Compare Business Funding Programs
One application, many lenders and programs
One application gives your business access to multiple financing programs. Liberty Capital compares lenders and products based on your revenue, time in business, credit and what the money is for, so you see what fits before you commit.
Based on cash flow and credit
Unsecured financing is based mainly on business revenue, cash flow and credit, with no specific collateral.
Larger amounts, longer terms, lower cost
Secured financing uses collateral and can offer bigger amounts, longer terms and lower costs.
Which program fits?
| Program | Best for | Collateral | Typical speed |
|---|---|---|---|
| Business line of credit | Ongoing working capital | No | 1–2 weeks |
| Working capital loan | Operating expenses | No | 1–3 days |
| Business term loan | Expansion | Sometimes | Days to 2 weeks |
| Equipment financing / leasing | Equipment purchases | The equipment | 1–5 days |
| SBA loan | Long-term growth, real estate | Usually | 30–90 days |
| Revenue-based / MCA | Fast, short-term needs | No | 1–2 days |
| Invoice factoring | Slow-paying B2B customers | Invoices | 2–5 days |
*Some programs fund within 24–72 hours of approval; SBA and commercial loans take longer.
Match the money to the use
Use leases and equipment financing for things that last, working capital for things that turn quickly, and long-term loans for real estate and acquisitions. Leasing in particular is an inflation buster and a cash flow management tool: a low capital outlay, low, manageable payments, terms up to 5 years with most at a $1 buyout, possible Section 179 treatment (ask your CPA), and you conserve cash for operations.
From application to funding
- Apply onceOne short application and a soft inquiry
- We compareLenders and programs that fit your profile
- Pick your offerRate, term and payment side by side
- Get fundedFunds go to you or to the equipment vendor
Funding program questions
Will I see every program I qualify for?
We compare multiple lenders and products and show you the ones that fit your business profile.
Will pre-qualification affect my credit?
Pre-qualification starts with a soft review. Some lenders run a hard inquiry before final approval.
How fast can I receive funding?
Some programs fund within 24–72 hours; SBA and commercial loans need more underwriting.
Can a startup qualify?
Startups usually qualify first for equipment leasing. Most working capital needs 6+ months of revenue.
What do I need to apply?
A short application and 3–4 months of business bank statements; larger requests need financials.
Ready to compare your options?
Complete one application and let Liberty Capital compare secured and unsecured programs for you. Or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.