Business Funding Options. The Whole Menu, Priced Honestly.

Every funding product is a trade between speed, cost, and qualification bar. The menu, decoded — so the product you take is a choice, not whatever found you first.

The short answer

Business funding ranges from bank term loans and SBA loans (cheapest, slowest) through lines of credit, equipment financing, and invoice financing, to revenue-based funding and merchant cash advances (fastest, most expensive). The right option depends on your file, revenue, and time in business. The 800 Club's funding team maps the route on a free strategy call.

Written and reviewed by Christopher Blanco, Founder of The 800 Club · Reviewed August 2026

The Menu

Seven Products, Side By Side.

Product	Best For	Cost Band	The Catch
Bank term loan	Planned, sizable investments	Lowest	Highest bar: credit, time-in-business, docs
Business line of credit	Working capital, timing gaps	Low–mid	Limits start small; renewals re-underwrite you
SBA (7(a), 504)	Big asks with modest collateral	Low, fees added	Slow; paperwork-heavy; personal guarantee standard
Equipment financing	Machines, vehicles, hardware	Mid	The equipment is the collateral — and the leash
Invoice financing	Slow-paying B2B receivables	Mid–high	Fees compound if customers drag
Revenue-based funding	Strong sales, weak credit	High	A slice of every day’s revenue until paid
Merchant cash advance	True emergencies only	Highest	Factor-rate pricing hides the APR; daily pulls strangle cash flow

The Sort

Which Row Is Yours? Three Questions.

What’s it for? A one-time asset wants a term product; a recurring gap wants a line — financing a permanent need with an emergency product is how businesses bleed out. How strong is the profile? The top rows demand funding-ready files; the bottom rows sell speed to everyone else, at speed’s price. How fast, really? “This week” eliminates the cheap rows — which is exactly why building the profile before the need is the whole strategy.

The Funding-Ready Checklist →

The Pricing Trap

Compare In Total Dollars, Always.

The bottom of the menu prices in formats designed to defeat comparison: factor rates, fees, daily holdbacks. Convert everything to one question — “how many total dollars leave my business, and from which day’s cash flow?” — and the menu re-sorts itself instantly. Any funder who resists answering in total dollars has answered.

The Bad-Credit Rows, Decoded →

The Sequence

Climb The Menu Over Time.

The healthy trajectory: expensive-but-available products used sparingly and retired fast, while the profile work (credit, banking history, documentation) unlocks the cheaper rows — until the bank line and the term loan are the defaults, not the dream. Funding maturity is just moving up this table on purpose.

Run The Climb With Us → Starting From Zero? Startup Funding Back To The Hub

Straight Answers

Asked Constantly — Answered Once.

What is the cheapest way to fund a small business?

Bank term loans and SBA-backed loans sit at the bottom of the cost scale, followed by a business line of credit — and all three sit behind the highest qualification bars: credit, time in business, documentation. The cheap rows are earned by building the profile before the need arrives.

What is the easiest business loan to get approved for?

The most expensive ones — merchant cash advances and revenue-based funding approve on sales alone, often within a day, at prices that can run several times a bank rate. Easy and cheap sit at opposite ends of the menu; the strategy is to use the easy rows sparingly while building toward the cheap ones.

How do I compare a factor rate to an interest rate?

Convert both to total dollars leaving the business and the time you have to repay. A 1.3 factor on $50,000 repaid over six months is $15,000 in cost — an effective APR far above what the factor rate implies. Any funder who resists answering in total dollars has answered the question.

Reading Is Free. So Is The Next Step.

Funding

You Built The File. We Bring The Money.

Cars, homes, personal, business — no upfront fee on cash & credit funding; a success fee only when money lands.

See The Funding Process → One-On-One

Credit & Funding Consulting

A specialist maps your exact file to your exact goal — custom strategy, no generic advice.

Book Consulting → The Community

Join The 800 Club

From $49/month — the room where the moves get taught: strategy, accountability, and people building the same thing.

Join The Club →

Take The Product You Chose. Not The One That Found You.

A free strategy call sorts the menu against your profile and your actual need.

Book Your Free Strategy Call →

This page answers:
business funding optionsbusiness line of creditSBA loansSBA 7aworking capital loanequipment financinginvoice financingrevenue based financingbusiness funding comparisonbusiness term loanunsecured business loanscommercial financing

Got A Denial Letter?Decode it free — it never leaves your browser

Decode It