Funding Options
Every product below is offered by independent lenders and funding providers in our network. Your specialist helps you find the lowest-cost option you qualify for — and tells you when a cheaper product fits better.
Smoothing seasonal or uneven cash flow
Bridging a slow month or delayed customer payment
Opening a second location or expanding space
Long-term expansion where monthly payment matters most
Seasonal businesses with big swings
Trucks, trailers and fleet vehicles
Urgent needs where speed matters most
B2B companies with net-30 to net-90 customers
BFG Funds is not a lender. We connect businesses with independent lenders and funding providers. Amounts, rates, terms and timing are set by each provider after its own review of your business (bank statements, revenue, time in business, credit profile and more) and are not guaranteed.
A line of credit sits ready in the background. You draw what you need for payroll, inventory or an unexpected repair, pay interest only on what you use, and the limit refills as you repay.
Typical cost: Interest charged only on what you draw; online lines commonly price from the low teens to over 50% APR, plus possible draw or maintenance fees
Requirements, costs and FAQShort-term unsecured funding designed for speed. No collateral pledge, minimal paperwork, and a fixed payback schedule that lines up with how your revenue actually arrives.
Typical cost: Usually priced with a factor rate (commonly about 1.10–1.45) or a short-term rate; daily or weekly payments
Requirements, costs and FAQOne lump sum, one fixed payment, one clear payoff date. Term loans are often the lowest-cost option for businesses with steady revenue and a specific, planned use of capital.
Typical cost: Fixed or variable interest; bank-style loans start in the single digits, online term loans commonly range from the low teens to 40%+ APR
Requirements, costs and FAQSBA 7(a) and 504 programs are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer longer terms and materially lower rates. The trade-off is documentation and time.
Typical cost: Rates are capped by the SBA at the Prime rate plus a maximum spread that depends on loan size, plus an SBA guarantee fee
Requirements, costs and FAQInstead of a fixed monthly payment, you remit an agreed percentage of daily or weekly sales. Slow week, smaller payment. It is among the most forgiving structures for businesses with volatile revenue.
Typical cost: A fixed total payback set up front (factor rate commonly about 1.10–1.45), remitted as a percentage of sales
Requirements, costs and FAQBecause the asset itself is the collateral, equipment financing usually beats unsecured options on rate — often with little or nothing down and possible Section 179 tax treatment (ask your tax advisor).
Typical cost: Fixed monthly payments; rates depend heavily on credit, time in business and the type of asset
Requirements, costs and FAQA merchant cash advance (MCA) is not a loan: a provider buys a portion of your future receivables at a discount and collects it through daily or weekly debits. Approvals focus on deposits and sales history, which makes it reachable for businesses that don't fit bank criteria — at a higher cost.
Typical cost: A fixed total payback set by a factor rate (commonly about 1.15–1.50); among the most expensive forms of business funding
Requirements, costs and FAQIf your customers are businesses that pay on terms, a factoring company advances most of each invoice up front, collects from your customer, then sends you the balance minus its fee. Approval depends heavily on your customers' credit, not just yours.
Typical cost: A factoring fee, commonly about 1%–5% of the invoice per month outstanding
Requirements, costs and FAQOne application, a specialist who knows the lenders, and offers explained in plain English. Checking your options won't affect your credit.
