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New: same-day funding decisions on lines of credit up to $500K | Learn more
FundLine Capital

Funding That Moves as Fast as You Do.

No hidden fees. No impact to your credit score to apply. One application, real offers from a network of lenders.

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24 hrsfastest time to funding
4.8★average business owner rating
75+lenders in our network
$1.2B+matched to small businesses
12K+businesses funded
15 minto complete an application
$5K–$5Mfunding range

See what 1,000+ business owners
have to say.

Samuel KAsheville, NC

Derek at FundLine Capital really helped me out. He took the time to get what my business needed, and it felt personal, not just like another deal.

Linda FBoulder, CO

I worked with Jack from FundLine, and he was great. He really listened to what we needed and gave us solid advice. You can tell he cares.

Rajesh PMadison, WI

FundLine's been awesome for my business. Derek gave me practical advice, and I felt he really got what we were about.

Maria GTucson, AZ

Three offers in two days and a specialist who explained every line. We picked a term loan and had the money before our supplier's deadline.

Tom BDuluth, MN

I expected a runaround like at the bank. Instead one application, a quick call with Priya, and a line of credit that actually fits our slow months.

Aisha RSavannah, GA

The bank statement upload took five minutes. No credit hit to apply, and the offers were laid out side by side so I could compare real APRs.

Kevin LSpokane, WA

We financed two trucks through FundLine. The lender they matched us with understood freight, and the paperwork was done in a week.

Dana WBurlington, VT

Jack checked in after funding just to see how the expansion was going. That kind of follow-through is why we'll use FundLine again.

Read customer stories

Funding designed around your business’s journey

From your first invoice to your next expansion, we’ve built funding packages for every phase.

Just Starting

Working capital for your first hires and first customers

Products included in this package:

StartupCredit CardEquipmentLine of Credit
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Growing

Capital to add locations, inventory, and people

Products included in this package:

Term LoanLine of CreditSBA 7(a)EquipmentInvoiceCredit Card
Apply now

Established

Bigger limits for property, acquisitions, and scale

Products included in this package:

Term LoanLine of CreditSBA 7(a)EquipmentInvoiceCredit CardReal Estate
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Custom Package

Know exactly what you need?

Pick the products that fit your business best

Term LoanLine of CreditSBA 7(a)EquipmentReal EstateInvoiceCredit CardStartup+
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Click anyProductto see how it works

How our process works

One application, a specialist who knows your industry, and real offers you can compare before you sign anything.

  1. 01

    Apply in 15 minutes

    One short application, no impact to your credit score.

  2. 02

    We shop your file

    Your specialist takes it to the lenders that fit.

  3. 03

    Compare real offers

    See rate, term and total cost side by side.

  4. 04

    Funded in 24 hours

    Accept the offer that fits and the money lands.

Apply in just 15 minutes
with a funding specialist.

One short application, with no impact to your credit score. Your specialist takes it to the lenders that fit your business and brings back real offers you can compare side by side.

  • About 15 minutes
  • Soft inquiry only
  • Offers from the lenders we work with
  • A specialist calls you back
Apply now

Explore our loan products

Don’t over-borrow for the future or under-fund the now. Mix and match products as you grow, from first hire to fifth location.

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Estimated rates, before you apply.

Typical starting points across the lenders we work with, so you know roughly where you stand before you spend fifteen minutes on an application.

  • Term loan
    Typical starting rate
    Fixed APR from 7.99%
    Term
    6 – 60 months
    Speed to fund
    1 – 3 days
  • Business line of credit
    Typical starting rate
    Variable APR from 9.5%
    Term
    6 – 24 month revolving
    Speed to fund
    Same day – 2 days
  • SBA 7(a) loan
    Typical starting rate
    Prime + 2.25% – 4.75%
    Term
    Up to 10 years (25 for real estate)
    Speed to fund
    3 – 8 weeks
  • Equipment financing
    Typical starting rate
    Fixed APR from 6.5%
    Term
    2 – 7 years
    Speed to fund
    2 – 5 days
  • Invoice financing
    Typical starting rate
    1% – 3% per 30 days
    Term
    30 – 120 days
    Speed to fund
    1 – 2 days

Illustrative only. FundLine Capital is a commercial loan broker, not a lender: your rate, term and payment are set by the lender whose offer you accept and are shown in that lender's disclosure before you sign anything.

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Compare every loan type

Straight answers on small business funding.

How lenders decide, what financing really costs, and how to get to a yes faster — written by the FundLine team for business owners.

Read the blog

Questions, answered

No. FundLine Capital is a small business funding brokerage. We work with more than 75 lenders and funders to give you more options from a single application, but we do not make loans directly. See how it works.
Most business owners complete the FundLine application in about 15 minutes and see offers within a few days. Once you accept an offer, many lenders can fund in as little as 24 hours. No branch visits, no waiting on email threads, no phone calls unless you want one.
It depends on your stage. Newer businesses usually start with a line of credit, a business credit card, or equipment financing. Growing companies add term loans and invoice financing. Established businesses reach for SBA loans and real estate financing. You can also build a custom package if you already know what you need.
Filling out an application and submitting it to our lender network does not impact your personal credit score. Depending on the product and lender, accepting a funding offer may involve a hard credit inquiry, which the lender will disclose before you proceed.
One application, shopped by a broker who knows the lenders: you compare real offers instead of waiting weeks for one answer. Read more about working with a funding broker vs. banks. No juggling three applications, no waiting for callbacks, no explaining your business five different times.
Not necessarily. Lenders look at time in business, monthly revenue, credit history, and industry. Many programs fund businesses that are still investing in growth. Getting your numbers in order early with FundLine makes the strongest case.
You get a direct line to your FundLine funding specialist and the lender’s closing team: no phone trees, no 48-hour callbacks. We walk through the agreement, handle documentation, and keep you updated until the money is in your account.

Can’t find an answer to your question? Get in touch