Business funding, matched in 60 seconds

Answer six quick questions. We show you which funding options your business realistically qualifies for today, from revenue-based advances to SBA loans, and which grants are worth your time.

Free, no obligation
No hard credit pull
Options from 40+ funding partners
Grants included

How it works

Most funding sites make you fill out a full application before telling you anything. We do it the other way round.

Tell us about the business

Revenue, time in business, credit range, what the money is for. Six taps, no documents.

See what fits

Our matching rules rank advances, credit lines, term loans, SBA, equipment and factoring by realistic fit for your profile.

Pick a path

Compare partner offers for the products that fit, or take the no-debt route through our grant directory. Your call.

Funding options we match

Every product has a sweet spot. The quiz tells you which one is yours; these pages explain how each works, what it costs, and who gets approved.

Fastest

Merchant Cash Advance (Revenue-Based Advance)

Fast capital based on your monthly deposits, repaid as a fixed slice of daily or weekly revenue. The fastest money in small business, and the most expensive if you use it wrong.

⚡ 24–72 hours · Best for cash-flow gaps with strong deposits

Learn more → Most flexible

Business Line of Credit

A revolving limit you draw from as needed and only pay interest on what you use. The best all-purpose tool once you qualify.

⚡ 1–7 days · Best for recurring cash-flow swings

Learn more → Predictable

Business Term Loans

A lump sum repaid in fixed installments over 1–5 years. Predictable, cheaper than short-term products, and the natural upgrade once you have two years of history.

⚡ 2–10 days · Best for expansion and large one-time purchases

Learn more → Cheapest

SBA Loans

Government-guaranteed loans with the lowest rates and longest terms available to small businesses. Slow and paperwork-heavy, and worth it for strong profiles.

⚡ 30–90 days · Best for established businesses that can wait

Learn more → Easiest approval

Equipment Financing

The equipment is the collateral, so approval is easier and terms are longer. Trucks, machinery, medical devices, kitchen lines, IT.

⚡ 1–5 days · Best for vehicles, machinery and technology purchases

Learn more → For B2B

Invoice Factoring

Turn unpaid B2B invoices into cash within days. Approval rests on your customers' credit, not yours.

⚡ 1–3 days · Best for businesses waiting 30–90 days to get paid

Learn more → For smaller needs

0% Intro APR Business Credit Cards

Nine to eighteen months of interest-free capital for smaller needs and newer businesses, plus rewards on everyday spend.

⚡ Instant to 10 days · Best for under $50k, newer businesses, good personal credit

Learn more → New businesses

Startup Funding (Under 1 Year in Business)

Under twelve months most lenders say no. Here is what actually says yes: microloans, community lenders, 0% cards, revenue-based advances and grants.

⚡ Varies · Best for 0–12 months in business

Learn more →

Not ready to borrow? Start with grants.

Grants are money you never repay. They are competitive and slow, but free to apply for. We keep a curated directory of federal, state and private programs for small businesses, with the real eligibility rules and deadlines, and we tell you which ones are worth the paperwork.

Browse the grant directory →

Know the real cost before you sign.

Advances are quoted as factor rates, loans as APR, and the two are not comparable without a calculator. Ours turns any quote into total payback, effective APR and daily payment so you can compare apples to apples.

Open the cost calculator →

Common questions

Does checking my options affect my credit?

No. The 60-second match uses a self-reported credit range and does not pull your credit. A funding partner may run a soft or hard inquiry later, only after you choose to proceed with them and they tell you first.

Are you a lender?

No. Funding Fastlane matches businesses with lenders, funders and grant programs. We are paid by partners when you request information, which keeps the service free for you. We never charge you a fee.

I have been in business under a year. Is there anything for me?

Yes, but not the same products. Under 12 months you are mostly looking at revenue-based advances (if you already have deposits), business credit cards, microloans, community lenders and grants. The quiz routes you there instead of wasting your time on SBA applications.

Are the government grants real?

Yes, and they are always free to apply for through the official agency sites we link to. Anyone who asks you to pay to "unlock" or "guarantee" a government grant is running a scam. We do not award grants ourselves.

What happens with my information?

We use it to match you and, with your consent, share it with the funding partners you are matched to so they can contact you with options. See our privacy policy for the details and your rights.

See what your business qualifies for

60 seconds. No hard credit pull. Options from 40+ funding partners, or a grant path if you are not ready to borrow.