Small Business Loans and Financing
Rise offers the full spectrum of business financing in one place. From revolving lines of credit and same-day merchant cash advances to government-backed SBA loans and equipment financing, we match you with the right product based on your needs, timeline, and qualifications. $5,000 to $5,000,000, with funding in as little as 24 hours.
Explore Every Financing Product
Every product below is available through Rise. Click any product to see qualification requirements, typical terms, and how it compares to alternatives.
Business Line of Credit
Revolving access to capital. Draw what you need, repay, and draw again. Ideal for managing variable working capital needs.
Learn MoreShort-Term Business Loans
Lump-sum capital repaid over 3 to 18 months. Fast funding for inventory, payroll gaps, or short-cycle opportunities.
Learn MoreLong-Term Business Loans
Multi-year financing for established businesses. Lower monthly payments and a predictable repayment schedule.
Learn MoreInvoice Factoring
Turn unpaid B2B invoices into immediate cash. Get paid today without waiting for customers to settle their accounts.
Learn MoreEquipment Financing
Finance new or used machinery, vehicles, and equipment. The asset itself secures the loan, easing qualification.
Learn MoreMerchant Cash Advance
Get capital today and repay through a fixed percentage of daily card sales. Built for businesses with strong revenue.
Learn MoreSBA Loans
Government-backed financing with some of the lowest rates and longest terms available. Up to $5M with terms to 25 years.
Learn MoreRevenue-Based Financing
Repayment scales with your revenue. Pay more in strong months, less in slow ones. No fixed monthly burden.
Learn MoreTerm Loans
Classic fixed-rate, fixed-term financing. Predictable payments for major investments or one-time capital needs.
Learn MoreCash Flow Financing
Bridge timing gaps between expenses and receivables. Working capital underwritten on revenue, not collateral.
Learn MoreSubordinated Debt
Junior financing that sits behind senior debt. Useful for growth capital when senior lenders cap your borrowing.
Learn MoreBridge Financing
Short-term capital that bridges the gap until longer-term financing or a specific event closes. Built for timing.
Learn MoreHow to Choose the Right Product
Twelve options is a lot to weigh. In practice, five questions narrow the field quickly. Work through them in order, because the first one rules out the most.
1. Start with your timeline
Timeline eliminates more options than anything else. Merchant cash advances and short-term loans can fund within 24 to 48 hours of approval. Lines of credit typically take about one week. SBA loans run 30 to 90 days because of government underwriting. If you need capital in the next day or two, the SBA route is off the table regardless of how attractive its pricing is.
2. Decide if the need is one-time or ongoing
A single known expense suits a lump sum: a term loan, short-term loan, or equipment financing. A recurring or unpredictable need suits a revolving line of credit, where you draw only what you use and free the balance back up as you repay. Taking a lump sum for an ongoing need usually means borrowing more than you need at any one moment.
3. Match repayment to how revenue arrives
If your revenue is steady, fixed payments are cheaper to service and easier to plan around. If it is seasonal or lumpy, revenue-based financing and merchant cash advances flex with your sales, so a slow month costs less to carry. Businesses with sharp seasonal peaks often struggle with fixed schedules built for even revenue.
4. Use the asset when there is one
When the capital buys a specific thing, financing secured by that thing is usually easier to qualify for. Equipment financing is secured by the equipment. Invoice factoring advances against the invoice. Both sidestep the credit and time-in-business hurdles that unsecured products apply, because the lender's risk is tied to the asset.
5. Weigh total cost, not just the rate
A low rate over a long term can cost more in total than a higher rate repaid quickly, and the reverse is also true. Compare what you repay in total and what the payment does to your monthly cash flow. Our funding calculator models both so you can see the trade-off before you apply.
Compare Products Side by Side
How each product is structured, what secures it, and the situation it fits best. Amounts, rates, and terms vary by lender and by your qualifications, so those are covered on each product page.
| Product | Structure | Collateral | Best suited to |
|---|---|---|---|
| Business Line of Credit | Revolving | Typically unsecured | Ongoing or unpredictable working capital needs |
| Short-Term Business Loans | Lump sum, fixed schedule | Typically unsecured | A defined short-cycle need where speed matters most |
| Long-Term Business Loans | Lump sum, amortizing | May be required | Established businesses funding multi-year investments |
| Invoice Factoring | Receivables advance | The invoice itself | B2B businesses waiting on slow-paying customers |
| Equipment Financing | Asset-backed loan | The equipment itself | Buying machinery, vehicles, or hardware |
| Merchant Cash Advance | Advance on card sales | Typically unsecured | High card-volume businesses needing capital fast |
| SBA Loans | Government-backed loan | May be required | Lowest available cost when you can wait on underwriting |
| Revenue-Based Financing | Revenue-share repayment | Typically unsecured | Seasonal or uneven revenue you cannot forecast tightly |
| Term Loans | Lump sum, fixed rate | May be required | One-time investments where predictability matters |
| Cash Flow Financing | Revenue-underwritten | Typically unsecured | Covering timing gaps without pledging assets |
| Subordinated Debt | Junior to senior debt | Junior claim | Adding capital without displacing your senior lender |
| Bridge Financing | Short-term bridge | Varies by exit strategy | Covering the gap until a known event closes |
Why Businesses Choose Rise
Funded in as Little as 24 Hours
Most approvals happen the same day. For qualifying products, funds can hit your account the next business day.
$5,000 to $5,000,000
From small working capital top-ups to large SBA-backed packages, we cover the full funding spectrum.
Soft-Pull Pre-Qualification
Check what you qualify for without hurting your credit. One application, multiple product matches.
Frequently Asked Questions
Which type of business loan is right for me?+−
It depends on what you need the capital for, how fast you need it, and how predictable your revenue is. SBA loans offer the lowest rates but take 30 to 90 days. Short-term loans and merchant cash advances fund within days. A line of credit is best for ongoing or unpredictable needs. Equipment financing is the right call when the asset itself can serve as collateral. Our team helps match you to the best fit based on your situation.
How much can my business qualify for?+−
Funding ranges from $5,000 up to $5,000,000 depending on the product, your time in business, revenue, and credit profile. Most businesses qualify for some combination of products. You can pre-qualify in minutes to see your range across multiple financing types.
What are the typical requirements?+−
Across most Rise products, lenders look for at least 6 months in business, $10,000 or more in monthly revenue, and a personal credit score above 550. SBA loans have stricter requirements (typically 680+ credit and 2+ years in business). Equipment financing and invoice factoring are more flexible because the asset or invoice secures the deal.
How fast can I get funded?+−
It depends on the product. Merchant cash advances and short-term loans can fund within 24 to 48 hours of approval. Lines of credit typically take about one week. SBA loans, due to government underwriting, take 30 to 90 days. We tell you the realistic timeline upfront so you can plan.
Will applying hurt my credit?+−
Pre-qualification uses a soft credit pull and does not impact your score. A hard pull only happens if you decide to move forward with a formal application for a specific offer. You can compare options across multiple products without affecting your credit.
Do I need collateral?+−
Not for every product. Merchant cash advances, revenue-based financing, and most short-term loans are unsecured. Equipment financing uses the equipment itself as collateral. SBA loans and larger term loans may require collateral or a personal guarantee. We make the security requirements clear before you commit.
Can I use more than one financing product at once?+−
Often yes, and for some businesses it is the better structure. A common pattern is a line of credit for day-to-day working capital alongside equipment financing for a specific asset purchase, so the asset does not consume your flexible capital. Subordinated debt exists specifically to add capital behind an existing senior lender rather than replacing it. What matters is whether your cash flow can service the combined payments, and whether your existing agreements restrict additional borrowing. We review both before recommending a second product.
What happens if I am declined for the product I wanted?+−
A decline on one product does not mean you have no options. Because Rise works across a network of lenders and twelve product types, the usual outcome is a different structure rather than no funding. A business that falls short of the credit or time-in-business bar for an SBA loan may still qualify for invoice factoring or equipment financing, since those are secured by the invoice or the asset instead of your credit profile. We tell you what fell short and what would change the answer, whether that is a few more months of operating history or stronger monthly revenue.
Find Your Best-Fit Product
Pre-qualify in minutes with a soft credit pull. See your matched products, estimated terms, and funding range across the entire Rise product lineup.