Funding options to fit different business needs
These categories are offered by participating third-party providers, not by Avenlo Funding directly. Specific rates, amounts, and requirements are set by each provider and depend on eligibility and underwriting.
Business Term Loans
A business term loan provides a one-time lump sum of capital that is repaid over a fixed period through scheduled payments. Terms, structure, and repayment frequency are set by the provider.
Common business uses
- Business expansion or relocation
- Larger one-time purchases
- Refinancing existing business debt
- General working capital needs
General characteristics
- Fixed repayment schedule set by the provider
- Structured as a single, upfront disbursement
- Terms and structure vary by provider and applicant profile
Business Lines of Credit
A business line of credit gives a business access to a revolving pool of funds that can be drawn on as needed, rather than a single lump sum. Businesses generally only owe on the amount drawn.
Common business uses
- Managing cash flow fluctuations
- Covering short-term or seasonal gaps
- Handling unplanned expenses
- Ongoing operational flexibility
General characteristics
- Revolving access rather than a one-time disbursement
- Draw structure and limits set by the provider
- Availability depends on eligibility and provider underwriting
Working Capital
Working capital funding is designed to help cover the everyday operating needs of a business, such as payroll, inventory, or routine expenses, rather than a specific large purchase.
Common business uses
- Payroll and staffing needs
- Inventory and supply purchases
- Day-to-day operating expenses
- Bridging timing gaps between receivables and expenses
General characteristics
- Structured around short-term operational needs
- Product structure varies significantly by provider
- Availability and terms depend on the applying business's profile
Equipment Financing
Equipment financing is used to acquire machinery, vehicles, technology, or other business equipment. In many structures, the equipment itself may serve as collateral.
Common business uses
- Purchasing machinery or heavy equipment
- Upgrading technology or vehicles
- Replacing aging or outdated equipment
- Expanding operational capacity
General characteristics
- Tied directly to a specific equipment purchase
- Equipment may serve as collateral, depending on the provider
- Terms depend on the equipment type, provider, and applicant
SBA Financing
SBA financing refers to loan programs associated with the U.S. Small Business Administration, which are originated by participating lenders under SBA guidelines rather than by the SBA itself.
Common business uses
- Business acquisition or expansion
- Real estate purchases for business use
- Long-term working capital needs
- Refinancing eligible business debt
General characteristics
- Originated by participating lenders under SBA program guidelines
- Generally involves a more detailed documentation and review process
- Eligibility and terms are determined by the lender and SBA program requirements
Revenue-Based Financing
Revenue-based financing provides capital in exchange for repayment structured around a business's ongoing revenue or receivables, rather than a fixed traditional loan schedule.
Common business uses
- Businesses with variable or seasonal revenue
- Faster access to working capital
- Supplementing other financing sources
- Short-term operational or growth needs
General characteristics
- Repayment structure tied to business revenue
- Structure and cost vary meaningfully by provider
- Availability depends on the applying business's revenue profile
Avenlo Funding is not a bank or direct lender. Avenlo Funding provides business financing facilitation and related services and may connect applicants with independent third-party financing providers. Financing is subject to provider underwriting, eligibility requirements, and approval. Rates, terms, fees, amounts, and availability vary by provider and applicant. Submission of an application does not guarantee approval or funding.
Not sure which option fits your business?
Apply for funding to continue to our secure application process. Available options depend on your business profile and participating providers.