| Product | Best For | Amount | Speed | Rates | Term | Min. Requirements | |
|---|---|---|---|---|---|---|---|
|
Revenue Based Financing
Flexible repayment
|
E-commerce, SaaS, seasonal businesses | $10K - $2M | bolt24-72 hrs | 15-40% | 6-18 mo | 6+ mo, $10K+/mo revenue | Details |
|
Term Loans
Fixed payments
|
Established businesses, major investments | $10K - $5M | 3-10 days | 6-30% | 1-10 yrs | 2+ yrs, $100K+ revenue, 650+ credit | Details |
|
Lines of Credit
Revolving access
|
Cash flow gaps, ongoing needs | $10K - $500K | 1-5 days | 8-35% | 6-24 mo draw | 1+ yr, $75K+ revenue, 600+ credit | Details |
|
Equipment Financing
Asset-backed
|
Manufacturing, construction, medical | $5K - $5M | 2-7 days | 5-25% | 1-7 yrs | 1+ yr, $100K+ revenue, 600+ credit | Details |
|
SBA Loans
⭐ Best Rates
|
Established, strong credit, real estate | $50K - $5.5M | 30-90 days | Prime +2-5% | 10-25 yrs | 2+ yrs, $250K+ revenue, 680+ credit | Details |
|
Working Capital
Fast access
|
Short-term needs, cash flow gaps | $5K - $500K | bolt24-72 hrs | 12-50% | 3-18 mo | 3+ mo, $50K+ revenue, 550+ credit | Details |
|
Conventional Term
Bank-style
|
Strong credit, large amounts, real estate | $100K - $10M+ | 2-8 weeks | 5-12% | 3-20+ yrs | 3+ yrs, $500K+ revenue, 700+ credit | Details |
|
Business Credit Cards
Rewards + convenience
|
Daily expenses, rewards, employee cards | $5K - $100K | boltInstant | 15-25% | Revolving | 670+ credit, active business | Details |
|
HELOC
Home equity
|
Homeowners, startups, refinancing | $10K - $500K+ | 2-6 weeks | 7-11% | 10 yr draw | 15-20% equity, 620+ credit | Details |
speed
Fastest Funding
Revenue Based Financing, Working Capital, and Business Credit Cards offer 24-72 hour funding.
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Lowest Rates
SBA Loans and Conventional Term Loans offer the best rates (5-12%) for qualified businesses.
payments
Most Flexible
Revenue Based Financing and Lines of Credit offer the most flexible repayment options.
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Easiest Approval
Working Capital and Business Credit Cards have the lowest minimum requirements.
Still Not Sure Which Is Right?
Read our guide on choosing the right business loan for your needs.
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