Funding products
Seven proven funding solutions from $5,000 to $5,000,000. Compare them below, or let an advisor recommend the best fit at no cost.
Best for: managing cash-flow swings, recurring expenses, and seizing opportunities on demand.
A revolving credit line you can draw from whenever you need it, up to your approved limit. You only pay interest on the funds you actually use, and as you repay, your available credit replenishes — making it the most flexible tool in our lineup.
Best for: bridging a temporary gap, covering payroll, or funding a defined near-term project.
A lump sum delivered fast and repaid over 3 to 18 months with predictable daily or weekly payments. When you need capital quickly and have a clear plan to repay it, a short-term loan is straightforward and dependable.
Best for: major growth initiatives, expansion, acquisitions, or refinancing higher-cost debt.
Larger amounts repaid over two to five years with comfortable monthly payments and competitive rates. When you're investing in the long-term future of your business, this structure keeps payments manageable while you grow into the capital.
Best for: B2B businesses with long payment terms — trucking, staffing, manufacturing, wholesale.
Sell your unpaid invoices to Northwind and receive up to 90% of their value immediately. We collect from your customer, then forward the remainder less a small factoring fee. Stop letting net-30/60/90 terms strangle your cash flow.
Best for: buying machinery, vehicles, computers, or any income-producing equipment.
Finance up to 100% of the cost of new or used equipment, using the equipment itself as collateral. This preserves your working capital and cash reserves while you put the new asset straight to work generating revenue.
Best for: retail, restaurants, and seasonal businesses with strong daily card sales.
Receive an advance against your future credit- and debit-card sales, then repay automatically as a small fixed percentage of each day's revenue. Payments flex with your cash flow — lighter on slow days, never a fixed bill you can't meet.
Best for: established, creditworthy businesses seeking the lowest rates and longest terms.
Government-backed loans offering some of the most affordable financing available, with terms up to 25 years. The application is more involved, but our dedicated SBA specialists handle the paperwork and guide you through every step to approval.
At a glance
A quick reference to help you narrow down the right fit before you talk to an advisor.
| Product | Amount Range | Typical Term | Speed to Fund | Best For |
|---|---|---|---|---|
| Line of Credit | $5K – $250K | Revolving | Same / next day | Flexible, on-demand cash flow |
| Short-Term Loan | $5K – $500K | 3 – 18 months | Same / next day | Bridging gaps, quick projects |
| Long-Term Loan | $25K – $1M | 2 – 5 years | 2 – 5 days | Expansion & acquisitions |
| Invoice Factoring | Up to 90% of invoices | Per invoice | 24 – 48 hours | B2B with long payment terms |
| Equipment Financing | $10K – $1M | 1 – 6 years | 1 – 3 days | Machinery, vehicles, tech |
| Merchant Cash Advance | $5K – $500K | % of card sales | Same / next day | High daily card volume |
| SBA Loan | $50K – $5M | Up to 25 years | 2 – 6 weeks | Lowest rates, long terms |
Plan your funding
Move the sliders to see how funding amount, term length, and rate shape your estimated payments. This is an illustration only — your actual offer depends on underwriting.
Estimate only. Figures are illustrative and do not constitute an offer of credit. Actual rates, terms, and payments are determined by underwriting and vary by product and qualifications.
Estimated monthly payment
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Simple by design
Five-minute online application. No hard credit check to see your options.
A decision in 24–48 hours, with an advisor matching you to the right product.
E-sign transparent terms and receive funds the same or next business day.
Steady capital. Solid partners.
Tell us about your business and a dedicated advisor will recommend the right structure — free, with no obligation.