Commercial capital facilities differ by duration, collateral requirements, and liquidity profile. Start with what your business needs funded, then compare how each structure is repaid.

Working capital provides short-term liquidity to manage operating obligations such as payroll, rent, and seasonal inventory cycles. Repayment is typically structured over a fixed term, and the funding is usually unsecured or supported by business revenue rather than a specific asset.

A line of credit gives access to a set amount of capital that you can draw against as cash-flow needs change. You pay interest on the amount drawn, and as balances are repaid, the available limit can be used again. Approved limits, rates, and collateral depend on the individual application.

An equipment loan funds the purchase of specialized machinery or commercial vehicles. The acquired asset generally serves as collateral for the loan, which can align repayment with the equipment's useful life. Terms vary by asset type, age, and business profile.

Request an initial capital matching review based on your business profile. Terms, rates, and eligibility vary, and no approval is guaranteed.