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Business Funding Solutions for Small Business Owners

Working capital, growth funding, and asset-based financing — structured for business owners and operators who need capital to scale.

SBA • Lines of Credit • Equipment • Working Capital • MCA • Invoice Factoring • Credit Building

Business Funding Programs

Capital solutions designed for small business owners — from government-backed SBA loans to fast-funding merchant cash advances. Every program is evaluated through the FAAS Capital Desk framework.

SBA Loans

Government-backed financing with competitive rates and longer terms for eligible small businesses.

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Business Lines of Credit

Revolving credit to cover operating expenses, manage cash flow, and seize growth opportunities.

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Equipment Financing

Finance essential business equipment with fixed monthly payments and minimal upfront cost.

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Working Capital

Flexible funding to manage day-to-day operations, cover payroll, or bridge revenue gaps.

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Merchant Cash Advance

Fast, flexible funding based on future sales with no fixed monthly payments and all credit types considered.

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Invoice Factoring

Convert outstanding invoices into immediate working capital — no waiting on slow-paying clients.

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Business Credit Building

Build and strengthen your business credit profile to unlock better financing terms and higher limits.

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Program Requirements & Typical Rates

Indicative ranges only. Final terms depend on your business profile, revenue history, and creditworthiness.

SBA Loans
Credit Score
650+
Annual Revenue
$100K+
Time in Business
2+ years
Rate Range
~10.5%–13% APR
Loan Range
$50K–$5M
Turnaround
30–90 days
Docs: 2 yrs business + personal tax returns, P&L, balance sheet
Business Lines of Credit
Credit Score
600+
Annual Revenue
$150K+
Time in Business
1+ year
Rate Range
8%–24% APR
Credit Limit
$5K–$500K
Turnaround
3–7 days
Docs: 3 months bank statements, business tax return
Equipment Financing
Credit Score
600+
Annual Revenue
$50K+
Time in Business
1+ year
Rate Range
6%–20% APR
Loan Range
$10K–$5M
Turnaround
2–5 days
Docs: Equipment quote/invoice, 3 months bank statements
Working Capital
Credit Score
580+
Annual Revenue
$100K+
Time in Business
1+ year
Rate Range
9%–35% APR
Loan Range
$5K–$500K
Turnaround
1–3 days
Docs: 3–6 months bank statements, proof of business ownership
Merchant Cash Advance
Credit Score
500+ (all types)
Monthly Revenue
$10K+/mo
Time in Business
6+ months
Factor Rate
1.15–1.50x
Advance Range
$5K–$500K
Turnaround
24–48 hours
Docs: 3 months bank statements, merchant processing statements
Invoice Factoring
Credit Score
No minimum
Min. Revenue
None required
Time in Business
Any stage
Rate
1%–5% per 30 days
Advance Rate
Up to 90% of invoice
Turnaround
24–48 hrs
Docs: Outstanding invoices, client contact info, business registration
Business Credit Building
Credit Score
Any (builds over time)
Min. Revenue
None required
Time in Business
Any stage
Program Fee
Varies by track
Credit Lines
$0–$50K+
Timeline
6–18 months
Docs: EIN, business bank account, business registration

Structured Through the FAAS Capital Desk

Every business funding program is evaluated through the FAAS Capital Desk framework — matching your business profile with the right capital structure for growth and sustainability.

Learn About the Capital Desk →

Not Sure Which Program Fits?

Our Capital Desk team reviews your business profile, revenue, and goals to match you with the right funding structure — whether that’s an SBA loan, line of credit, or fast-funding option.

Which Program Fits Your Business?

Answer 3 quick questions and we will point you to the right program.

1. What is your monthly business revenue?

Also Explore: Real Estate Capital Programs

FAAS Funding also offers DSCR loans, fix-and-flip capital, bridge loans, and portfolio financing for real estate investors.

View Real Estate Capital Programs →
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