For businesses already running

You know what 2am feels like when payroll is Friday.

Most owners don't know what funding they can actually get — or that a bridge loan, invoice factoring, or a line of credit might be sitting right there. Answer a few questions and see which options fit your business.

Most businesses qualify on one of three paths

$25k+/mo revenue 6+ months operating 500+ FICO
or $15k+/mo revenue
or Large outstanding invoices — receivables can qualify you when revenue alone doesn't

Below these? There are still options. The tool will tell you which.

See what you qualify for

Three questions. No credit check. No cost to you.

See my options

Encrypted. Shared only with the partner who works your file.

Invoice factoring Bridge & short-term loans Lines of credit Working capital Equipment financing SBA loans 0% business credit
Why we exist

You can't choose an option you don't know exists.

There's a business card offering 0% for a year. An SBA loan that reads like a mortgage for your company. Working capital that lands in three days. Invoice factoring that turns money you've already earned into money you can spend this week.

Nobody hands you the map. Most owners take the first offer they're shown, because it's the only one they know about — and it's usually the one that pays the broker most.

The gap between a hard month and a closed door is often just information.

We're business owners ourselves. Between us we've raised capital through most of the tools on this site — SBA, working capital, lines of credit, factoring, and yes, cash advances. Some of it was the smartest money any of us ever took. Some of it we'd undo. The difference was never the product. It was whether it fit the situation.

The options

Know what's out there before anyone pitches you.

Seven ways established businesses raise money, what each one is actually for, and who it fits.

Invoice factoring

Turn unpaid invoices into cash now. Often available when revenue-based options aren't, because your customer's credit does the qualifying.

  • 3+ mo
  • B2B only
  • Credit flexible
How factoring works →

Bridge & short-term loans

A fixed amount covering a defined gap. Works when you know what's coming and when the money comes back.

  • 6+ mo
  • $15k+/mo
  • 550+ FICO
When a bridge makes sense →

Line of credit

Draw what you need, repay, draw again. You pay only for what you use — standing insurance against a slow month.

  • 12+ mo
  • $25k+/mo
  • 600+ FICO
Lines of credit explained →

Working capital advance

The fastest money available, and the most expensive. Right for short, fast-turning needs. Wrong as a patch for shrinking revenue.

  • 6+ mo
  • $15k+/mo
  • 500+ FICO
The honest breakdown →

Equipment financing

The asset is its own collateral, which makes approval easier than an unsecured loan. Titled equipment gets the best terms.

  • 6+ mo
  • $15k+/mo
  • 575+ FICO
How it works →

SBA loans

The cheapest money most established businesses can get. The trade-off is paperwork and a 30–90 day close.

  • 2+ yr
  • 680+ FICO
  • ~9–11.5% APR
Is SBA worth the paperwork? →

See all funding options, side by side →

How it works

We're the front end, not the fine print.

Fund Match Pros isn't a lender. We help you understand which options exist and what they require, then connect you with a funding partner if you want to move forward.

Tell us about your business

Revenue, time operating, what the money is for. Two minutes, no credit check.

See what fits

Which options are realistically open to you, and the criteria behind each one.

You decide

If you want to move forward, we'll connect you with a funding partner. No obligation.

Slot — add when real

Funded amounts. Once you've closed deals, "$X placed across Y businesses" sits here. Leave empty until the numbers are true.

Slot — add when real

Testimonials. Two or three named owners with industry and state. Placeholder text here would undermine everything above it.

Start here

Find out what's actually available to you.

Four questions. You'll see which funding options fit your business and why — whether you move forward or not.