Small Business Funding

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Loan and Financing Options

Merchant Cash Advance

Merchant Cash Advance (MCA)

A Merchant Cash Advance (MCA) is a quick and flexible financing solution for businesses that need immediate cash flow. Unlike traditional loans, an MCA provides a lump sum payment in exchange for a percentage of future credit card sales or daily bank deposits. This makes it an ideal option for businesses with fluctuating revenue or seasonal sales.
Loan Amounts: $5,000- $500,000+
Payment schedule: Daily, Weekly, or Monthly depending on your sales volume and business needs.
Term: 3 to 6 Months
Approved and funded within: 24-48 hours

Term Loan

Term Loan

A Term Loan is a traditional form of financing where a business receives a lump sum of capital upfront and agrees to repay it over a fixed term with interest. This option is ideal for companies looking to finance long-term projects, such as equipment purchases or expansion.
At SiFi Lending, we connect you with a large network of lenders who offer fast, straightforward access to capital, helping you cover urgent business needs such as inventory, payroll, or expansion.
Loan Amounts: $20,000- $1,000,000
Payment Schedule: Weekly, Bi-weekly, or Monthly
Term: 6 to 18 Months
Approved and funded within: 2-7 business days, with a more thorough review to ensure the best financing terms for your business.

Business Line of Credit

Business Line of Credit

A Business Line of Credit offers your business flexible access to funds when you need them most. Unlike a term loan, a line of credit lets you borrow up to a predetermined limit. This is perfect for businesses that need a financial safety net for emergencies, working capital, or short-term opportunities. The revolving nature of a business line of credit means you can borrow, repay, and borrow again as needed.
Loan Amounts: $20,000-$500,000+
Payments: Ongoing, flexible access
Approved and Funded within: 2-7 days, offering you flexible access to funds whenever you need them.

Fast and Reliable

At SiFi Lending, we understand that time is of the essence when it comes to securing funding for your business. That’s why we prioritize fast and efficient processes to ensure you get the capital you need when you need it most.
Our lending partners, offer some of the fastest approval and funding turnaround times in the industry:
If you need fast funding, don’t wait—contact us today to get started!

Requirements to Qualify

Over 6 months Time in Business

+$6,000 Monthly Revenue deposited to your Business Bank Account

 Minimum 500 FICO

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