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(800) 900-8108
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Smarter Funding options, built around your business

From working capital to strategic growth financing, explore flexible solutions designed to fuel your momentum—not slow it down. Every business is different. That's why we offer a range of funding options with customized terms, competitive rates, and approvals in as little as 4 hours.
Explore Funding Options
(800) 900-8108
WHY CHOOSE HELLO FUNDING

Fast, flexible Funding for your business

Beyond bank limits

We look past credit scores to real potential — funding for strong businesses banks ignore.

Fast funding

Funding in as little as 4 hours after approval — no waiting, no red tape, just momentum for your business.

Funding built around you

Offers built around your revenue, goals, and timeline — from cash-flow boosts to strategic capital that scales with you.

Transparent terms

Clear pricing. Straightforward costs. No hidden fees — just honest funding you can trust.
1 min
Pre-qualify online
4 hrs
Approval for qualified
applications
4 hrs
Funds disbursed after approval

Funding options for every business need

Working capital (MCA)
Business lines of credit
Term loans
Equipment financing
SBA loans
Terms
3 – 18 months
Approval time
<4 hrs
Funding Amount
$25K – $2M

Working capital (MCA)

Fast, flexible working capital through a Merchant Cash Advance (MCA). Repayment is revenue-based: a small, agreed-upon percentage of your daily or weekly sales are remitted until the total payback is reached. Designed for businesses that need quick access to capital without traditional loan requirements, this program delivers working capital that moves as fast as your business does — helping you cover expenses, manage cash flow, and seize new opportunities without delay.
Best For
Bridging short-term cash-flow gaps
Purchasing seasonal inventory
Repairing or replacing essential equipment
Meeting payroll during slower months
Powering your next stage of growth
Who Qualifies
Bridging short-term cash-flow gaps
$25,000+ in monthly revenue
550+ credit score
Active business bank account
Key Features
No collateral required
Quick approvals in hours
Payments adjust with sales
Any business purpose
Apply for working capital

Business lines of credit

On-demand capital that grows with your business. A business line of credit provides continuous access to funds you can draw, repay, and reuse — paying interest only on what you access. It’s the ideal solution for managing cash flow, covering unexpected expenses, or taking advantage of opportunities as they arise.
Best For
Managing ongoing cash flow needs
Covering unexpected expenses
Taking advantage of bulk purchase discounts
Bridging gaps between payables and receivables
Having emergency capital on standby
Who Qualifies
12 months or more in business
$25,000+ in monthly revenue
600+ credit score
Consistent cash-flow history
Key Features
Pay interest on usage only
Draw, repay, reuse anytime
No prepayment penalties
Access funds in hours
Apply for a line of credit
Approval time
24–48 hrs
Draw Period
Revolving
Credit limit
Up to $2M
Funding Amount
$25K – $2M
Approval time
2-5 business days
Terms
1 – 10 Years

Term loans

Stable, long-term capital for business expansion or major investments. A term loan provides predictable monthly payments and fixed rates over an extended repayment period, making it easier to plan, budget, and scale with confidence.
Best For
Expanding or relocating your business
Purchasing major equipment or vehicles
Making commercial real estate down payments
Investing in large inventory orders
Acquiring another business
Who Qualifies
2 years or more in business
$50,000+ in monthly revenue
650+ credit score
Demonstrated profitability
Key Features
Fixed rates & payments
Up to 10 year terms
Build business credit
Borrow up to $2M
Apply for a term loan

Equipment financing

Acquire or upgrade essential equipment while preserving cash flow. Assets secure the funding. Keeping approvals quick and straightforward. The equipment itself serves as collateral, which can make approval easier — even for businesses with challenged credit.
Best For
Restaurant equipment and kitchen upgrades
Medical and dental equipment
Construction machinery and vehicles
Manufacturing and industrial equipment
Technology, hardware, and computer systems
Who Qualifies
6 months or more in business
$25,000+ in monthly revenue
550+ credit score (flexible)
Equipment that can serve as collateral
Key Features
Equipment as collateral
Preserve working capital
Potential tax advantages
Stay competitive
Apply for equipment financing
Terms
Up to 10 yrs
Approval time
1-3 business days
Financing Amount
$25K – $2M
Approval time
30-90 days
Loan Amount
$50K – $5M
Terms
<25 Years

SBA Loans

Government-backed financing through the Small Business Administration (SBA) that offers lower rates and longer terms than conventional loans. Designed for established businesses ready to scale with confidence, this program helps you access larger funding amounts with flexible repayment structures supported by SBA guarantees.
Best For
Purchasing commercial real estate
Acquiring or expanding a business
Major renovations or facility upgrades
Refinancing existing high-interest debt
Funding long-term working capital
Who Qualifies
2 years or more in business
Strong credit profile
Demonstrated profitability and cash flow
Detailed business plan required
Personal guarantee and collateral often required
Key Features
Lower interest rates
Up to 25 year terms
Government backing
Access up to $5M
Apply for an SBA loan

Compare funding programs side-by-side

Funding amount
Approval time
Term length
Credit score
Collateral
Best for
Working 
capital (MCA)
$25K-$2M
4 hrs-1 day
3-18 mos
550+
Not required
Quick cash flow
Line of credit
Up to $2M
1-2 days
Revolving
600+
Not required
Ongoing flexibility
Term loan
$25K-$2M
2-5 days
1-10 yrs
650+
Optional
Major investments
Equipment financing
$25K-$2M
1-3 days
Up to 10 yrs
550+
Equipment
Equipment purchases
SBA loan
$50K-$5M
30-90 days
Up to 25 yrs
680+
Often required
Long-term growth

Not sure
which option fits you?

Choosing the right funding program depends on your goals, timeline, and business stage.
Need funds immediately for an urgent expense?
Working capital (MCA)
Offers the fastest approvals and same-day funding for eligible applications.
Want ongoing access without reapplying each time?
Business lines of credit
Provides flexible, reusable capital you can draw and repay as needed.
Planning a major investment with predictable repayment?
Term loans
Delivers larger amounts with fixed rates and consistent monthly payments.
Buying specific equipment for your business?
Equipment financing
Uses the asset itself as collateral for faster, easier approval.
Seeking the lowest rates for long-term growth?
SBA loans
Features government-backed financing for established businesses ready to scale.

Need help deciding?

Our Funding Specialists will review your situation and recommend the best solution for your business—at no cost and with no obligation.
Get Funding Started
(800) 900-8108

From application to funding — simplified

Step 1
See if you qualify
Share a few business details — it takes less than a minute. No paperwork or credit pull; we'll start your funding review right away.
Step 2
Connect with a funding specialist
A specialist reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.
Step 3
Finalize your application
Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.
Step 4
Sign & fund fast
Review and e-sign final paperwork — most approvals fund within 4 hours (eligible applications). Funds land directly in your business account.

Questions?
We've got answers

View full FAQ
What's the difference between working capital and a term loan?
Working Capital (Merchant Cash Advance) is a shorter-term program with revenue-based repayment and daily or weekly remittances tied to your sales. Term Loans have fixed monthly payments over longer periods (1–10 years).
Can I have multiple funding programs at once?
In some cases, yes. For example, you might maintain a Line of Credit for ongoing needs and a Term Loan for a specific investment. Your Funding Specialist can help structure the best combination.
How do you determine which funding option I qualify for?
We evaluate your time in business, monthly revenue, credit profile, and overall funding needs, then recommend the programs that best fit your qualifications. For MCAs, recent revenue and deposit consistency matter most; for term loans and lines of credit, credit strength and time in business carry more weight.
What if I don't know which option is right for me?
That’s exactly what our Funding Specialists are for. They’ll learn about your goals, review your qualifications, and suggest the best fit—at no cost and with no obligation.
Can I switch funding types later?
Yes. Many businesses start with a Merchant Cash Advance (Working Capital) and later transition to a Term Loan or Line of Credit as they grow. We’re here to support your business at every stage.
Do you offer funding for startups?
Yes, in select cases. Some options are available for businesses with as little as six months of operating history. Newer companies generally have fewer choices and may need to demonstrate stronger revenue to qualify.

Ready to find the right Funding solution?

Answer a few quick questions and see what you may qualify for in just 60 seconds.
Fast response from a real person
No obligation to accept funding
No impact to your credit score
Get Funding Started
(800) 900-8108
Prefer to talk first?
Call (800) 900-8108 to speak with a Funding specialist
Mon-Fri
6am-6pm PST
Sat
6am-11am PST