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Small Business Funding Options Built for Your Business
Fast, flexible capital—tailored to real-world needs.
Not every business fits the mold—and that’s exactly why small business funding options need to be just as diverse as the people running them. At Business First Funding, we specialize in helping business owners access fast, frictionless capital with terms that make sense in today’s economy—not yesterday’s rules.
Whether you’re managing cash flow, investing in inventory, launching a new project, or navigating seasonal fluctuations, we offer funding that adapts to your timeline and business rhythm—not the other way around.
From startup operators to tenured founders, our funding options are designed to solve problems, seize opportunities, and keep your business moving forward.
Small Business Funding Options Built for Your Business
Fast, flexible capital—tailored to real-world needs.
Not every business fits the mold—and that’s exactly why small business funding options need to be just as diverse as the people running them. At Business First Funding, we specialize in helping business owners access fast, frictionless capital with terms that make sense in today’s economy—not yesterday’s rules.
Whether you’re managing cash flow, investing in inventory, launching a new project, or navigating seasonal fluctuations, we offer funding that adapts to your timeline and business rhythm—not the other way around.
From startup operators to tenured founders, our funding options are designed to solve problems, seize opportunities, and keep your business moving forward.
Why Explore Alternative Business Funding?
The traditional loan process often feels like it was built to slow you down. Banks want long histories, perfect credit, extensive paperwork, and endless waiting periods—yet business doesn’t pause just because underwriting takes weeks.
Alternative funding solves for speed, access, and flexibility.
With us, you skip the red tape. You won’t be punished for tax liens, credit issues, or unconventional cash flow. Instead, we assess your business based on potential and performance—not outdated metrics.
Our solutions are ideal for:
Business owners operating in high-growth or seasonal industries
Entrepreneurs who’ve been declined by traditional banks
Companies with urgent capital needs or limited time to wait
Whether you're navigating supply chain disruptions or just trying to keep your doors open during a slow period, alternative funding gives you control back.
Our Small Business Funding Options
Working Capital for Small Businesses
When your business needs a cash flow boost to cover payroll, inventory, marketing, or unexpected expenses, our working capital solutions deliver the speed and flexibility to keep operations moving.
Fast approval and funding in as little as 24–48 hours
Minimal paperwork
Designed for growing businesses with consistent revenue
Use Case: Retailers often use working capital advances to prepare for seasonal spikes—buying inventory in bulk when prices are low and demand is looming.
Turnaround: 24–48 hours with basic business documentation.
Additional Insight: This is a go-to option for service providers too—think salons, auto repair shops, and consultants who need fast capital to serve more clients.
Equipment Financing for Small Businesses
Need to upgrade or replace essential equipment without draining your reserves? Our equipment financing programs let you spread out costs while gaining the tools you need to stay competitive.
Machinery and tools
Office or medical equipment
Delivery vehicles or restaurant appliances
Use Case: A dental practice expands with new imaging equipment, using structured payments instead of depleting reserves.
Key Benefit: Own or lease assets with fixed, predictable costs.
Extra Tip: This is also ideal for manufacturing businesses scaling up production capacity.
Short-Term Business Loans
Capital for high-impact opportunities with 3–18 month terms and fixed repayment plans.
Capital within days
Terms from 3 to 18 months
Predictable repayment plans
Use Case: A service-based business wins a large contract and needs upfront funding to cover staffing and materials
Best For: Time-sensitive opportunities or emergency expenses.
Pro Strategy: Many clients use this funding to test a new service or product before scaling up.
Revenue-Based Repayment
Payments adjust to your business performance—ideal for variable-income businesses and e-commerce.
E-commerce
Seasonal businesses
Businesses with fluctuating income
Use Case: A wedding planner uses revenue-based funding to bridge between peak seasons, aligning repayments with active client months.
Why it works: It grows with you—no fixed payment stress.
Scenario: Businesses hit by unexpected slow periods often turn to this structure for relief without the risk of default.
Merchant Cash Advance (MCA)
Get a lump sum now and repay via a percentage of your daily card sales—no collateral or perfect credit needed.
High-volume retail businesses
Restaurants or salons
Businesses with credit challenges
Use Case: A coffee shop leverages an MCA to renovate and expand its patio before the busy spring season.
Repayment: A set % of daily card transactions, so it scales with your sales volume.
Insider Advantage: Great for businesses that need quick capital but can’t qualify for traditional loans due to past credit issues.
Business Line of Credit (If Applicable)
Revolving access to funds—draw only what you need, when you need it. Ideal for ongoing or unpredictable needs.
Ongoing working capital needs
Emergencies or unexpected repairs
Managing month-to-month variability
Use Case: A marketing firm juggles client delays by drawing on a line of credit to meet payroll without borrowing more than needed.
Highlight: Interest is only charged on what you use.
Flex Tip: Many clients combine this with other products as a backup reserve.
Funding for Construction Companies
Stay ahead of project deadlines and equipment needs with construction funding that adapts to your workflow. Whether it’s upfront capital or gap financing, we move fast so you can keep building.
Quick approvals for material costs, staffing, or expansion
Flexible repayment schedules aligned to project cycles
Restaurant Business Funding
Revolving access to funds—draw only what you need, when you need it. Ideal for ongoing or unpredictable needs.
Simple application
Cash in days, not weeks
Used by quick-serve, food trucks, franchises, and independents
Manufacturing Funding
Stay efficient, meet demand, and scale with confidence. Our manufacturing funding programs support investments in technology, production space, or labor.
Designed for high-volume operations
Use funds for automation, inventory, or staffing
Flexible capital access for tight timelines
Choosing the Right Option
Not all funding options are created equal. The right one depends on how quickly you need capital, how you plan to use it, and how predictable your revenue is.
| Funding Type | Best For | Speed | Repayment Type |
|---|---|---|---|
| Working Capital Advance | Operational expenses | 1–2 days | Daily or weekly |
| Equipment Financing | Equipment or machinery | 3–5 days | Monthly, fixed |
| Short-Term Loan | Large expenses, fast return | 1–3 days | Fixed term |
| Revenue-Based Repayment | Variable-income businesses | 2–4 days | % of revenue |
| Merchant Cash Advance | Card-heavy businesses, fast capital | 1–2 days | % of daily card sales |
| Line of Credit | Ongoing or unpredictable needs | 3–5 days | As used |
Here's How It Works
1
Apply in Minutes
Start with our fast, no-obligation application. It only takes a few minutes and requires minimal documentation.
2
Personalized Review
Our team assesses your application based on revenue, potential, and real-world business operations—not just your credit score
3
Receive Funding in 1–2 Days
Upon approval, funds hit your account—ready to use for any business need. Whether it’s payroll, a project launch, or covering a shortfall, you’re in contro
4
Ongoing Support
Your dedicated funding expert checks in to ensure your capital strategy stays aligned with your business goals.
We guide you toward future rounds of funding if growth or new needs arise.
Why Business First Funding?
We’re not just a funding source—we’re a partner who understands the pressure of running a business when cash flow is tight and opportunities don’t wait.
What sets us apart:
Fast turnaround: Get funded in 1–2 days
Flexible approvals: Even with credit hiccups or tax liens
Simple process: No complex paperwork or long waits
Human support: Speak to real people who understand your urgency
Your next opportunity shouldn’t depend on a bank’s timeline.
Our funding process is built around clarity, speed, and your business's success—not red tape.
Straight answers. Zero fluff.
Your Funding Questions Answered
Can I apply if I have bad credit?
Yes. We work with businesses that have credit challenges, bankruptcies, or tax liens.
What are the basic requirements to qualify?
Typically, 6+ months in business and $10,000/month in revenue. But we look at your whole picture.
Do I need collateral?
Most of our options are unsecured—no personal or business assets needed.
How long does the process take?
Most approvals happen same-day, with funding in your account within 24–48 hours.
Are there restrictions on how I use the funds?
No. Use your funds for whatever helps your business—marketing, payroll, expansion, repairs, etc.
What documents do I need to apply?
Just a one-page application and 3 months of recent business bank statements to start.
Is there a prepayment penalty?
No. You can pay off your advance or loan early with no fees in most cases.
Can I get multiple funding rounds?
Yes. Many clients return for additional capital as their business grows.
How often can I draw from a line of credit?
As often as needed—funds replenish as you repay.
What’s the difference between a loan and an advance?
Loans have fixed terms and payments. Advances often tie repayment to your revenue or card sales.
Get the Capital You Deserve—Fast
No matter your industry, credit background, or size—we’re here to help you move forward. Let’s talk about how Business First Funding can create a plan tailored to your business goals.
Apply today and get the capital you need—fast, simple, and on your terms.
We’re here to make accessing capital for your company as easy as possible.
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