Every Product
Your Business Needs

From a quick line of credit to a long-term SBA loan, UrFunded connects you with the right product from our network of 3,000+ lenders. One application, multiple options.

Business Line of Credit

Flexible capital on demand

Access a revolving line of credit and draw funds whenever your business needs them. Only pay interest on what you use, and replenish as you repay. Ideal for managing cash flow gaps, seasonal expenses, or unexpected opportunities.

Amount
$10K – $500K
Terms
6–24 months
Speed
24–48 hours
  • Draw and repay on your schedule
  • No prepayment penalties
  • Revolving — reuse as you pay down
  • Credit scores from 600+

SBA Loans

Government-backed, competitive rates

SBA loans offer some of the best rates and longest repayment terms available to small businesses. Backed by the U.S. Small Business Administration, these loans are ideal for established businesses looking for significant capital at favorable terms.

Amount
$50K – $5M
Terms
10–25 years
Speed
2–4 weeks
  • Lowest rates available
  • Longest repayment terms
  • SBA 7(a) and 504 programs
  • Requires 2+ years in business

Revenue-Based Funding

Repayment that moves with your revenue

Revenue-based funding (also known as merchant cash advance) provides capital in exchange for a percentage of your future revenue. Repayments flex with your daily or weekly sales — when business is slow, you pay less.

Amount
$5K – $750K
Terms
3–18 months
Speed
Same day – 24 hours
  • No fixed monthly payment
  • Repay as a % of revenue
  • Credit scores from 500+
  • Startups considered

Equipment Financing

Own the tools that drive your business

Finance the purchase of new or used equipment, machinery, vehicles, or technology. The equipment itself serves as collateral, making this one of the most accessible financing options available — even for businesses with lower credit scores.

Amount
$10K – $5M
Terms
12–84 months
Speed
24–72 hours
  • Equipment is the collateral
  • Up to 100% financing
  • Tax deduction potential (Section 179)
  • New or used equipment

Commercial Real Estate Loans

Finance your business property

Purchase, refinance, or renovate commercial property with a tailored loan structure. Whether you're buying your first office, expanding a retail location, or investing in a warehouse, we connect you with the right commercial real estate lender.

Amount
$100K – $25M
Terms
5–30 years
Speed
2–6 weeks
  • Purchase, refinance, or cash-out refi
  • Mixed-use and investment properties
  • Competitive LTV ratios
  • Owner-occupied and investor properties

Bridge Loans

Short-term capital between opportunities

Bridge loans provide fast, short-term capital to bridge the gap between a current need and a future funding event — such as a property sale, long-term loan closing, or contract payment. Fast approval, flexible terms.

Amount
$50K – $10M
Terms
3–24 months
Speed
48–72 hours
  • Fast approval and funding
  • Interest-only payment options
  • Ideal for real estate transactions
  • Flexible exit strategies

0% Business Credit Stacking

Stack multiple 0% interest credit lines

Our credit stacking program helps qualifying businesses access multiple 0% introductory APR business credit cards simultaneously. This strategy can provide significant working capital at zero interest for 12–21 months.

Amount
$50K – $250K
Terms
12–21 months (0% period)
Speed
1–2 weeks
  • Zero interest during intro period
  • Multiple cards stacked simultaneously
  • No collateral required
  • Requires 680+ credit score

Invoice Financing

Turn unpaid invoices into working capital

Don't wait 30, 60, or 90 days for clients to pay. Invoice financing lets you access up to 90% of the value of your outstanding invoices immediately. Perfect for B2B businesses with strong receivables but slow-paying clients.

Amount
$10K – $5M
Terms
Based on invoice terms
Speed
24–48 hours
  • Up to 90% of invoice value
  • No long-term commitment
  • Approval based on client creditworthiness
  • Improves cash flow immediately

Transportation & Fleet Financing

Keep your fleet moving

Specialized financing for trucking companies, delivery fleets, and transportation businesses. Finance semi-trucks, trailers, vans, and commercial vehicles with programs designed specifically for the transportation industry.

Amount
$10K – $2M
Terms
24–84 months
Speed
24–72 hours
  • New and used commercial vehicles
  • Owner-operators and fleets
  • CDL not always required
  • Competitive rates for the industry

Long-Term Business Loans

Stable capital for major investments

Long-term business loans provide predictable, fixed monthly payments over an extended period. Ideal for major investments like expansion, acquisition, or large equipment purchases where you want stable, manageable payments.

Amount
$25K – $2M
Terms
2–10 years
Speed
3–7 business days
  • Fixed monthly payments
  • Competitive interest rates
  • Ideal for major investments
  • Requires 2+ years in business

Startup Business Loans

Capital for businesses under 2 years old

Getting funding as a startup is notoriously difficult. Our network includes lenders who specialize in early-stage businesses. We help startups access capital through revenue-based funding, personal credit, and alternative lending programs.

Amount
$5K – $150K
Terms
6–36 months
Speed
24–72 hours
  • Less than 2 years in business OK
  • Personal credit considered
  • Multiple product options
  • Business plan may be required

Business Consulting

Strategy beyond the funding

Our business consulting services help you maximize the impact of your funding. From financial modeling and cash flow analysis to growth strategy and operational efficiency, our advisors provide expert guidance to help your business thrive.

Amount
Custom pricing
Terms
Ongoing or project-based
Speed
Immediate
  • Financial analysis and modeling
  • Growth strategy development
  • Operational efficiency review
  • Ongoing advisory relationships

Not Sure Which Product Is Right?

That's what your advisor is for. Start your application and we'll match you with the best options for your specific situation.