Disclosure: TrustScore Business Funding is not a direct lender. We are a commercial loan broker connecting businesses with third-party lenders. All offers subject to lender approval. Rates and terms vary. | Full Disclaimers | Terms | Privacy

TrustScore Business Funding
TrustScoreBusiness Funding

Business Funding Options

Six funding products from 75+ lenders. From $5K to $5M, we match you with the right capital for your business.

Revenue-Based Financing

Get capital based on your monthly revenue. Payments flex with your cash flow — pay more when busy, less when slow. No fixed monthly payments.

Best for: Businesses with strong revenue but limited credit history

  • No collateral required
  • Flexible daily/weekly payments
  • Revenue-based repayment (% of sales)
  • No fixed monthly payment schedule
  • Approved with 500+ credit score
  • 3-12 months in business
Learn More Apply Now
Funding Range$5K - $500K
Rate / APRFactor 1.10 - 1.50
Term Length3-18 months
Funding Speed24-48 hrs
Minimum Requirement$10K+/mo revenue

SBA Loans (7(a) & 504)

Government-backed loans with the lowest rates and longest terms. Ideal for major expansion, commercial real estate, acquisition, and large equipment.

Best for: Established businesses seeking long-term, low-rate capital

  • Lowest rates available (SBA-backed)
  • Up to 25-year terms
  • Low down payments (10-20%)
  • SBA 7(a) for general purpose
  • SBA 504 for real estate/equipment
  • SBA Express for faster processing
Learn More Apply Now
Funding Range$50K - $5M
Rate / APR5.5% - 11% APR
Term Length5-25 years
Funding Speed2-6 weeks
Minimum Requirement2+ yrs in business

Equipment Financing

Finance new or used equipment with the equipment as collateral. Preserve your cash flow while getting the machinery, vehicles, or technology your business needs.

Best for: Construction, manufacturing, medical, transportation, restaurants

  • 100% financing available
  • Equipment serves as collateral
  • Section 179 tax deduction eligible
  • New and used equipment
  • No additional collateral needed
  • Fixed monthly payments
Learn More Apply Now
Funding Range$10K - $2M
Rate / APR4.9% - 12% APR
Term Length1-7 years
Funding Speed1-3 days
Minimum Requirement6+ months in business

Business Line of Credit

Revolving credit you draw from as needed. Only pay interest on what you use. As you repay, your available credit replenishes. Perfect for managing cash flow.

Best for: Businesses needing flexible, ongoing access to working capital

  • Only pay interest on drawn funds
  • Revolving — replenishes as you repay
  • Draw funds anytime
  • No prepayment penalties
  • Build business credit history
  • Online dashboard access
Learn More Apply Now
Funding Range$10K - $500K
Rate / APR7% - 25% APR
Term Length6-24 months
Funding Speed24-48 hrs
Minimum Requirement$8K+/mo revenue

Merchant Cash Advance

Advance against future credit/debit card sales. Repayment is automatic — a percentage of each day's sales. When sales are high, you pay more; when slow, you pay less.

Best for: Retail, restaurants, and businesses with high card volume

  • Fastest funding (same-day possible)
  • Automatic daily repayment
  • No fixed payments
  • Works with low credit scores
  • No collateral required
  • Simple application process
Learn More Apply Now
Funding Range$5K - $500K
Rate / APRFactor 1.10 - 1.50
Term Length3-18 months
Funding SpeedSame day
Minimum Requirement$5K+/mo in card sales

Working Capital / Term Loans

Straightforward business loans with fixed payments. Use for payroll, inventory, marketing, rent, or any business expense. Predictable monthly payments.

Best for: Any business needing predictable, fixed-payment financing

  • Fixed monthly payments
  • Predictable repayment schedule
  • Use for any business purpose
  • Terms from 3-60 months
  • No restrictions on use of funds
  • Build business credit
Learn More Apply Now
Funding Range$5K - $500K
Rate / APR7% - 30% APR
Term Length3-60 months
Funding Speed24 hrs
Minimum Requirement$8K+/mo revenue

Frequently Asked Questions

What credit score do I need?+
Requirements vary by product. Revenue-based financing and MCAs work with scores as low as 500. SBA loans typically require 680+. Lines of credit generally need 600+. We have options for almost every situation.
How fast can I get funded?+
Merchant cash advances can fund same day. Revenue-based financing and lines of credit typically fund in 24-48 hours. SBA loans take 2-6 weeks due to government underwriting. Equipment financing is usually 1-3 business days.
Do you do a hard credit pull?+
Pre-qualification uses a soft pull — no impact to your credit score. A hard pull only occurs if you accept an offer and proceed with formal underwriting. We always inform you before any hard pull.
What documents do I need?+
For most products: 3-6 months of bank statements, business tax returns (1-2 years for SBA), government-issued ID, and a simple application. Some products require minimal documentation (bank statements only).
Are there prepayment penalties?+
Most of our funding products have no prepayment penalties. SBA loans may have a prepayment penalty in the first 3 years. Your funding advisor will clearly disclose all terms before you accept any offer.

Not sure which option fits?

Our funding advisors will match you with the best product for your situation. Free, no obligation.

Get Pre-Qualified Free

Disclosure: Rates, terms, and fees shown are estimates and ranges. Your actual rate, term, and fees will be determined by the third-party lender based on your creditworthiness, business financials, and other factors. TrustScore Business Funding is not a direct lender. Pre-qualification does not guarantee final approval. SBA loans subject to SBA eligibility requirements. See Legal Disclaimers and Terms of Service.