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Funding products

Seven ways to fund your next move.

From $5,000 to $5,000,000, every Pulse Capital product is fast to apply for, fair in its terms, and matched to how your business actually earns.

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Most flexible

Business Line of Credit

A revolving credit line you can draw from again and again. Borrow what you need, pay interest only on what you use, and replenish your available balance as you repay—perfect for managing cash flow and pouncing on opportunities.

Amounts
$5K – $500K
Terms
6 – 24 mo. revolving
Speed
As fast as same-day

Best for: Businesses with fluctuating or seasonal cash needs that want a safety net always on standby—covering payroll gaps, inventory, or surprise expenses without reapplying.

Learn more about lines of credit

  • Draw only what you need, when you need it
  • Pay interest on the drawn balance only
  • Credit replenishes as you repay
  • No prepayment penalties
Fastest cash

Short-Term Loans

A single lump sum deposited fast and repaid over a short, predictable window. Ideal when you have a clear, near-term use for the money and want to be done with it quickly.

Amounts
$5K – $250K
Terms
3 – 18 months
Speed
24–48 hr approval

Best for: A specific, time-sensitive need—buying inventory for a big order, covering an unexpected repair, or bridging payroll before a large invoice clears.

Learn more about short-term loans

  • Fixed, predictable payments
  • Funds in your account in as little as a day
  • Simple, transparent total cost
  • Renew early once you've paid down
For big bets

Long-Term Loans

Larger amounts and longer runways for the moves that build lasting value—lower monthly payments stretched over years so your growth investment doesn't strain day-to-day cash.

Amounts
$25K – $5M
Terms
1 – 5 years
Speed
2–5 business days

Best for: Major expansions, opening a new location, acquisitions, or refinancing higher-cost debt into one manageable payment.

Learn more about long-term loans

  • Lower monthly payments over a longer term
  • Funding up to $5,000,000
  • Competitive fixed rates
  • Build business credit as you repay
Unlock cash now

Invoice Factoring

Sell your unpaid invoices to Pulse and get most of the value in cash today instead of waiting 30, 60, or 90 days. We collect from your customer; you keep the cash flow moving.

Advance
Up to 90% of invoice
Terms
Per-invoice, ongoing
Speed
Same-day funding

Best for: B2B businesses with long payment cycles—staffing, trucking, manufacturing, wholesale—that need to bridge the gap between invoicing and getting paid.

Learn more about invoice factoring

  • Turn receivables into same-day cash
  • No new debt on your balance sheet
  • Funding scales with your sales
  • We handle collections for you
Grow your capacity

Equipment Financing

Buy the machinery, vehicles, or technology your business needs now and pay for it over time. The equipment itself serves as collateral, which often means better rates and easier approval.

Amounts
$10K – $2M
Terms
1 – 6 years
Speed
1–3 business days

Best for: Buying trucks, ovens, HVAC units, CNC machines, medical or dental equipment, or upgrading tech—without tying up your working capital.

Learn more about equipment financing

  • Finance up to 100% of equipment cost
  • The equipment secures the loan
  • Potential tax advantages
  • Keep cash free for operations
Sales-based

Merchant Cash Advance

Receive a lump-sum advance against your future card sales and repay automatically as a small, fixed percentage of each day's receipts. Payments flex with your revenue—lighter on slow days, faster on busy ones.

Amounts
$5K – $500K
Repayment
% of daily card sales
Speed
Same-day / next-day

Best for: Retail, restaurants, salons, and other high-card-volume businesses with seasonal swings that want repayment to rise and fall with sales.

Learn more about merchant cash advances

  • Repayment flexes with daily revenue
  • Very fast access to cash
  • Approval based on sales, not just credit
  • No fixed monthly payment to stress over
Lowest rates

SBA Loans

Government-backed loans offering some of the lowest rates and longest terms available to small businesses. The paperwork can be heavy—so we guide you through every step and handle the back-and-forth.

Amounts
$50K – $5M
Terms
Up to 10+ years
Speed
Weeks (we expedite)

Best for: Established businesses making a major, long-term investment who want the lowest possible cost of capital and can wait a bit longer for funding.

Learn more about SBA loans

  • Among the lowest rates available
  • Long repayment terms, low payments
  • A dedicated specialist manages your file
  • Funds for nearly any business purpose
Plan your payments

Funding calculator

Slide to estimate what a Pulse Capital funding amount might cost. Adjust the amount, term, and factor rate to see an instant payment estimate.

Estimated monthly payment
$4,917
Total repayment$59,000
Total cost of capital$9,000

Estimate only. Figures are illustrative and not an offer of credit. Actual amounts, rates, and terms depend on underwriting. Pulse Capital is a fictional demo company.

Side by side

Compare funding at a glance

A quick reference to find the product that fits your goal, timeline, and budget.

ProductAmountsTypical TermsFunding SpeedBest For
Line of Credit$5K – $500K6–24 mo. revolvingAs fast as same-dayFlexible, ongoing cash needs
Short-Term Loan$5K – $250K3–18 months24–48 hoursQuick, specific needs
Long-Term Loan$25K – $5M1–5 years2–5 business daysExpansion & big investments
Invoice FactoringUp to 90% of invoicePer-invoiceSame-dayB2B with slow-paying clients
Equipment Financing$10K – $2M1–6 years1–3 business daysBuying equipment & vehicles
Merchant Cash Advance$5K – $500K% of daily salesSame-day / next-dayHigh card-volume businesses
SBA Loan$50K – $5MUp to 10+ yearsWeeks (expedited)Lowest-cost, long-term capital
Simple by design

However you fund, it's three steps

Apply & submit

A 5-minute online application and a secure connection to your bank statements. No hard credit check to start.

Underwrite & approve

We review real cash flow and return tailored options in 24–48 hours.

Sign & fund

E-sign your offer and receive funds—often same-day or next-day.

Find your perfect fit in minutes.

Tell us your goal and an advisor will match you to the right product—no obligation, no hard credit check.

Apply now Talk to an advisor