Funding options
The option that fits how your business earns
There is no one-size-fits-all funding. The right option depends on what the money is for and how cash actually moves through your business. A specialist reads your file and matches you to the fit, usually starting with revenue-based funding. FundVella is not a lender; it connects you with specialists who review your file and present options.
Funding options
Eight ways to put working capital to work. Amounts, costs, and timing are decided by underwriting, not promised here.
Revenue-Based Funding
Most popularBest for covering a gap or moving on an opportunity fast.
Funding based on your revenue, not credit alone. It is a purchase of a set amount of your future receivables, not a loan, repaid as a small automatic share of deposits so it flexes with a slow week. A factor rate sets one total payback amount up front; it is not an APR.
- Purchase of future receivables, not a loan
- Cost is a factor rate → one total payback amount, not an APR
- Daily or weekly remittance that flexes with deposits
- No tax returns; reviewed on bank activity
Revenue-based funding is a purchase of future receivables. Cost is a factor rate that fixes one total payback amount up front; it is not an interest rate or APR. You see the full payback before you decide.
Business Line of Credit
Best when the need keeps coming back.
A revolving limit you draw on when you need it and pay down when you don't, so you only pay for what you draw. Useful when the need is recurring rather than one-time.
- Revolving limit, often $250K–$500K
- Draw and repay as needed
- Pay only for what you draw
HELOC
Best with 650+ credit and equity in your real estate.
A line against your property's equity, often funded within a day. You get an indicative number up front; final terms confirm against your equity and title. Speed is the draw.
- Line against real-estate equity
- Often funded within a day
- Indicative number up front; final terms confirm against equity & title
- Typically needs 650+ FICO and property equity
Term Loan
Best for a one-time use with a predictable monthly payment.
A real business loan with a fixed payment over a set term. Because it is a true loan, an APR is the right measure here (unlike revenue-based funding), and there is no prepayment penalty.
- A real loan — APR from ~4.99%
- $10K–$10M, terms 1–10 years
- No prepayment penalty
- APR language is correct here
A term loan is a real loan, so an APR is the correct measure (unlike revenue-based funding). Rates and terms shown are indicative ranges; final terms depend on underwriting.
SBA Loan
Best for strong profiles on an unhurried timeline.
Bank-funded term financing with the longest terms. As a real loan it carries an APR. It requires tax returns and more patience, so shorter bridge funding can carry you while it processes.
- Bank-funded term loan (carries an APR)
- Requires tax returns
- Longest terms, slower to fund
An SBA loan is a real, bank-funded loan, so an APR applies. It requires tax returns and a longer timeline; approval is the bank's decision.
Equipment Financing
Best when you're buying equipment, new or used.
The equipment itself is the collateral, so it is often easier to qualify for. Possible tax write-offs may apply — confirm with a CPA.
- Equipment is the collateral → easier to qualify
- Up to 100% financing
- Terms up to 7 years
- Possible write-offs (confirm with a CPA)
Bridge Funding
Best when you need capital now while a slower loan is in process.
Short-term funding that puts cash to work today and can be cashed out when your term loan or SBA funds.
- Short-term bridge to capital now
- Can be cashed out when the long-term loan funds
Invoice Factoring
Best when cash is stuck in unpaid invoices.
Turn outstanding invoices into cash now instead of waiting on net-30 or net-60. Funding is advanced against your receivables or a specific asset.
- Funding against receivables or assets
- Cash now instead of waiting on net-30 / net-60
Revenue-based funding is a purchase of future receivables and uses a factor rate that fixes one total payback amount, not an APR. Term loans and SBA loans are real loans and do carry an APR. You see the full cost before you decide. You may qualify; approval depends on underwriting, and there is no obligation to accept an offer.
If you're not fundable yet
A not-yet is not a no
If credit is the blocker today, there is a path back rather than a dead end. This is a route to becoming fundable, not a funding product.
Credit Repair
A not-yet is not a no. If credit is the blocker, a restoration partner runs a 3-bureau forensic audit and disputes inaccurate or questionable items on your behalf, with a dedicated manager and a client portal, so you have a runway back to fundable.
- 3-bureau forensic audit and professional disputes
- Dedicated manager and client portal
- No upfront fees — billed monthly, in arrears
- Cancel within 3 business days
Credit repair disputes inaccurate or questionable items; it does not promise a specific score, a number of deletions, or any outcome. There are no upfront fees (you are billed monthly, in arrears) and you can cancel within 3 business days.
Card Processing
ServicePayment processing for merchants that already take cards. This is a service, not funding — supportive, and never the headline.
Not sure which one fits?
Answer five quick questions and we'll point you to the option that fits how your business earns. A specialist confirms it. No hard credit check, no obligation.
Important disclosure
This is not a commitment to lend and is not a bank loan. Funding options, amounts, and timing depend on underwriting and documentation; approval is not guaranteed. Any payments must fit your business cash flow. Submitting your information places you under no obligation. A funding specialist may contact you to review your inquiry. See our disclosures and privacy policy.