01 — SHORT TERM
Working Capital Loan
A lump sum repaid in fixed daily or weekly instalments over three to eighteen months.
The lender sets the cost at the outset as a fixed total, so you know the full number
before you take the money. It is often the quickest product to arrange and is commonly
used to cover payroll, buy inventory ahead of a peak, or bridge a seasonal trough.
Best for: a known, short-lived gap where speed beats price. Poor fit for: anything you will still be paying for in three years.
$10,000 – $150,000 · 3–18 months · Daily or weekly
02 — LONG TERM
Business & Commercial Term Loan
A fixed amount at a fixed monthly payment over one to five years, and sometimes up to
seven where an asset backs it. The most predictable option: the same payment every
month and a known end date. Prepayment terms vary by lender.
Best for: expansion, renovation, acquisition — anything still earning in year three. Poor fit for: a two-week cash-flow gap.
$25,000 – $200,000 · 12–60 months · Monthly
03 — REVOLVING
Business Line of Credit
A facility you draw against, repay and draw again, with interest charged only on the
balance you are actually carrying. Sit at zero and you typically pay only any
standby or maintenance fee the lender charges. Draw $30,000 for eleven days and you
pay interest for eleven days.
Best for: recurring, unpredictable gaps — the receivable that lands late every quarter. Poor fit for: a single large purchase you already know the size of.
$10,000 – $100,000 · Revolving · Interest on drawn balance
04 — REVENUE PACED
Merchant Cash Advance
You sell an agreed slice of future card receipts at a discount, and repay as a fixed
percentage of each day's sales, so repayments fall in quiet weeks and the balance clears
faster in busy ones. Approval weighs recent deposits heavily, so it can be an option
where a term loan is not. It is often one of the higher-cost products.
Best for: retail, restaurants and salons with strong card volume and bruised credit. Poor fit for: B2B businesses paid by transfer or cheque.
$10,000 – $150,000 · Repaid as a % of daily sales
05 — ASSET BACKED
Equipment Financing
The equipment itself secures the borrowing, which lowers the lender's risk and can
lower your rate. Terms can run closer to the useful life of the asset. Many lenders
consider new or used equipment, dealer or private sale, and can pay the vendor directly.
Best for: machinery, vehicles, kitchens, medical and dental fit-outs. Also offered by some lenders: sale-and-leaseback on equipment you already own.
Up to 100% of invoice with some lenders · 12–84 months
06 — RECEIVABLES
Invoice Factoring
Sell your outstanding invoices at a discount and receive much of the value sooner,
instead of waiting up to ninety days. Because you are borrowing against work already
delivered, the decision weighs your customers' creditworthiness as well as your own.
Best for: staffing, trucking, wholesale, construction — anyone invoicing large customers on long terms. Poor fit for: consumer-facing businesses paid at the point of sale.
Advance rates vary, often up to 90% · Per-invoice or whole ledger
07 — PERSONAL
Debt Consolidation Loan
Several high-rate balances replaced with one fixed instalment loan on a known end
date. Worth doing only when the total cost of borrowing falls, which is why we can run
both numbers with you before you accept an offer.
Best for: three or more balances above 19%. Poor fit for: debt you could clear inside twelve months on your current payments.
$10,000 – $75,000 · 12–60 months · Fixed rate
08 — PERSONAL
Personal Instalment Loan
Typically unsecured, fixed rate and fixed term, for home improvement, medical costs, relocation
and the other large one-time expenses that a credit card handles badly. On unsecured loans, nothing is
registered against your home or your vehicle.
Best for: a defined expense above $10,000. Poor fit for: anything under $10,000, where a credit union or a line of credit will often cost you less.
$10,000 – $75,000 · 12–60 months · Prepayment terms vary