Financing
Every tool, priced honestly.
Seven facilities, arranged through our funding partners. Each page tells you what it costs in dollars, what it's good at, and when something else is the better answer.
Core facilities
Merchant Cash Advance
You sell a slice of your future receivables at a discount and repay as the money comes in. It is a purchase of receivables, not a loan, and it is priced differently than one. It is the fastest capital in the market and the most expensive — we'll show you exactly how much before you sign.
$10,000 – $500,000 · 4 – 15 months · 1 – 3 business days
Term Loan
A fixed amount, a fixed payment, a fixed end date. The cheapest of the three core facilities and the easiest to budget around. It also asks the most of your financials, which is exactly why it costs less.
$25,000 – $1,000,000 · 12 – 60 months · 3 – 7 business days
Flex Line of Credit
An approved limit you draw against and pay for only when you use it. Built for businesses whose cash need moves week to week rather than arriving all at once.
$10,000 – $250,000 · 6 – 24 month draw periods · 2 – 5 business days to approve
Also available
Business Line of Credit
A conventional revolving facility for businesses with the financials to support it. Lower cost than a flex line, more paperwork, and a real underwrite.
$50,000 – $1,000,000 · 12 – 36 months, renewable · 5 – 15 business days
Equipment Financing
The machine, truck, or lift you're buying secures the facility. Because the funder can take the asset back, the money is cheaper and the credit box is wider.
$10,000 – $2,000,000 · 24 – 72 months · 2 – 10 business days
Bridge Loan
Short-term capital that covers the space between two known events — a closing, a payout, a permanent facility that's coming. A bridge only works when the thing on the other side is real.
$50,000 – $2,000,000 · 3 – 12 months · 3 – 10 business days
Working Capital
General-purpose capital for the ordinary business of running a business — making payroll, buying inventory, covering the space between doing the work and getting paid for it.
$10,000 – $500,000 · 6 – 24 months · 1 – 5 business days
FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.