--- title: "Small Business Loans & Funding Up to $5M | FundBetter" url: "https://www.fundbetter.com/" description: "FundBetter helps US small businesses get funded fast. Compare 8 funding options in one application and get money in as little as 24 hours. $1B+ delivered." --- # Small business funding, made better. Get working capital up to $5M. Compare eight funding options in one quick application, work with a real advisor, and get funded in as little as 24 hours. [Apply Now](https://www.fundbetter.com/apply/) [See loan options](#products) Applying is free and won't affect your credit score. $1B+ funded to US small businesses $1B+ in funding delivered to small businesses A+ rating with the Better Business Bureau 8+ years supporting entrepreneurs across the US ★4.9/5 stars from real business owners ## Eight ways to fund your next move Whatever the goal, there's a product that fits. Apply once and your advisor helps you compare the options side by side. [### Business Lines of Credit A revolving credit line you draw from whenever you need it, and only pay for what you use. Up to $250K · Credit limit](https://www.fundbetter.com/business-loans/business-lines-of-credit/)[### Short-Term Business Loans A fast lump sum with a defined payback window, built for near-term opportunities and gaps. 3 to 18 mo · Typical term](https://www.fundbetter.com/business-loans/short-term-business-loans/)[### Long-Term Business Loans Larger amounts with longer terms and lower payments for major, planned investments. Up to $5M · Loan amount](https://www.fundbetter.com/business-loans/long-term-business-loans/)[### Invoice Factoring Turn unpaid invoices into working capital today instead of waiting 30, 60, or 90 days. Up to 90% · Advance rate](https://www.fundbetter.com/business-loans/invoice-factoring/)[### Equipment Financing Finance the machinery, vehicles, or technology you need, with the equipment as collateral. Up to 100% · Cost covered](https://www.fundbetter.com/business-loans/equipment-financing/)[### Merchant Cash Advance An advance on future sales, repaid as a small share of your daily card receipts. As fast as 24 hrs · Funding speed](https://www.fundbetter.com/business-loans/merchant-cash-advance/)[### Revenue-Based Financing Flexible funding repaid as a percentage of revenue, so payments flex with your cash flow. Flexible payments · Repayment](https://www.fundbetter.com/business-loans/revenue-based-financing/)[### SBA Loans Government-backed loans with some of the lowest rates and longest terms available. Low rates · SBA-backed](https://www.fundbetter.com/business-loans/sba-loans/) ## Funded in three simple steps 01 ### Apply in minutes Answer a few questions about your business and how much you need. It takes about two minutes and won't affect your credit score. 02 ### Get matched and approved A dedicated funding advisor reviews your profile and presents the options that actually fit, often the same day. 03 ### Get funded Choose your offer, sign electronically, and receive funds in your account in as little as 24 hours. ## The funding partner that actually has your back Banks make you wait and jump through hoops. We built FundBetter to be faster, more flexible, and genuinely on your side. ### Funding as fast as 24 hours A streamlined application and real underwriters mean decisions in hours, not weeks, and funds when you need them. ### One application, every option Compare eight funding products through a single application instead of chasing banks one at a time. ### A real advisor, start to finish You get a named funding specialist who knows your business, not a call center and a form letter. ### High approval, no hard credit pull We work with businesses banks turn away, and checking your options never touches your credit score. ## Funding for the businesses that keep America running We understand the cash-flow realities of 22 industries, and tailor funding to how your business actually earns. [Accounting & Tax](https://www.fundbetter.com/industries/accounting-tax/)[Agriculture](https://www.fundbetter.com/industries/agriculture/)[Auto Repair](https://www.fundbetter.com/industries/auto-repair/)[Beauty](https://www.fundbetter.com/industries/beauty/)[Construction](https://www.fundbetter.com/industries/construction/)[Consulting](https://www.fundbetter.com/industries/consulting/)[Ecommerce](https://www.fundbetter.com/industries/ecommerce/)[Gas & Oil](https://www.fundbetter.com/industries/gas-oil/)[Grocery & Supermarket](https://www.fundbetter.com/industries/grocery-supermarket/)[Healthcare](https://www.fundbetter.com/industries/healthcare/)[HVAC & Ventilation](https://www.fundbetter.com/industries/hvac-ventilation/)[Insurance](https://www.fundbetter.com/industries/insurance/)[Law Firm](https://www.fundbetter.com/industries/law-firm/)[Manufacturing](https://www.fundbetter.com/industries/manufacturing/)[Marketing](https://www.fundbetter.com/industries/marketing/)[Real Estate](https://www.fundbetter.com/industries/real-estate/)[Restaurants & Catering](https://www.fundbetter.com/industries/restaurants-catering/)[Retail](https://www.fundbetter.com/industries/retail/)[Solar Panel](https://www.fundbetter.com/industries/solar-panel/)[Technology](https://www.fundbetter.com/industries/technology/)[Transportation & Logistics](https://www.fundbetter.com/industries/transportation-logistics/)[Wholesale](https://www.fundbetter.com/industries/wholesale/) ## Owners who found a better way to fund ★★★★★ 4.9/5 stars from real business owners ★★★★★ > "We landed a huge catering contract but needed cash for staff and supplies up front. FundBetter had a line of credit in place within two days. It saved the account." Restaurant & catering owner Austin, TX ★★★★★ > "Our bank kept stalling on an equipment loan. FundBetter financed the new rig in 24 hours and my advisor walked me through every number. No surprises." Transportation company owner Columbus, OH ★★★★★ > "Slow-paying clients were choking our cash flow. Invoice factoring through FundBetter smoothed everything out, and the process was refreshingly simple." Construction contractor Tampa, FL Representative examples. Details shown for illustration; individual results vary. ## Most businesses qualify in minutes Our funding programs are built for real, revenue-generating small businesses, including many that banks turn down. Here's what most approvals look like. [Check if you qualify](https://www.fundbetter.com/apply/) 6+ mo Time in business $15K+ Monthly revenue 500+ Personal credit score ## See what your business qualifies for Tell us a little about your business and a funding advisor will reach out with your options. No obligation, no hard credit pull. - Funding up to $5M across 8 products - Decisions often the same day - Funds in as little as 24 hours - A real advisor, not a call center ## Frequently asked questions How much funding can I get? FundBetter offers business funding up to $5 million across eight products. The right amount depends on your revenue, time in business, and the product you choose. Most working-capital offers land between $10,000 and $500,000. How fast can I get funded? Many businesses are approved the same day they apply and receive funds in as little as 24 hours. Timing depends on the product and how quickly you return signed documents. Will applying hurt my credit score? No. Checking your options with FundBetter uses a soft inquiry that doesn't affect your credit score. A hard pull only happens later, with your permission, if you move forward with certain offers. What do I need to qualify? Most of our funding programs look for at least six months in business, around $15,000 or more in monthly revenue, and a personal credit score of 500 or higher. Requirements vary by product, and we regularly fund businesses that banks decline. What can I use the money for? Anything that grows or stabilizes your business: payroll, inventory, equipment, marketing, expansion, new locations, covering a slow season, or bridging gaps between invoices. Which industries does FundBetter work with? We fund 22 industries including construction, healthcare, restaurants, retail, transportation, manufacturing, ecommerce, and more. If you run a US-based business with steady revenue, there's likely a program for you. ## Learn how business funding works Guides on business loans, lines of credit, SBA loans, and invoice factoring, so you can choose the right fit. [Funding Guides ### How to Get a Business Line of Credit for Your Small Business A business line of credit gives you flexible, revolving cash you can draw and repay as needed. Here's how it works, what it costs, who qualifies, and how to apply. Aug 24, 20268 min read](https://www.fundbetter.com/blog/how-to-get-a-business-line-of-credit/)[Funding Guides ### SBA Loans Explained: Rates, Terms, and How to Qualify SBA loans carry some of the lowest rates and longest terms in small-business lending. Here's how they work, who qualifies, and when to choose one. Aug 20, 20268 min read](https://www.fundbetter.com/blog/sba-loans-explained-rates-terms-qualify/)[Managing Cash Flow ### Invoice Factoring vs. a Business Line of Credit: Which Fits Your Cash Flow? Slow-paying invoices and uneven cash flow call for different tools. Here's how invoice factoring and a business line of credit compare, and when each one earns its keep. Aug 17, 20268 min read](https://www.fundbetter.com/blog/invoice-factoring-vs-line-of-credit/) [Visit the blog](https://www.fundbetter.com/blog/) ## Ready to fund your next move? Join the businesses that chose a faster, friendlier way to get capital. Apply in two minutes. [Apply Now](https://www.fundbetter.com/apply/) [786-882-2705](tel:+17868822705)