SBA Loan
Lowest ratesGovernment-backed loans with the lowest available rates and longest terms — up to 10 years for working capital, 25 years for real estate.
Best for: Well-documented businesses that can wait 30–90 days for funding and qualify under SBA credit standards.
Not for: Businesses needing capital in days or with thin documentation.
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Business Term Loan
Fixed loan amount repaid over a set term with predictable monthly payments. Rates lower than an MCA for qualified borrowers.
Best for: Established businesses with strong credit and documented revenue seeking lower-cost capital.
Not for: Startups or businesses with recent derogatory credit events.
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Line of Credit
Most flexibleRevolving credit facility — draw what you need, repay, draw again. Interest only on what you use.
Best for: Businesses with recurring cash flow gaps or unpredictable capital needs throughout the year.
Not for: One-time capital needs where a term loan is more cost-effective.
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Equipment Financing
The equipment itself serves as collateral. Finance vehicles, machinery, tools, and technology up to 100% of value.
Best for: Any business purchasing specific equipment — the collateral often reduces rate and documentation requirements.
Not for: Soft costs, inventory, or payroll.
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Invoice Factoring
Sell unpaid B2B invoices for immediate cash. The factor collects from your customer. Advance rates typically 80–95% of invoice value.
Best for: B2B businesses with slow-paying customers and strong underlying invoice quality.
Not for: B2C businesses or businesses with weak customers on the invoice.
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Asset-Based Lending
Revolving credit line or term loan secured against AR, inventory, equipment, or real estate. Borrowing base expands as assets grow.
Best for: Mid-market businesses with significant balance sheet assets seeking larger, lower-cost facilities.
Not for: Early-stage or asset-light businesses.
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Revenue-Based Financing
Capital repaid as a percentage of monthly revenue — payments flex with your business cycle rather than a fixed daily debit.
Best for: Businesses with variable monthly revenue that need repayment to breathe with the business.
Not for: Businesses with very consistent revenue where a fixed ACH advance is simpler.
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Merchant Cash Advance
Fastest approvalLump-sum advance repaid via fixed daily ACH debits over 3–18 months. No collateral. Approval weighs revenue more heavily than credit.
Best for: Businesses with consistent daily deposits needing fast capital — typically funded in 24–48 hours.
Not for: Businesses with irregular or very low monthly revenue.
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Funding Process
How our funding process works
01
Get your estimate
A quick form — no SSN, no hard credit pull. See what businesses with a similar profile typically access.
02
We identify the right fit
We match your profile to the right product type and the lenders in our network who specialize in it.
03
Apply and get funded
Submit a full application, receive real offers from lenders, choose the best fit, and get funded — often in 24–48 hours.
Why Pezzula
Honest funding, by design
We'll tell you when not to borrow
We only place funding that actually makes sense for your business. If the numbers don’t work, we say so — even though we only get paid when you fund.
How we’re paid, in the open
On most products the lender pays us, not you. On a cash advance, we show you the actual offer so you see exactly what it costs — no hidden markup.
Product-agnostic
We’re not tied to one product. SBA, equipment, a line of credit, factoring — we match you to the right tool, not the one that pays us most.
Educational, not salesy
We publish straight, useful funding content — including the things other brokers won’t tell you.
Common Questions
Frequently asked questions
Ready to move forward?
Most applications take under 10 minutes. Same-day decisions for most products. No obligation until you accept an offer.