Our services
Funding, shaped to fit.
Six ways to put capital to work in your business. Each one suits a different goal, a different revenue pattern and a different timeline — here is how to tell them apart.
Business Term Loans
A business term loan gives you a lump sum of capital upfront that you repay in fixed installments over a set period, at a fixed rate.
- Amount
- Typically $10,000 to $500,000, sized to the purchase or project you're funding
- Term
- Typically 3 months to 5 years, fixed and set at closing
- Speed
- Funding in as little as 24 hours after approval
- Best for
- One-time, defined expenses like equipment, renovation, or expansion
Business Line of Credit
A business line of credit gives you a revolving credit limit you can draw from as needed, repaying and redrawing while paying interest only on the balance you use.
- Amount
- Typically $5,000 to $250,000 in available credit
- Term
- Revolving, draw, repay, and redraw as needed
- Speed
- Funding in as little as 24 hours after approval
- Best for
- Ongoing or unpredictable cash-flow needs, not one-time purchases
Merchant Cash Advance
A merchant cash advance provides a lump sum of capital upfront in exchange for a fixed percentage of your future daily credit and debit card sales until it's repaid.
- Amount
- Typically $5,000 to $250,000 based on monthly card sales volume
- Term
- Typically 3 to 18 months, though repayment speed depends on sales
- Speed
- Funding in as little as 24 hours after approval
- Best for
- Businesses with strong daily card sales and a short-term capital need
Collateralized Business Loans
A collateralized business loan uses an asset you own, such as equipment, property, or inventory, as security, which can help you qualify for a lower rate than an unsecured loan.
- Amount
- Tied to the appraised value of the equipment, property, or inventory you pledge
- Term
- Structured around the useful life or resale value of the asset securing the loan
- Speed
- Funding in as little as 24 hours once your collateral is verified
- Best for
- Business owners with equity in equipment, property, or inventory who want lower rates
Invoice Factoring
Invoice factoring lets you sell unpaid customer invoices to TrustFi for an upfront advance, so you get paid now instead of waiting on your customers' payment terms.
- Amount
- Scales with the volume and value of the invoices you factor
- Term
- Tied to each invoice's own payment terms, not a fixed loan schedule
- Speed
- Advances often released within a day or two of invoice approval
- Best for
- B2B businesses with slow-paying customers and strong outstanding receivables
SBA Loans
SBA loans are small-business loans partially guaranteed by the U.S. Small Business Administration, which typically means lower rates and longer repayment terms in exchange for a more thorough application.
- Amount
- Sized to support major investments like real estate, equipment, or expansion
- Term
- Longer repayment terms than most conventional business loan products
- Speed
- A more thorough process than other products, given SBA documentation requirements
- Best for
- Established businesses that can support a documentation-heavy application for better long-term terms
Amounts, terms and speeds shown are typical ranges for illustration. Actual offers depend on underwriting, your business profile and the funding partner, and are never guaranteed in advance.
By situation
Start from where your business stands
Weak credit or nothing to pledge narrows the list, but it rarely empties it. These guides show which of the options above still fit.
Bad Credit Business Loans
Bad credit business loans are funding options for owners with imperfect credit, typically underwritten on revenue, unpaid invoices or collateral rather than a personal credit score alone.
Read the guideUnsecured Business Loans
Unsecured business loans provide funding without pledging a specific asset as collateral, with approval typically based on revenue, time in business and cash flow instead.
Read the guide
Questions
Choosing between funding options
How owners decide which structure fits — and what it costs to find out.
Still unsure? Talk to a specialist.
Which type of business funding is right for me?
It depends on what you need the money for and how your revenue arrives. One-off investments suit term loans; uneven cash flow suits a line of credit; card-heavy revenue suits a merchant cash advance; unpaid invoices suit factoring. A specialist will map your situation to the right structure before you commit to anything.
Can I combine more than one funding product?
Often, yes. Many businesses pair a term loan for a large purchase with a line of credit kept in reserve for timing gaps. What is possible depends on your existing obligations and how your total debt service compares to revenue. Your specialist will tell you honestly whether stacking makes sense.
How is TrustFi different from my bank?
Banks apply one rigid credit box and often take weeks to decide. TrustFi works with a network of funding partners, weighs your actual revenue and trajectory rather than credit score alone, and returns decisions in as little as 24 hours. We are a financing provider, not a bank.
Are there fees to apply?
No. Applying is free, carries no obligation, and does not impact your credit score. You only pay anything if you accept a specific funding offer, and every cost is disclosed in writing before you sign. We do not charge application, consultation or brokerage fees to look at your file.
What if my credit is not perfect?
Imperfect credit does not automatically disqualify you. Products like merchant cash advances and invoice factoring weigh your revenue and your customers more heavily than your personal score. Businesses declined by banks are a routine part of our work, and we will tell you plainly what is realistic.
How long does the whole process take?
Applying takes under 10 minutes. A specialist responds within two hours during business hours, and most decisions land within 24 hours once your bank statements are in. Funds can reach your account in as little as one business day after you accept. SBA products take considerably longer.
Not sure which one you need?
Tell us about your business and a specialist will point you to the option that actually fits — even if that means recommending less than you asked for.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees