Small Business Funding

Small business funding and working capital for everyday needs, growth plans, and the expensive realities of running a company. Funding options for payroll, inventory, equipment, expansion, vendor payments, cash flow gaps, and the other things that make business ownership such a relaxing little hobby.

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Term Loans

Big capital. Longer runway. Fewer cash chokeholds.

A business term loan gives you access to a larger lump sum of capital with predictable monthly payments and longer repayment terms. Use it to expand, buy equipment, increase inventory, support payroll, refinance expensive debt, or make the kind of business move that needs more than a quick cash patch and a prayer.

The goal is simple: get the capital you need, structure it in a way the business can actually handle, and avoid letting repayment become the next problem.

Up to $5 million in funding
Terms up to 10 years
Predictable monthly payments
Competitive rate options based on the strength of the business
Can be used for growth, working capital, equipment, or business debt consolidation

Best for

Established businesses that need more than a quick cash bandage. Term loans are a good fit when the goal is to stabilize cash flow, fund growth, refinance expensive short-term debt, or make a larger business investment without turning repayment into a full-contact sport.

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Equipment Financing

Yes, the tractor’s sexy. The terms still matter.

Equipment financing helps business owners purchase or lease the equipment they need without draining working capital. New equipment, used equipment, heavy machinery, vehicles, tech, tools, production equipment — whatever keeps the business moving and the revenue coming in.

Instead of tying up cash upfront, financing spreads the cost over time so the equipment can start earning its keep.

Up to $25 million in equipment financing for heavy equipment, vehicles, machinery, tech, and tools
Terms up to 120 months
100% financing options available
New and used equipment may qualify
Application-only options may be available for requests under $150,000

Best for

Businesses that need equipment to operate, grow, replace outdated assets, or take on bigger work without tying up cash upfront. Equipment financing makes sense when the equipment has a clear business purpose, and waiting to buy it would cost more than financing it properly.

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Lines of Credit

Use what you need. Pay for what you use. Imagine that.

A small business line of credit gives you access to flexible capital you can pull from when the business needs a little backup. Payroll timing gets weird. Inventory needs to be ordered. A vendor needs to be paid. A slow week shows up uninvited. A good opportunity pops up before the cash lands.

That’s where a line of credit helps. You use what you need, when you need it, and pay interest only on what you actually draw. Wildly reasonable. We know.

Revolving credit lines up to $750,000
Funding may be available in as little as 24 hours
No collateral required for qualifying businesses
Pay interest only on what you use
Use it for payroll, inventory, vendor payments, short-term gaps, or working capital
Unsecured business line of credit options may be available for qualifying businesses

Best for

Businesses that want flexible access to capital without taking the whole bag upfront. A line of credit makes sense when your cash needs come and go, because business expenses have a real talent for showing up before the money does.

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Accounts Receivable Factoring

Get paid now. Let the invoice age somewhere else.

Accounts receivable factoring, also called invoice factoring, helps turn unpaid invoices into working capital without waiting 30, 60, or 90 days for customers to finally remember money is part of the arrangement.

Instead of taking on a traditional loan, you can factor eligible invoices and receive a portion of the invoice amount upfront. That cash can help cover payroll, materials, vendor payments, operating expenses, new projects, or the delightful little gap between “work completed” and “payment received.”

Advance rates up to 90% of eligible invoices
Funding may be available in as little as 48 hours
Choose which invoices you want to factor
Often easier to qualify for than traditional financing
Useful for covering payroll, materials, vendors, operations, or new work

Best for

Businesses that invoice customers but have to wait weeks or months to get paid. Factoring makes sense when revenue is there on paper, but cash is stuck in limbo, and the business still has real expenses due right now. Because unfortunately, payroll does not accept “the client said they’ll send it next week” as legal tender. (If only.)

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eCommerce Funding

Growth capital without handing over the keys to the store.

eCommerce funding through the Credit Banc and onRamp partnership helps online businesses access capital for inventory, marketing, fulfillment, cash flow, platform growth, and the expensive little realities of selling things on the internet.

Instead of giving up equity or getting buried under high-fee financing, this program helps online brands get the money they need to keep moving, restock faster, test new channels, or scale without inviting a stranger onto the cap table.

Funding up to $2 million
Funds may be available in as little as 24 hours
No equity dilution
Built for online sellers and eCommerce brands
Can be used for inventory, marketing, fulfillment, operations, or growth

Best for

eCommerce businesses with real sales momentum that need cash to keep the machine moving. Inventory has to be ordered. Ads have to run. Fulfillment has to happen. Customers do not care that your cash is somewhere between Stripe, Shopify, and a warehouse invoice. The goal is to keep growth moving without turning the business into a fee machine for someone else.

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Inventory Financing

Stock the shelves without starving the cash flow.

Inventory financing helps businesses buy the products, materials, or goods they need before those items turn into sales. It can be useful when demand is picking up, busy season is coming, supplier pricing is favorable, or one big order is about to put your cash flow in a headlock.

Good inventory planning means having enough product to meet demand without draining the money needed for payroll, rent, vendors, marketing, and all the other bills that remain deeply committed to showing up.

Funding to purchase inventory, materials, products, or goods for resale
Can help prepare for busy seasons, large orders, growth periods, or supplier deadlines
Useful when inventory must be purchased before revenue is collected
May help preserve cash for payroll, rent, vendors, marketing, and operating expenses
Structure depends on business strength, inventory type, sales history, and repayment ability

Best for

Retailers, wholesalers, e-commerce brands, manufacturers, seasonal businesses, and other inventory-heavy companies that need to buy before they sell. Inventory financing can help keep shelves stocked without letting one purchase order shove the rest of the business into a broom closet.

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Merchant Cash Advance

Fast capital, with the fine print taken seriously.

A merchant cash advance is not a traditional loan. It is an advance against future revenue, which can make it faster and easier to access than other types of financing. That speed can be useful when timing matters. But it also comes with tradeoffs. Shorter repayment windows, higher costs, and frequent payments can put real pressure on cash flow if the structure does not fit the business.

At Credit Banc, we look at merchant cash advances carefully. Sometimes they are the right tool. Sometimes MCAs are just the fastest way to make an expensive problem worse.

Up to $5 million in working capital
Funding may be available in as little as 24 hours
Terms up to 18 months
Based largely on business revenue and deposits
May be available to a wide range of industries

Best for

Businesses that need fast access to capital and understand the cost, timing, and repayment structure before moving forward. An MCA may make sense for a short-term opportunity, urgent need, or revenue-backed situation where speed matters and the cash flow can support it. It does not make sense as the default answer every time a business owner needs money. That is how too many companies end up stacking expensive debt and wondering why their bank account feels like it has a leak.

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Project Financing

Big project. Big moving parts. Better have the money lined up.

Project financing helps cover the upfront costs tied to a specific job, contract, buildout, expansion, or revenue-producing project. Use it for materials, labor, deposits, equipment, vendor costs, mobilization, production, or the expensive little details that tend to show up before the revenue does.

The right structure helps match the funding to the project timeline, so a good opportunity does not turn into a cash flow migraine with paperwork.

Funding for specific projects, contracts, or business opportunities
Can help cover upfront costs before revenue is collected
Useful for buildouts, expansion, materials, labor, production, or project-based growth
Structure depends on project size, timeline, revenue potential, and business strength
May help preserve working capital while the project is underway

Best for

Businesses with a real project on the table and a clear path to revenue. Project financing can make sense when the opportunity is solid, but the upfront costs would put too much pressure on cash flow. Because “we’ll figure it out as we go” is not a funding strategy. It is a dare.

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Not sure what kind of funding you need?

Good. That means you probably haven’t been sold the wrong thing yet.

Tell us what you need the money to do. Buy equipment? Cover cash flow? Refinance debt? Fund a project? Move on a property? Whatever it is, we’ll help match the need to the right solution.

Get Pre-Qualified Today Talk to an Advisor: 321-334-5099