Funding options
One application, matched against every type of funding you qualify for
You don’t need to know which product is right before you start — tell us what you need it for and we route your application across our lender network. Here’s what’s available.
Term loan
A lump sum you repay in fixed installments over a set term.
Best for
One-time investments — renovations, equipment, or a large inventory order.
Line of credit
Revolving access to capital you draw against as needed, paying interest only on what you use.
Best for
Smoothing out cash flow between busy and slow seasons.
SBA loan
Loans partially guaranteed by the U.S. Small Business Administration, typically longer terms and lower cost.
Best for
Established businesses making a long-term investment who can support a more thorough application.
Merchant cash advance
An advance against future card or bank sales, repaid as a percentage of daily revenue.
Best for
Businesses that need cash quickly and can't wait on a lengthy approval.
Invoice factoring
Sell your unpaid invoices for immediate cash instead of waiting 30–90 days to get paid.
Best for
B2B businesses carrying receivables from slower-paying customers.
A/R financing
Borrow against the value of your outstanding invoices without selling them outright.
Best for
Businesses that want financing without handing off collections.
Equipment financing
The equipment itself secures the loan, usually at a lower rate than unsecured options.
Best for
Buying vehicles, machinery, or other hard assets.
Purchase of receivables
A lender purchases a portion of your future receivables at a discount.
Best for
Businesses with consistent, predictable revenue.
Business credit card
Revolving credit for day-to-day spending, often with rewards.
Best for
Ongoing operating expenses and building a business credit profile.
Exact rates, terms, and amounts vary by lender, state, and your business’s financial profile, and are shown after you apply — never guessed in advance. 37Lend is a marketplace, not a lender.
Not sure which fits? Start with what you need it for.
We'll match your application to the right options for you.
Check what you qualify for