Working Capital
Fast, revenue-based funding repaid from future receivables.
- Typical amount
- $5,000 to $500,000
- Typical term
- 3 to 18 months
Business Funding
Business Funding for Small and Mid-Sized Companies
REVEST Commercial Capital helps business owners compare funding options from a network of commercial funders, so you can see what fits your revenue, timeline, and goals.
Each option below has different costs, terms, and requirements. We review your file, explain the tradeoffs in plain English, and present the options that may fit.
Options
Business Funding options we can help you compare
Each option fits a different need. Figures below are typical ranges and vary by funder and file.
Business Line of Credit
Revolving access to capital. Pay only on what you draw.
- Typical amount
- $10,000 to $250,000 limit
- Typical term
- 6 to 24 month draw periods, often renewable
Term Loans
A lump sum with a fixed repayment schedule for defined projects.
- Typical amount
- $25,000 to $2,000,000
- Typical term
- 1 to 5 years
SBA Loans
Long-term, government-guaranteed financing for qualified businesses.
- Typical amount
- $50,000 to $5,000,000
- Typical term
- Up to 10 years (working capital, equipment), up to 25 years (real estate)
Equipment Financing
Finance machinery, vehicles, and technology using the equipment as collateral.
- Typical amount
- $10,000 to $5,000,000
- Typical term
- 2 to 7 years, often matched to equipment life
Invoice Factoring
Turn unpaid B2B invoices into working capital.
- Typical amount
- $10,000 to $5,000,000+ in monthly invoices
- Typical term
- Ongoing; each invoice settles when your customer pays
Qualification
General qualification guidelines
Most business funding funders look at the same core factors, though each sets its own thresholds.
- Monthly revenue
- $15,000+ in consistent deposits (typical starting point)
- Time in business
- 6 months+ for revenue-based options, 2 years+ for term and SBA loans
- Credit
- 550+ for some revenue-based options, 650+ for most term and SBA loans
- Bank statements
- Most recent 3 to 6 months of business bank statements
These are general guidelines, not requirements. Each funder sets its own criteria, and approval depends on underwriting.
FAQ
Business Funding FAQs
What type of business funding is easiest to qualify for?
Revenue-based options such as working capital advances typically have the most flexible requirements because they focus on recent deposits rather than credit history. They also usually cost more than term loans or SBA loans, so they fit best for short-term needs.
Does REVEST lend money directly?
No. REVEST Commercial Capital is a commercial funding brokerage, not a bank or direct lender. We work with a network of funders and help you compare the options that may fit your business.
Will checking my options affect my credit?
An initial review can often begin with a soft credit inquiry, which does not affect your score. A funder may run a hard inquiry later in underwriting, and we will tell you before that happens whenever we can.
Can I get business funding as a startup?
Options for businesses with less than 6 months of revenue are limited. Equipment financing and some SBA programs may work for newer businesses with strong personal credit and a solid plan, depending on underwriting.
Do you charge upfront fees?
No. REVEST Commercial Capital does not charge upfront broker fees. Any compensation is disclosed and is typically paid at funding.
Next step
See what funding options may fit your deal
Share a few details about your business or property. We will review your file and walk you through the options that may fit, with no upfront broker fees.