Business Financing Options Explained: Debt vs. Equity in 2025

If you're researching business financing options, you're already thinking strategically about capital deployment—and that's exactly what separates operators who scale from those who stall waiting for "perfect" conditions.

Here's what most business financing content gets wrong: It treats all funding sources as equal alternatives, when in reality, the right financing depends entirely on your business stage, cash flow situation, credit profile, and how much control you want to maintain. A construction company needing equipment before winter hits has completely different financing needs than a SaaS startup raising growth capital.

According to the Federal Reserve, 37% of small businesses sought financing in 2024, but the smart ones understood their options before they needed them. With October 2025 bringing unprecedented tax benefits (Section 179 doubled to $2.5M), government shutdown delays in SBA lending, and Fed rate cuts that haven't actually lowered business loan costs, understanding your complete financing toolkit matters more than ever.

Let's break down every business financing option available to you—debt financing, equity financing, and alternative sources—with the real numbers, strategic use cases, and honest trade-offs most lenders won't explain.

The Two Core Paths: Debt vs. Equity (And Why It Actually Matters)

Before diving into specific products, you need to understand the fundamental trade-off that shapes every financing decision you'll make:

Debt Financing = You borrow money and pay it back with interest

• You keep: 100% ownership and control
• You pay: Interest and fees, regardless of business performance
• You need: Ability to make fixed payments from cash flow

Equity Financing = You sell ownership stake in exchange for capital

• You keep: No debt payments eating into cash flow
• You give up: Ownership percentage, profit sharing, potentially decision control
• You need: Growth trajectory that justifies ownership dilution

Here's the strategic truth that gets missed in most financing discussions: Most successful businesses use a mix of both debt and equity over time. The question isn't "debt or equity?"—it's "which combination, at what stage, for what purpose?"

A manufacturer buying $4 million in equipment to capture Section 179 tax benefits? Equipment financing (debt) makes perfect sense. A tech startup burning cash for 18 months building a platform? Venture capital (equity) is the play.

Let's break down every option within these two paths, starting with debt financing since it's more accessible for established businesses.

Debt Financing: Borrow & Repay with Interest

Traditional Loans: Banks & Government-Backed Programs

Bank Term Loans (Traditional Commercial Lending)

Your classic small business loan from a bank or credit union. You get a lump sum upfront, repay it over a fixed term (typically 1-10 years) at a fixed or variable interest rate.

Current Rates & Costs (October 2025):

• Fixed rates: 7.31% - 7.61% (Bankrate data)
• Variable rates: 7.61% - 7.92%
• Typical terms: 1-10 years
• Loan amounts: $50K - $5M+

Translation for Real Businesses: A $250,000 term loan at 7.5% over 5 years costs approximately $5,000/month, with total interest paid of $49,500. Your business needs to generate enough cash flow to cover that monthly payment plus all other operating expenses.

Qualification Reality Check:

• Personal credit score: 700+ for best rates, 680+ minimum at most banks
• Time in business: Typically 2+ years
• Annual revenue: Usually $250K+ minimum
• Debt service coverage ratio: 1.25x+ (your cash flow must cover debt payments by 25% margin)
• Collateral: Often required for amounts over $100K (Not Always)

The Strategic Play: Bank term loans work best for established businesses (2+ years, consistent revenue) making predictable investments with clear ROI—like facility expansion, proven equipment purchases, or refinancing higher-cost debt. The 13.2% approval rate at big banks (according to the Federal Reserve Bank of Kansas City) tells you everything: banks want low-risk borrowers, not growth-stage companies.

The Fed cut rates by 0.25% in September 2025, but as operators are discovering: your equipment loan still costs 9%. Classic "cable bill never goes down" energy. Rate environment and your actual borrowing cost often move independently.

SBA Loans (Government-Guaranteed Programs)

The U.S. Small Business Administration doesn't lend money directly—instead, they guarantee a portion of loans made by approved lenders, reducing risk and allowing more favorable terms than pure commercial loans.

SBA 7(a) Loans (Most Popular Program):

• Maximum amount: $5 million
• Current rates: Prime + 2.75% to Prime + 6% (11-13% range as of October 2025)
• Terms: Up to 10 years for working capital, 25 years for real estate
• SBA guarantee: Up to 85% for loans ≤$150K, 75% for loans >$150K
• Upfront guarantee fee: 0.25% to 3.75% based on loan size

Real-World Cost Example: $500,000 SBA 7(a) loan at 12% over 10 years:

• Monthly payment: ~$7,200
• Total interest paid: $364,000
• Upfront guarantee fee: ~$18,750 (3.75%)
• Total cost of borrowing: $382,750

Critical 2025 Update: SBA dramatically changed 7(a) requirements in April 2025 (SOP 50.10.8), making qualification harder:

• Eliminated "Do What You Do" underwriting (more scrutiny on business plans)
• Minimum 10% cash equity injection for startups
• Credit score threshold raised from 155 to 165 (SBSS score)
• "No credit elsewhere" test reinstated (you must prove you can't get traditional bank financing)

Government Shutdown Impact (October 2025): The federal government shutdown that began October 1, 2025 suspended SBA operations and blocked 504 loan applications. With 750,000 workers furloughed and operations frozen, businesses can't wait—this is driving increased demand for alternative lending options.

SBA 504 Loans (Real Estate & Major Equipment):

• Maximum amount: Typically $5 million, up to $5.5M for certain purposes
• Structure: 50% bank loan, 40% CDC loan (SBA-backed), 10% borrower equity
• Current rates: 6.24% - 6.51% for 25-year terms (fixed-rate)
• Best for: Commercial real estate purchases, large equipment with 10+ year useful life

New SBA MARC Loan Program (Manufacturers): Launched September 3, 2025, effective October 1—the first-ever SBA program dedicated exclusively to small manufacturers:

• Maximum: $5 million
• Options: Revolving credit (20 years) or term loan (10 years)
• Fee waiver: Starting October 2025, SBA waives upfront fees for all 504 manufacturing loans
• Target: 98% of U.S. manufacturers (small businesses under 500 employees)

When SBA Makes Sense: You're buying real estate or major equipment, have decent credit (680+) but lack substantial collateral, and you're willing to wait 45-90 days for approval and provide extensive documentation. The lower rates justify the paperwork—if you can afford to wait.

When to Skip SBA and Use Alternative Financing: You need capital in days, not months. Your credit is under 680. You're buying used equipment or inventory. You can't prove you've been denied by traditional banks.

Business Lines of Credit (Flexible Revolving Credit)

A line of credit functions like a business credit card—you're approved for a maximum limit, draw what you need, repay it, and draw again. You only pay interest on what you actually use.

Current Terms (October 2025):

• Credit limits: $10K - $500K+ (varies by lender)
• Interest rates: 8-25% (higher than term loans due to flexibility)
• Draw period: Typically 6-24 months, renewable
• Repayment terms: Interest-only during draw period, then principal + interest

Strategic Use Cases:

• Managing seasonal cash flow gaps (retail holiday inventory)
• Covering short-term working capital needs
• Emergency equipment repairs or unexpected opportunities
• Bridging timing gaps between project costs and customer payments

Translation: A $100K line of credit at 12% APR where you draw $50K for 3 months costs approximately $1,500 in interest. Compare that to factoring $50K in invoices at 3% per month ($4,500 for the same 3-month period)—the line of credit saves $3,000 if you qualify.

Qualification:

• Personal credit: 650+ for online lenders, 700+ for banks
• Annual revenue: $50K+ (online lenders) to $250K+ (banks)
• Time in business: 6 months+ (online) to 2 years+ (banks)

The catch? If your credit isn't strong enough for a line of credit, you're pushed to more expensive alternatives like merchant cash advances—which is exactly what happened after 13 consecutive quarters of tightening bank credit standards.

Asset-Based Financing: Equipment & Real Estate as Collateral

Equipment Financing (Equipment as Collateral)

Instead of an unsecured loan, equipment financing uses the equipment itself as collateral. If you default, the lender repossesses the equipment. This collateral reduces lender risk, making approval easier and rates more competitive than unsecured loans.

Current Market (October 2025):

• Rates: 6-15% depending on credit and equipment type
• Terms: 2-7 years (typically matches equipment useful life)
• Down payment: 10-20% common, sometimes $0 down
• Amounts: $5,000 to $5,000,000+

2025 Tax Benefit Game-Changer: The One Big Beautiful Bill Act (signed July 4, 2025) doubled Section 179 to $2.5 million and restored 100% bonus depreciation for equipment acquired and placed in service after January 19, 2025. This creates complete first-year write-offs worth seven figures in tax savings.

Real Equipment Financing Scenario (Construction Company):

• Equipment purchase: $4 million (excavators, trucks, concrete equipment)
• Financing: 80% LTV ($3.2M financed) at 8% over 5 years
• Down payment: $800K
• Monthly payment: $64,900

Tax Strategy Impact:

• Section 179 deduction: $2.5 million
• Bonus depreciation on remaining $1.5M: 100% deductible
• Total first-year deduction: $4 million
• Tax savings at 35% rate: $1,400,000

Translation: Your $1.4M in tax savings covers 21 months of equipment payments. That's the strategic financing play: deploy $4M in equipment, preserve $2.4M in working capital through financing, and recoup $1.4M via tax benefits in April 2026.

Critical Timing (October Action Month): Equipment must be:

1. Acquired after January 19, 2025 (binding purchase contract date)
2. Placed in service by December 31, 2025 (operational and ready for use)

With 4-6 week lead times plus installation schedules, October is your last safe month to ensure December 31 compliance. Wait until November and you're betting on supply chains during their busiest season.

Equipment Lease vs. Buy Decision:

• Finance/Buy: You own the equipment, qualify for Section 179/bonus depreciation, build business assets
• Operating Lease: Lower monthly payments, no ownership, equipment stays off balance sheet, limited tax benefits

For 2025 specifically, the unprecedented tax benefits make financing-to-own far more attractive than leasing for most operators.

Real Estate Loans (Commercial Property as Collateral)

Commercial real estate loans fund property purchases—buildings, land, facilities. The property itself serves as collateral.

Typical Terms:

• Rates: 6.5-10% (October 2025)
• LTV (Loan-to-Value): 70-80% (you need 20-30% down payment)
• Terms: 5-25 years
• Amortization: Often 20-25 years even if balloon payment required earlier

Strategic Consideration: Real estate financing makes sense when you're tired of lease payments going to landlords, need specific facility improvements, or operate in markets where ownership costs equal or beat leasing over 7-10 years.

The catch: significant down payment requirements (20-30%), lengthy approval process (60-90 days), and you're locked into a location. Only pursue if you're confident in 5+ year occupancy.

Short-Term & Alternative Debt Financing

Merchant Cash Advance (MCA) - Quick Access, High Cost

A merchant cash advance isn't technically a loan—it's a purchase of your future credit/debit card sales. You receive a lump sum upfront, and the MCA provider takes a percentage of your daily card sales until the advance plus fees is repaid.

How It Works:

• You receive: $50,000 lump sum
• Factor rate: 1.25 (meaning you repay $62,500 total)
• Collection: Provider takes 10-15% of daily credit card sales
• Repayment period: Typically 3-12 months (varies by sales volume)

Translation of True Cost: A 1.25 factor rate over 6 months = approximately 50-80% APR equivalent. This is expensive capital.

When MCA Makes Sense (Rarely):

• You're a restaurant/retail with 80%+ card sales
• You need capital in 24-48 hours for time-critical opportunity
• Your credit is under 600 (limited other options)
• You have a clear, immediate ROI that justifies the cost (capturing a large contract, critical equipment repair during peak season)

When to Absolutely Avoid:

• Your margins are under 20% (the cost will crush profitability)
• You're using MCA to cover operating expenses or other debt
• You don't have consistent daily card sales
• Any other financing option is available at reasonable rates

The industry reality: MCA has a place for emergency situations where speed justifies cost, but it's the most expensive financing on this list. Use it only when the alternative is losing a bigger opportunity.

Invoice Factoring (Sell Receivables for Immediate Cash)

Invoice factoring converts your B2B invoices into immediate cash by selling them to a factoring company at a discount. Unlike a loan, you're selling an asset (the invoice payment right).

How It Works:

1. You complete work and invoice customer for $100,000 (Net 30 terms)
2. Factoring company advances 80-90% immediately ($80,000-$90,000)
3. Customer pays factoring company the full $100,000 in 30 days
4. Factoring company remits remaining balance minus fees

Current Factoring Rates (October 2025):

• Factoring fees: 1-5% of invoice value
• Advance rate: 70-90% upfront
• Additional fees: Application fees ($0-$500), monthly minimums, wire fees

Real Cost Example:

• Invoice: $100,000
• Advance rate: 85% ($85,000 immediate)
• Factoring fee: 3% flat ($3,000)
• Net advance: $82,000 upfront
• Remaining: $15,000 when customer pays

True Cost Analysis: That 3% over 30 days = approximately 36% APR equivalent if you annualize it. But here's what accountants miss: factoring isn't a loan—it's converting an asset from one form (invoice) to another (cash). The 3% is what you're paying to have cash today instead of in 30-60 days.

When Factoring Makes Strategic Sense:

• You're in construction, trucking, staffing, or manufacturing with long payment terms (60-90 days)
• You need to make payroll or buy materials before customer payments arrive
• Your customers have good credit (their credit matters more than yours)
• You're growing fast and need working capital to fulfill new orders

Factoring vs. Bank Line Reality Check: You'd prefer a bank line at 10% APR over factoring at 36% APR equivalent, but the bank says "come back when you have 2 years in business and 700 credit." Factoring says "you have invoices from creditworthy customers? Funded tomorrow."

That's the trade-off: speed and accessibility vs. cost.

Industry-Specific Factoring Rates:

• Construction/Manufacturing: 1.5-3.5%
• Trucking/Transportation: 2-5% (higher due to carrier risk)
• Staffing: 2-4%
• Healthcare: 3-6% (higher due to insurance payment complexity)

Recourse vs. Non-Recourse Factoring:

• Recourse: If customer doesn't pay, you're responsible (lower fees, 1-3%)
• Non-recourse: Factoring company absorbs non-payment risk (higher fees, 3-6%)

Think of it like insurance—who's buying the risk protection?

Microloans (Smaller Amounts for Specific Purposes)

Microloans are small business loans typically under $50,000, offered by nonprofit lenders, CDFIs (Community Development Financial Institutions), and SBA microloan program.

Typical Terms:

• Amounts: $500 - $50,000
• Rates: 8-13%
• Terms: 6 months - 6 years
• Purpose: Working capital, inventory, equipment, supplies

Who Uses Microloans: Startups, minority-owned businesses, businesses in underserved communities, companies needing smaller amounts that don't justify larger loan paperwork.

Trade Credit (Supplier Financing)

Often overlooked, trade credit is when suppliers allow you to buy now and pay in 30-90 days. This is free financing if you pay within terms, or expensive if you miss payment deadlines (late fees typically 1.5-3% per month).

Strategic Play: Negotiate extended payment terms (Net 60 instead of Net 30) with suppliers to match your cash conversion cycle. If you sell inventory in 45 days but pay suppliers in 30 days, you have a 15-day working capital gap. Extending supplier terms to Net 60 eliminates that gap—essentially free financing.

Equity Financing: Sell Ownership Stake

Equity financing means you're selling a percentage of your company in exchange for capital. No debt payments, no interest, no fixed repayment schedule—but you're giving up ownership, profit sharing, and potentially decision-making control.

Investment Rounds (Startup & Growth Capital)

Angel Investors (Early-Stage / Seed Funding)

Angel investors are high-net-worth individuals who invest their personal money in early-stage companies. They typically invest $25K-$500K in exchange for 10-25% equity.

Typical Deal Structure:

• Investment: $100,000
• Equity given: 15%
• Valuation: ~$650K post-money
• Terms: Convertible note or preferred stock with investor protections

Translation: That $100K costs you zero monthly payments, but if you sell the company for $5 million in 5 years, the angel gets $750K (15%) of that exit.

When Angels Make Sense: You're a startup with a compelling idea, some early traction, and need capital to build the product and prove the market. You're pre-revenue or early revenue, and no bank will touch you. The angel brings not just money but mentorship, connections, and credibility.

The Trade-Off: You're betting that the business will grow 10-50x with the angel's capital, making their 15% stake worthwhile. If you bootstrap and grow slower, you keep 100%—but perhaps never reach the same scale.

Venture Capital (High-Growth Focus)

Venture capital firms invest institutional money (from LPs—limited partners) into high-growth startups in exchange for equity. They're looking for companies that can 10x-100x their investment in 5-10 years.

Typical VC Deal:

• Series A: $2-15M for 20-35% equity
• Series B: $10-50M for 15-25% equity (later stage)
• Expected return: 10x+ in 5-10 years

Industries VCs Target:

• Software/SaaS
• Biotechnology
• Fintech
• Marketplace platforms
• Deep tech / AI

What VCs Bring Beyond Capital:

• Strategic guidance and board representation
• Network effects (customer introductions, partnerships)
• Follow-on funding in subsequent rounds
• Credibility that attracts talent and customers

The Reality Check: VCs fund less than 1% of businesses because most businesses don't fit the "grow extremely fast to billion-dollar valuations" model. If you're building a solid $10M/year regional business, VC doesn't fit—they need potential $100M+ exits.

Private Equity (Mature Companies)

Private equity firms buy controlling stakes (typically 51-100%) in established, profitable businesses. They're not funding startups—they're buying proven operations with $2M-$50M+ EBITDA and optimizing them for sale or dividend returns.

Typical PE Deal:

• Company size: $5M+ EBITDA
• Deal value: $25M - $500M+
• Structure: Leveraged buyout (PE uses debt + equity)
• Hold period: 3-7 years
• PE return target: 2-3x multiple

When PE Is Relevant: You're a founder looking to exit partially or fully, you want institutional backing to accelerate growth, or you need capital for add-on acquisitions. PE is an exit strategy more than a financing strategy.

Alternative Equity & Hybrid Sources

Crowdfunding (Many Small Investors)

Equity crowdfunding platforms (like Republic, StartEngine, Wefunder) allow businesses to raise capital from hundreds or thousands of small investors, each contributing $100-$10,000+.

Two Types:

• Rewards-Based: Kickstarter, Indiegogo—backers get products/perks, not equity
• Equity Crowdfunding: Investors get actual shares in your company

Typical Terms:

• Raise amount: $50K - $5M
• Platform fees: 5-7% of funds raised
• Equity given: 10-25% typically
• Investor count: 50-5,000+ small shareholders

Strategic Fit: Consumer products, innovative concepts, businesses with compelling stories that attract community support. Crowdfunding also serves as market validation—if 1,000 people invest $500 each, you've proven demand.

The Catch: Managing hundreds of small shareholders creates legal and administrative overhead. You'll need ongoing investor communications, compliance with securities regulations, and cap table complexity.

Revenue-Based Financing (Emerging Alternative)

Revenue-based financing (RBF) is a hybrid between debt and equity. You receive upfront capital and repay it as a percentage of monthly revenue until you've repaid a predetermined multiple (typically 1.3-2.5x).

How It Works:

• You receive: $500,000
• Repayment multiple: 1.5x ($750,000 total repayment)
• Payment: 5% of gross monthly revenue until $750K is repaid
• Timeline: Typically 3-5 years (depends on revenue growth)

Example Scenario:

• Monthly revenue: $200,000
• Monthly payment: $10,000 (5% of revenue)
• Repayment timeline: 75 months ($750K ÷ $10K) if revenue stays flat

But here's the strategic advantage: if revenue dips to $100K one month, your payment drops to $5,000. If revenue grows to $400K, payment increases to $20,000 and you pay off faster.

When RBF Makes Sense:

• You're a SaaS company with recurring revenue
• You're profitable but reinvesting heavily in growth
• You don't want to dilute equity but can't service fixed debt payments
• Your revenue is growing but lumpy

Washington State Validation: Washington State launched a $13M Revenue-Based Financing Fund in May 2025, showing government validation of this alternative product for small businesses.

Other Funding Sources: Grants, Personal Capital & Public Markets

Business Grants (Non-Dilutive)

Grants are free money—no repayment, no equity given. But they're highly competitive and usually restricted to specific purposes (R&D, minority-owned businesses, specific industries).

Common Grant Sources:

• SBA grants for specific populations
• State economic development grants
• Federal SBIR/STTR grants (Small Business Innovation Research)
• Corporate grants and competitions

Reality Check: Grant application processes can take 3-12 months, success rates are 5-20%, and you typically need to match the grant with your own capital. Grants are supplemental funding, not primary financing.

Personal Savings (Self-Funded / Bootstrapping)

Using your own money—from savings, retirement accounts (401k loans), home equity, or personal credit cards—to fund your business.

Pros:

• No applications, no approval required
• 100% control and ownership
• No interest payments to third parties

Cons:

• Significant personal financial risk
• Limited by your personal capital
• Delays retirement savings or creates personal debt

Strategic Use: Bootstrap the initial proof-of-concept, then raise external capital once you've proven the model. Mixing personal capital (20-30%) with external financing (70-80%) shows lenders/investors you have "skin in the game."

IPO (Initial Public Offering)

Taking your company public by listing on a stock exchange (NASDAQ, NYSE) and selling shares to public investors.

Reality: IPOs are for large, established companies ($50M+ revenue, $500M+ valuation). The average business owner will never pursue an IPO—this is relevant for late-stage, high-growth companies. But it's the ultimate liquidity event for founders and early investors.

Decision Framework: Choosing the Right Financing for Your Situation

Here's how growth-minded operators actually choose between these options:

Step 1: Assess Your Business Stage

• Startup (0-2 years, proving concept): Personal savings + angel investors + SBA microloans
• Growth Stage (2-5 years, scaling): Bank lines, equipment financing, possibly VC if high-growth trajectory
• Established (5+ years, profitable): Bank term loans, SBA loans, asset-based lending, PE if seeking exit

Step 2: Evaluate Your Credit & Financial Profile

• Excellent credit (720+), 2+ years, profitable: Banks, SBA, best rates on everything
• Good credit (660-720), 1-2 years: Online lenders, SBA, factoring, equipment financing
• Fair credit (600-660), newer business: Factoring, equipment financing, alternative lenders, angel investors
• Poor credit (<600), limited history: Factoring (customer credit matters more), angel investors, microloans, merchant cash advance (use sparingly)

Step 3: Match Financing to Purpose

• Equipment purchase: Equipment financing (capture Section 179 tax benefits in 2025)
• Real estate purchase: SBA 504 loan or commercial mortgage
• Working capital / cash flow gaps: Line of credit (best) or invoice factoring (if you don't qualify for line)
• Inventory/seasonal needs: Line of credit or trade credit with suppliers
• High-growth scaling: Venture capital or revenue-based financing
• Emergency / immediate need: Factoring (24-48 hours) or merchant cash advance (last resort)

Step 4: Calculate True Cost & ROI Don't just compare interest rates—compare total cost of capital including all fees, and evaluate whether the financing enables ROI that justifies the cost.

Example Decision: You need $200K for inventory to fulfill a $400K contract (100% markup).

• Bank line at 10% APR = $5,000 interest over 6 months
• Invoice factoring at 3% = $6,000 fee
• Merchant cash advance at 1.25 factor = $50,000 cost

All three get you the capital, but the bank line saves $45K compared to MCA. However, if bank denies you and factoring approves in 24 hours, that $1,000 extra cost (vs. bank line) is worth capturing a $200K gross profit opportunity.

Strategic principle: Choose the most affordable financing you can actually qualify for that meets your timeline.

Bottom Line: The Strategic Financing Play for October 2025

The operators who scale fastest understand that financing isn't about finding the cheapest money—it's about matching the right capital source to your specific business stage, purpose, and timeline.

For established businesses (2+ years, 680+ credit):

• Traditional bank loans and SBA programs offer the lowest rates—use them for predictable investments with clear ROI
• October 2025 is prime time for equipment financing with Section 179 doubled to $2.5M and 100% bonus depreciation creating unprecedented tax benefits

For growth-stage businesses (1-2 years, proven revenue):

• Equipment financing and invoice factoring provide capital without the 2-year credit history traditional banks require
• If you're scaling fast with recurring revenue, revenue-based financing offers flexibility without equity dilution

For startups and newer businesses:

• Mix personal capital (20-30%) with angel investors or microloans to prove the concept
• Invoice factoring works if you're B2B with creditworthy customers—your credit matters less than theirs
• Avoid merchant cash advances unless it's genuinely time-critical (equipment breakdown during peak season, capturing a contract that requires immediate capital)

For businesses seeking major growth capital:

• If you fit the VC profile (tech, high-growth, 10x+ potential), pursue equity financing—the dilution is worth the rocket fuel
• If you're building a solid regional business, stick with debt financing and maintain ownership

The financing landscape is more diverse than ever in 2025—from AI-powered lending decisions that approve in minutes to embedded finance in the platforms you already use. The businesses that win are the ones that understand which tool to use, when, and why.

Ready to discuss your specific financing needs with specialists who understand alternative lending? With almost 2 decades under their belt and hundreds of 5 star reviews with an A+ from the Better Business Bureau, we partner with Advance Funds Network to provide financing that helps businesses truly scale, FAST. If you're a growth-minded operator and want to gain the means to do what matters: Get Started Today

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Sources:

• NerdWallet. "Average Business Loan Interest Rates: October 2025." Accessed October 2025.
• Federal Reserve Bank of Kansas City. "Small Business Lending Survey - Q2 2025." Accessed August 2025.
• U.S. Small Business Administration. "SBA Loan Programs and Rates." Accessed October 2025.
• Bankrate. "Small Business Loan Rates 2025." Accessed October 2025.
• LendingTree. "Average Business Loan Rates for 2025." Accessed May 2025.
• eCapital. "Invoice Factoring Rates and Costs [Updated for 2025]." Accessed March 2025.