Five ways to fund your business. We help you pick the right one.

A Main Street term loan gives you a lump sum up front that you repay over a fixed term in regular installments. Term loans make sense when you have a specific use of funds with a predictable payback — an expansion, a buildout, an acquisition, or consolidating more expensive debt. We underwrite the file, we set the terms, and we wire the funds.

Amount

$25,000 to $500,000

Term

12 to 60 months

A Main Street line of credit is a revolving facility you can draw against repeatedly, similar to a business credit card without the card. You only pay for what you use, which makes it a strong fit for managing seasonal cash flow, covering payroll between payments, or stocking up on inventory ahead of a busy stretch. We approve the limit, we monitor the line, and we keep it open as long as the business stays in good standing.

Amount

$10,000 to $250,000

Term

Revolving, with draws repaid over 6 to 18 months

Main Street equipment financing lets you buy or lease tangible business equipment without paying the full price up front. Because the equipment itself usually serves as collateral, our approval criteria can be more flexible than on unsecured products, and terms can stretch longer because the asset retains value over time. We underwrite the deal, we fund the vendor, and you take delivery.

Amount

$10,000 to $1,000,000+

Term

24 to 84 months

Main Street is an SBA lender. SBA loans are issued by approved lenders and partially guaranteed by the U.S. Small Business Administration, which lets us offer longer terms and lower monthly payments than we could on a conventional loan of similar risk. SBA financing is often the lowest-cost option for established small businesses with strong credit and a clear use of funds.

Amount

$50,000 to $5,000,000+

Term

Up to 10 years for working capital, up to 25 years for real estate

Invoice factoring is a way for B2B businesses to convert outstanding receivables into cash without waiting 30, 60, or 90 days for customers to pay. We advance most of the invoice value up front, collect the payment from the customer, and remit the remainder to you minus a discount fee. It is widely used in trucking, staffing, manufacturing, and professional services.

Amount

Tied to receivables, $10,000 to $5,000,000+ per month

Term

Ongoing facility, invoice by invoice