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Business loans
Capital to grow your business, without giving up equity
Term loans, lines of credit, equipment financing and working-capital funding — compare offers built around your revenue and time in business, with decisions in days, not weeks.
- Term loans, lines of credit and equipment financing
- Options across a range of credit profiles and time in business
- Compare multiple offers in one place
- Funding in as fast as a few days
- Multiple funding types
- Compare offers side by side
What you get
One place, every way to fund your business
Business financing isn't one-size-fits-all. Match the funding type to the job — here are the products you can compare.
Term loans
Take a lump sum up front and repay it over a set term with predictable payments — built for a specific, one-off investment.
Business lines of credit
Draw funds as you need them up to a set limit, repay, and reuse — you only pay interest on what you actually use.
Equipment financing
Finance machinery, vehicles or technology, where the equipment itself usually serves as collateral — so you preserve cash for daily operations.
Working-capital loans
Cover everyday running costs like payroll, rent and supplies, and smooth out seasonal or slow-paying-invoice cash-flow gaps without draining reserves.
Inventory & hiring
Stock up ahead of a busy season or bring on the staff you need to take on more customers and larger orders.
Growth & marketing
Open a new location, launch a marketing push or invest in expansion — fund the next stage of growth on manageable terms.
Why borrow with us
Why businesses borrow this way
Flexible funding types
Match the product to the need — a revolving line for cash flow, or a term loan for a big, planned investment.
Fast decisions and funding
Online lenders can decide in hours and fund in days, far quicker than the weeks a traditional bank loan can take.
Keep full ownership
Financing is debt, not equity, so you keep full ownership of your company and answer to no new investors or shareholders.
Build business credit
Borrowing and repaying on time helps establish a business credit profile, which can unlock better terms as your company grows.
How it works
From application to funded in four steps
Tell us about your business
Share the basics — how long you've been trading, your annual revenue and what you need the funding for. It takes only minutes.
Compare your offers
Review the funding types and offers you may qualify for side by side, weighing amounts, terms and repayment schedules to find the right fit.
Submit your documents
Provide the paperwork your chosen lender asks for, typically recent bank statements and basic business details, to verify and finalise your application.
Get funded
Once approved, funds are deposited into your business account — often within a few business days, sometimes sooner, depending on the lender.
Good to know
What shapes your business loan offer
Business lenders look beyond a single credit score. These are the factors that most influence the rates and amounts you're offered.
- Time in business
- Lenders favour a longer track record. More months or years of trading generally widens your options and lowers your rate.
- Annual revenue & cash flow
- Steady, healthy revenue reassures lenders you can cover repayments, and often determines how much funding you can access.
- Personal & business credit
- Both your personal score and any business credit history are weighed, especially for younger companies without a long financial record.
- Requested amount & term
- Larger sums and longer repayment periods lower the monthly payment but increase total interest, and may call for more documentation.
- Collateral (secured vs unsecured)
- Pledging assets can secure a lower rate or larger amount; unsecured funding is faster but is usually priced higher to offset risk.
Business Loan, without the guesswork
Compare real, personalised offers in one place and move forward with confidence — no pressure, no surprises, and no impact to your credit just to look.
Questions
Business Loan FAQs
Requirements vary by lender and product, but most look at your time in business, annual revenue and credit. Many online lenders work with businesses that have at least six months to a year of trading and steady monthly revenue.
Some online lenders make a decision within hours and deposit funds in as little as one to three business days, while traditional bank loans usually take longer. Timing always depends on the lender and how quickly you supply documents.
A term loan gives you a lump sum you repay over a fixed period — best for a specific, planned expense. A line of credit is revolving: you draw what you need up to a limit, repay, and reuse it, which suits ongoing or unpredictable costs.
Not always. Many working-capital loans and lines of credit are unsecured, while equipment financing typically uses the equipment itself as collateral. Secured options may offer lower rates but often ask you to pledge business assets.
It can. Lenders often check your personal credit and ask for a personal guarantee, particularly for newer businesses. A formal application may involve a hard inquiry, so review each lender's terms before you proceed.
Sometimes, though the options are more limited. Newer businesses may lean on equipment financing, a personal guarantee or stronger personal credit, and can expect higher rates until they build a longer track record and revenue history.
See what your business qualifies for
Tell us a little about your business and compare funding offers matched to your revenue and goals — in minutes, with no obligation to accept.
AltFTool is not a lender and does not make credit decisions. Funding products, rates, terms, amounts and approval are set by the lender based on your business and creditworthiness, and are not guaranteed. Applying with a lender may involve a hard credit inquiry and a personal guarantee.