with less-than-perfect credit. Lenders may also consider revenue, deposit history, time in business and other factors. Approval is not guaranteed.
Do all programs require collateral?
No, but the answer depends on the product. Some working-capital options may not require additional collateral. Equipment financing commonly uses the financed equipment, and invoice factoring involves eligible receivables.
Does submitting a request affect my credit?
Submitting the initial request does not itself guarantee that no credit inquiry will occur. Before proceeding, ask which type of credit inquiry a lender may use and when authorization is required.
How much funding can I request?
Requests from $10,000 to $20 million may be considered across the lender network. Actual minimums, maximums and approved amounts depend on the product, lender, business performance, documentation and state availability.
See Which Funding Options May Fit Your Business
Quick Business Funding is a broker, not a lender. Final approval, pricing and funding decisions are made by third-party lenders. Qualified applicants may receive funds within 24–48 hours after final approval and receipt of all required documents. Timing is not guaranteed.
Updated July 31, 2026