Capital Solutions for Every Business Need
Whether you're launching a startup, expanding operations, purchasing equipment, or managing cash flow, access to business funding is essential for growth. USA Capital Funding connects businesses with small business loans and financing solutions they need to succeed—from traditional bank loans and SBA loans to fast business loans and alternative funding options.
Finding the right capital partner means understanding your options, comparing terms, and choosing working capital solutions that align with your business goals. Explore diverse financing options available to American businesses across all industries and stages of growth, including unsecured business loans for those without collateral and equipment financing for asset purchases.
Small Business Loans
Traditional term loans, SBA loans, and business lines of credit for working capital and expansion.
Equipment Financing
Specialized equipment financing for machinery, vehicles, technology, and business equipment purchases.
Real Estate Financing
Commercial mortgages, property loans, and investment financing for real estate ventures.
Invoice Financing
Fast business loans leveraging outstanding invoices and receivables for immediate cash flow.
Merchant Cash Advance
Quick business funding based on future credit card sales for immediate capital needs.
Startup Business Loans
Unsecured business loans, venture capital, and startup funding for new and early-stage companies.
Working capital fuels expansion, enables innovation, and provides the financial flexibility to seize opportunities. Whether you need small business loans of $10,000 or fast business loans of $10 million, choosing the right funding structure—including SBA loans, business lines of credit, or unsecured business loans—and the right lending partner can make the difference between stagnation and exponential growth. Equipment financing and startup business loans provide specialized solutions for specific needs.
Find Your Capital Solution
Compare lenders, explore financing options, and connect with capital providers.
Choosing the Right Funding Partner
Not all capital is created equal. The right funding solution depends on your business stage, credit profile, collateral, and growth plans. Consider these factors when evaluating financing options:
Compare APRs, repayment schedules, and total cost of capital across different lenders.
Traditional banks may take weeks, while alternative lenders can fund in days.
Understand minimum credit scores, revenue thresholds, and time-in-business criteria.
Some loans require assets as security; others are unsecured based on cash flow.
Look for options with no prepayment penalties and flexible payment schedules.
Research reviews, BBB ratings, and industry standing before committing.
The best capital partners don't just provide funding—they understand your business, offer transparent terms, and support your long-term success. Take time to compare options, read fine print, and choose financing that propels your business forward without creating unsustainable debt.
Frequently Asked Questions About Business Funding
What types of small business loans are available?
Small business loans come in many forms including SBA loans (7(a), 504, microloans), traditional term loans, business lines of credit, equipment financing, commercial real estate loans, invoice factoring, merchant cash advances, and unsecured business loans. Each type serves different purposes—SBA loans offer low rates and long terms for qualified businesses, while fast business loans from alternative lenders can fund in 24-48 hours for urgent needs. Working capital loans help with day-to-day operations, and startup business loans support new ventures without extensive operating history.
How much business funding can I qualify for?
Loan amounts vary dramatically by type and lender. SBA loans can reach $5 million, equipment financing typically covers 80-100% of equipment cost ($10,000-$5M+), business lines of credit range from $10,000 to $500,000+, and merchant cash advances usually cap at $250,000-500,000. Your qualification depends on revenue, credit score, time in business, cash flow, collateral, and loan purpose. Most lenders want to see 12+ months in business, though some startup business loans are available with strong personal credit and solid business plans.
What credit score do I need for business funding?
Credit requirements vary significantly by funding type. Traditional banks typically require 680+ personal credit scores, SBA loans prefer 640-680+, while alternative lenders offering fast business loans may work with scores as low as 500-600. Unsecured business loans usually demand higher credit (680+) since there's no collateral. Strong business financials, consistent revenue, and available collateral can sometimes offset lower credit scores. Business lines of credit typically require 670+ scores for favorable terms.
How quickly can I get fast business loans?
Funding timelines vary by lender and loan type. Online alternative lenders offering fast business loans can fund within 24-48 hours with streamlined applications. Traditional bank loans take 2-4 weeks, SBA loans require 60-90 days due to government processing, equipment financing typically closes in 3-10 days, and merchant cash advances can fund in 1-3 business days. Business lines of credit take 1-2 weeks to establish but provide instant access once approved. Having complete documentation ready—tax returns, bank statements, financial statements—significantly accelerates any funding process.
Do I need collateral for small business loans?
Collateral requirements depend on loan type and amount. SBA loans and traditional bank loans often require collateral for amounts over $25,000-50,000. Equipment financing uses the equipment itself as collateral. Unsecured business loans are available without collateral but typically require strong credit (680+), solid revenue, and come with higher interest rates. Business lines of credit under $100,000 may be unsecured for well-qualified borrowers. Real estate financing always requires property as collateral. Alternative lenders may accept inventory, receivables, or future revenue as alternative collateral forms.
What's the difference between working capital and equipment financing?
Working capital loans provide flexible funding for day-to-day business operations like payroll, inventory, rent, and seasonal expenses. They're typically shorter-term (6 months to 3 years) with faster approval. Equipment financing specifically funds machinery, vehicles, computers, or other business equipment purchases. The equipment serves as collateral, often enabling 100% financing with longer terms (3-7 years) and lower rates. Working capital keeps operations running smoothly, while equipment financing supports growth through asset acquisition without depleting cash reserves.
Are startup business loans available for new companies?
Yes, though options are more limited than for established businesses. Startup business loans include SBA microloans (up to $50,000), online lenders offering startup-friendly terms, business credit cards, personal loans for business use, and equipment financing for specific purchases. Many startup business loans rely heavily on personal credit (typically 680+ required) since business financial history doesn't exist. Venture capital and angel investment provide alternatives for high-growth startups. Most traditional lenders want 2+ years in business, so startups often need alternative funding sources or must personally guarantee loans.
How do business lines of credit work?
A business line of credit functions like a credit card—you're approved for a maximum amount ($10,000-$500,000+) and can draw funds as needed, paying interest only on what you use. Once you repay, that credit becomes available again. Business lines of credit are ideal for managing cash flow gaps, covering unexpected expenses, or taking advantage of time-sensitive opportunities. Terms typically run 12-24 months with renewal options. Rates vary based on creditworthiness (commonly 8-30% APR), and many have annual fees. They provide flexible working capital without requiring new loan applications each time you need funds.
What documents do I need to apply for business funding?
Most lenders require: business tax returns (2-3 years), personal tax returns, recent bank statements (3-6 months), profit and loss statements, balance sheet, business plan (especially for startup business loans), legal formation documents (LLC/Corporation), business licenses, and proof of ownership. SBA loans need additional documentation including personal financial statements and collateral details. Equipment financing requires quotes/invoices for equipment. Fast business loans from online lenders often have streamlined documentation (may only need bank statements). Having organized, complete documentation before applying significantly speeds approval and demonstrates professionalism to lenders.
Should I get a merchant cash advance or traditional business loan?
Merchant cash advances provide very fast business loans (1-3 days) with minimal documentation, making them ideal for urgent needs or businesses with credit challenges. However, they're expensive (factor rates of 1.2-1.5 translate to 40-80%+ APR) and take daily/weekly payments from credit card sales. Traditional small business loans offer much lower rates (6-30% APR), longer terms, and predictable monthly payments, but require better credit and take longer to fund. Choose merchant cash advances only for short-term urgent needs when you can't qualify for better financing. For planned expenses or larger amounts, traditional business funding almost always costs less long-term.