Home | Business Funding Programs
7 Programs · 1 Application · No Upfront Fees
Business Funding Programs for Every Stage of Growth
Compare every financing option in our verified lender network — amounts, speeds, credit requirements, and ideal use cases — all in one place. Then apply once and let us match you.
⚡Funding in as little as 24 hours
🔗One application · Multiple lenders
💳Credit scores from 500
🚫Zero upfront fees · Ever
🏦Secured and unsecured options
What Does Your Business Need Right Now?
Every program below is designed for a different business situation. Find yours in seconds — then jump to the full program detail.
💰
I need cash for operations
Payroll, inventory, rent, marketing — funds needed fast for day-to-day needs.
💳
I have strong card revenue but need fast cash
Restaurant, retail, or service business with consistent card processing volume.
🔄
I want a revolving safety net
Flexible access to capital I can draw and repay repeatedly as needed.
🚛
I need to buy equipment or a vehicle
Truck, machinery, restaurant equipment, or medical device — specific asset purchase.
📄
My clients are slow to pay my invoices
B2B business with outstanding unpaid invoices creating a cash flow gap.
🏛️
I want the best rates and longest terms
Established 2+ year business with good credit ready for a bank-level loan.
🎯
I’m not sure which program fits
Submit your profile and we’ll identify which programs you likely qualify for.
Soft credit check only · Results in minutes · No obligation
Every Program in Our Lending Network — In Detail
Full details on amounts, speed, qualification requirements, best uses, advantages, and limitations for every program Eagle Business Loans offers through its verified lender network.
💰 Working Capital Loans
Short-term lump-sum funding for operational needs — the most widely used program in our network.
⚡ Funded in 24–48 Hours
Funding Amount
Term Length
Min. Credit Score
Min. Monthly Revenue
Time in Business
Collateral Required
→ Payroll and staffing costs
→ Inventory purchases and restocking
→ Seasonal cash flow management
→ Marketing and advertising campaigns
→ Rent and lease obligations
→ Unexpected operational expenses
→ Bridge financing between receivables
Fastest funding in the network — 24–48 hours from approval
No collateral required — fully unsecured
Accessible with credit scores starting at 500
Minimal documentation — bank statements + ID
Flexible use of funds — no restrictions
Higher cost than SBA or bank loans
Shorter repayment term (3–18 months)
Ideal for: Established businesses needing fast, flexible operational capital. Most common first program for Eagle Business Loans clients.
💳 Merchant Cash Advances
⚡ Funded in 24–48 Hours
Advanced Amount
Repayment
Factor Rate
Min. Credit Score
Min. Monthly Revenue
Collateral Required
→ Emergency cash flow needs
→ Seasonal inventory stocking
→ Restaurant and retail operations
→ Marketing during peak season
→ Equipment repairs without large purchase
→ Bridging slow payment periods
→ When credit is challenged but sales are strong
Approval based heavily on revenue — not just credit
Repayments flex with revenue — slow weeks = lower payment
No collateral required
Fastest approval in the network
Accessible with credit from 500
- Factor rate (not interest rate) — total cost is fixed upfront
- Higher cost than term loans — review full repayment carefully
- Daily ACH reduces business account balance
Ideal for: Restaurants, retail, and service businesses with strong card volume. Understand the factor rate and total payback before signing.
🔄 Business Lines of Credit
⏱ Funded in 48–72 Hours
Credit Limit
Draw Period
Minimum Credit Score
Minimum Monthly Revenue
Time in Business
Collateral Required
→ Ongoing cash flow management
→ Seasonal revenue gaps
→ Unexpected expenses or opportunities
→ Inventory replenishment cycles
→ Financial safety net for growth-phase businesses
→ Short-term bridge between invoices and payment
Interest charged only on amount drawn — not full limit
Reusable — repay and redraw without reapplying
More flexible than term loan for variable needs
Builds business credit profile with on-time repayment
- Higher credit score required than working capital or MCA
- 12-month operating history typically required
- Secured LOC requires collateral (higher limits)
Ideal for: Established businesses (12+ months) needing ongoing, flexible access to capital rather than a one-time lump sum.
📅 Funded in 3–7 Days
Financing Amount
Term Length
Minimum Credit Score
Down Payment
Time in Business
Collateral
→ Commercial trucks and trailers
→ Construction equipment (excavators, cranes, skid steers)
→ Restaurant and kitchen equipment
→ Medical and dental equipment
→ HVAC, plumbing, and electrical tools
→ Manufacturing machinery
→ Farming and agricultural equipment
Equipment serves as collateral — accessible from 500 credit
Available after just 3–6 months in business
Longer repayment terms than working capital
Potential Section 179 tax deduction (consult CPA)
Preserves working capital for operations
- Finance new and used equipment
- Equipment quote or purchase agreement required
Ideal for: Trucking operators, contractors, restaurants, medical practices, or any business acquiring a specific revenue-generating asset.
⚡ Cash in 24 Hours
Advance Rate
Factoring Fee
Minimum Credit Score
Minimum Revenue
Time in Business
Collateral
→ Construction and subcontractor draw requests
→ Freight and trucking (freight factoring)
→ Staffing agencies with payroll timing gaps
→ Manufacturing and wholesale distributors
→ B2B service providers (IT, marketing, consulting)
→ Government contractors
→ Any B2B business with net-30/60/90 terms
No credit score minimum — your client’s credit matters
No revenue minimum — invoice value is the qualifier
Available to businesses as young as a few months old
Fastest cash access — 24 hours from submission
Not a loan — no debt on your balance sheet
- Only for B2B (business-to-business) invoices
- Factor notifies your client (recourse factoring)
- Ongoing fees as invoice ages
Ideal for: Construction subcontractors, trucking companies, staffing firms, and any B2B business waiting 30–90 days for clients to pay. View full invoice factoring page →
⚡ Funded in 24–72 Hours
Funding Amount
Repayment %
Minimum Credit Score
Minimum Monthly Revenue
Time in Business
Collateral
→ Seasonal businesses with revenue peaks and troughs
→ SaaS and subscription businesses
→ Service businesses with variable monthly income
→ Growth capital when revenue trajectory is strong
→ Businesses uncomfortable with fixed monthly payments
Payments scale down automatically in slow months
No fixed monthly obligation — protects cash flow
No collateral required
Repay faster when revenue is strong — cost drops
- Total cost depends on revenue velocity — can be unpredictable
- Less common than working capital or MCA — fewer lender options
Ideal for: Seasonal businesses and service companies with variable monthly revenue who want repayments to match their actual performance.
📅 3–8 Weeks to Fund
SBA 7(a) Amount
SBA 504 Amount
Term Length
Min. Credit Score
Time in Business
Collateral
→ Business acquisition and ownership transfer
→ Real estate purchase (SBA 504)
→ Major expansion or renovation
→ Large equipment purchases (SBA 504)
→ Long-term working capital for established operations
→ Refinancing existing high-cost debt
→ Franchise acquisition
Lowest interest rates available to small businesses
Longest repayment terms (10–25 years)
Largest funding amounts (up to $5.5M)
Government guarantee reduces lender risk
- Longest approval process — 3 to 8 weeks minimum
- 640+ credit score required
- 2 years in business required
- Extensive documentation: tax returns, financials, business plan
- Collateral and personal guarantee often required
Ideal for: Established businesses (2+ years, 640+ credit) making major strategic investments — real estate, acquisitions, or large equipment. Not suitable for urgent needs.
All 7 Programs Side by Side
Full comparison across every key factor — funding amount, speed, credit score, revenue minimum, collateral, and best use case.
| Program | Amount | Speed | Credit | Revenue | Collateral | Best For |
|---|---|---|---|---|---|---|
| Working Capital | $5K–$500K | 24–48 hrs | 500+ | $10K/mo | None | Operations, payroll, inventory |
| Merchant Cash Advance | $5K–$500K | 24–48 hrs | 500+ | $10K/mo | None | Restaurants, retail, card revenue |
| Line of Credit | $10K–$500K | 48–72 hrs | 580+ | $15K/mo | Varies | Revolving cash needs, safety net |
| Equipment Financing | $10K–$2M | 3–7 days | 500+ | $8K/mo | Equipment | Trucks, machinery, medical equip. |
| Invoice Factoring | Invoice value | 24 hrs | No min. | No min. | Invoices | B2B, construction, trucking |
| Revenue-Based | $10K–$500K | 24–72 hrs | 520+ | $10K/mo | None | Variable / seasonal revenue |
| SBA 7(a) / 504 | Up to $5.5M | 3–8 weeks | 640+ | $20K/mo | Often req. | Expansion, real estate, acquisition |
All figures represent typical ranges across our lender network. Individual approvals may vary. Requirements shown are minimums — higher revenue, credit score, and operating history improve terms. No approval is guaranteed.
Real World Examples
Recent Funding Scenarios
These represent the types of businesses and programs matched across our NC network.
Working Capital Loan
Wilmington Restaurant — Pre-Season Inventory Push
| Funding Amount | $65,000 |
| Business Type | Restaurant |
| Time to Fund | 36 hours |
| Credit Score | 562 |
| Monthly Revenue | $38,000 |
| Use of Funds | Inventory + staff |
Equipment Financing
Jacksonville Owner-Operator — Kenworth T680
| Financing Amount | $118,000 |
| Business Type | Trucking |
| Time to Fund | 6 days |
| Credit Score | 538 |
| Term | 60 months |
| Collateral | Truck (Kenworth T680) |
Invoice Factoring
Raleigh Electrical Sub — Draw Schedule Gap
| Invoice Amount | $112,000 |
| Business Type | Construction (Elec.) |
| Time to Fund | 24 hours |
| Credit Score | Not evaluated |
| Advance Rate | 88% |
| Factoring Fee | 2.1% / 30 days |
Merchant Cash Advance
Charlotte Retail Boutique — Holiday Inventory
| Funding Amnt | $65,000 |
| Business Type | Restaurant |
| Time to Fund | 36 hours |
| Credit Score | 562 |
| Monthly Revenue | $38,000 |
| Use of Funds | Inventory + staff |
Business Line of Credit
Morehead City Landscaper — Seasonal Bridge
| Credit Limit | $75,000 |
| Business Type | Landscaping |
| Time to Fund | 48 hours |
| Credit Score | 598 |
| Monthly Revenue | $22,000 |
| Time in Business | 3.5 years |
SBA 7(a) Loan
Greenville Medical Practice — Expansion & Equipmentv
| Loan Amount | $450,000 |
| Business Type | Medical Practice |
| Time to Fund | 38 days |
| Credit Score | 698 |
| Term | 10 years |
| Use of Funds | Expansion + equip. |
Who These Programs Serve
Which Program Is Right for Your Situation?
Not sure which program fits your business? These common scenarios map directly to the programs most likely to result in approval.
🆕 Business Under 12 Months Old
Very new businesses have fewer program options, but access to capital is not impossible. Equipment financing is available after just 3–6 months if you’re purchasing an asset. Invoice factoring is available immediately if you have outstanding B2B invoices. Working capital and MCA programs open at 6 months with $10K+ monthly revenue.
| Equipment Financing | Invoice Factoring |
| MCA (6 mo+) | Working Capital (6 mo+) |
💳 Business with Challenged Credit (500–580)
Below-average credit doesn’t eliminate your options in our network. Working capital and MCA programs are accessible from 500 credit — lenders evaluate bank deposit consistency and monthly revenue heavily alongside credit. Equipment financing uses the purchased asset as collateral, reducing credit score weight significantly.
| Working Capital | MCA |
| Equipment Financing | Invoice Factoring |
📅 Seasonal Business — Revenue Swings
Restaurants with summer peaks, landscapers with spring/fall surges, and retail with holiday spikes — seasonal revenue patterns are understood by lenders in our network. Apply during or after your peak season when bank statements show your best performance. Revenue-based financing adjusts payments automatically with your revenue cycle.
| Working Capital | Line of Credit |
| Revenue-Based Financing | MCA |
🏗️ B2B Business with Slow-Paying Clients
Construction subcontractors, staffing firms, trucking companies, and B2B service providers often have 30–90 day payment cycles that create significant cash flow gaps. Invoice factoring converts those outstanding invoices into cash within 24 hours — with no credit score minimum and no revenue minimum. The primary qualifier is your client’s creditworthiness.
| Invoice Factoring | Line of Credit |
| Working Capital |
🏛️ Established Business — Best Rates Priority
If your business has 2+ years of operating history, a 640+ credit score, and solid financials, SBA loan programs offer significantly lower rates and longer terms than any alternative lending product. The tradeoff is a 3–8 week approval timeline. For established businesses not in a hurry, SBA is often the most cost-effective option.
| SBA 7(a) | SBA 504 |
| Line of Credit (secured) |
⚡Emergency Cash Need — 24–48 Hours
Payroll due Friday. Supplier requiring immediate payment. Equipment breakdown causing revenue loss. When capital is needed in hours, not weeks, working capital loans and merchant cash advances are the right tools — both funded in 24–48 hours with minimal documentation and no collateral required.
| Working Capital | MCA |
| Invoice Factoring |
How Eagle Business Loans Gets Paid
Full Transparency on Our Compensation Model
As an Independent Sales Organization (ISO), Eagle Business Loans is compensated by the lender — not by you. When a funding transaction closes through our network, the lending partner pays Eagle Business Loans an origination or referral fee. You pay nothing to Eagle Business Loans — before, during, or after the funding process.
$0 Charged to Borrowers
Eagle Business Loans has never charged an upfront fee to a borrower and never will. Our revenue comes from lending partners at closing.
$0 Charged to Borrowers
Eagle Business Loans has never charged an upfront fee to a borrower and never will. Our revenue comes from lending partners at closing.
$0 Charged to Borrowers
Eagle Business Loans has never charged an upfront fee to a borrower and never will. Our revenue comes from lending partners at closing.
Disclosure: Eagle Business Loans receives an origination or referral fee from the lender when a transaction closes. This fee is paid entirely by the lending partner — not by the borrower. The existence of this compensation creates an incentive for Eagle Business Loans to match borrowers with lenders in our network. We address this by providing full disclosure of the fee arrangement and by presenting all programs your profile qualifies for — not only the highest-commission options. Learn more on our Why Use a Broker page.
HOW TO QUALIFY
What Restaurant Owners Need
to Qualify for Funding
How the ISO Model Gives You Access to More Programs Than Direct Applications
When a business owner applies directly to a single lender, they get a yes or no based on that lender’s specific underwriting criteria. Every lender — even within the alternative lending space — has a profile they prefer: certain industries, certain revenue ranges, certain credit bands, certain deal sizes. A business that doesn’t match that profile gets declined, without ever knowing which lender would have said yes.
Eagle Business Loans, as an ISO, maintains active relationships with lenders across all seven program categories. When you submit an application, we evaluate your profile — revenue trend, credit score, time in business, industry, and intended use of funds — and match you to the lenders in our network whose criteria align with your specific situation. This dramatically increases your odds of approval and frequently results in better terms than a direct application would have produced, because we can negotiate across multiple lenders simultaneously.
Secured vs. Unsecured Business Funding — Which Is Right for You?
The distinction between secured and unsecured funding is one of the most important — and most misunderstood — concepts in business lending. Unsecured programs (working capital loans, MCAs, revenue-based financing) require no collateral. Your approval is based on your revenue, credit, and banking history alone. These programs are faster, simpler, and accessible to businesses without significant owned assets — but the cost of capital is typically higher, reflecting the lender’s increased risk.
Secured programs (equipment financing, secured lines of credit, SBA loans) require collateral — a physical asset the lender can claim in a default scenario. The tradeoff is significantly better terms: lower rates, longer repayment periods, and higher loan amounts. Equipment financing is the unique middle ground: the purchased asset serves as its own collateral, making it accessible at lower credit scores than most unsecured programs while still offering the longer terms and lower rates of a secured product.
Eagle Business Loans will always present both secured and unsecured options when both are available for your profile — so you can make an informed decision about the cost-versus-simplicity tradeoff for your specific situation.
Understanding Factor Rates vs. Interest Rates — The Critical Distinction
Working capital loans and merchant cash advances often use a factor rate rather than an interest rate to express their cost. A factor rate of 1.30, for example, means for every dollar borrowed, you repay $1.30 — regardless of how quickly you repay. This is fundamentally different from an interest rate, where faster repayment reduces total interest paid.
Understanding factor rates is essential before signing any MCA or short-term working capital agreement. Eagle Business Loans discloses the full factor rate, the total repayment amount, and the daily or monthly payment amount for every offer we present — before you sign. If any lender or broker presents only a “cents on the dollar” or percentage figure without showing you the total repayment amount, ask for it explicitly. The total repayment amount is the number that matters most in evaluating any short-term financing offer.
Business Funding for North Carolina Businesses — What Makes NC Different
North Carolina’s business landscape is unusually diverse — from coastal tourism and hospitality businesses in the Outer Banks and Crystal Coast, to military-adjacent construction and logistics in Jacksonville and Camp Lejeune, to medical and tech sectors in the Research Triangle, to manufacturing and distribution in the Piedmont Triad, to agriculture and agribusiness throughout the eastern counties. Eagle Business Loans’ lender network covers all of these sectors, with specific experience in the industries most common to each NC market.
North Carolina businesses face some unique funding timing considerations. Coastal businesses (Morehead City, Wilmington, Outer Banks) typically apply for working capital in late winter and early spring to prepare for the summer peak. Construction businesses in Jacksonville often need equipment financing tied to base construction contract awards. Raleigh-area tech and medical businesses frequently need lines of credit to bridge insurance reimbursement cycles or contract milestone payments. Our team understands these NC-specific patterns and can help you time your application for the best outcome.
Which Program Fits You?
→ Working Capital — payroll, inventory, ops
→ MCA — card revenue, restaurants, retail
→ Line of Credit — revolving, ongoing needs
→ Equipment — specific asset purchase
→ Invoice Factoring — slow-paying B2B clients
→ Revenue-Based — variable / seasonal revenue
→ SBA — best rates, 2+ year established biz
Frequently Asked Questions: Business Funding Questions
How long does it take to get business funding through Eagle Business Loans?
It depends on the program. Working capital loans and merchant cash advances are typically funded in 24–48 hours from approval. Lines of credit take 48–72 hours. Equipment financing typically takes 3–7 days (equipment verification adds time). Invoice factoring can fund within 24 hours. SBA loans take 3–8 weeks due to the government guarantee process. We’ll always tell you the realistic timeline for your specific program before you begin the application.
Can I apply for more than one program at the same time?
Yes — and this is one of the advantages of working through an ISO. Eagle Business Loans can evaluate your profile for multiple programs simultaneously and identify which combination of programs best serves your needs. For example, a trucking company might qualify for both equipment financing (for a new truck) and invoice factoring (for freight receivables) — and both can be active at the same time through different lenders in our network.
What’s the difference between a working capital loan and a merchant cash advance?
Both are fast, unsecured, and accessible from 500 credit — but they work differently. A working capital loan is a lump sum repaid in fixed daily or weekly installments over a set term. An MCA is also a lump sum, but repayment is a fixed percentage of your daily card and bank deposits — meaning payments fluctuate with your revenue. MCA tends to be better for card-heavy businesses (restaurants, retail) where the revenue percentage model is natural. Working capital loans work better for businesses that prefer a predictable repayment schedule.
Does Eagle Business Loans work with businesses that have been declined by a bank?
Yes — this is one of our most common situations. Bank declines happen because banks have narrow underwriting criteria built for their risk profile. The alternative lenders in our network specifically serve businesses banks consistently underserve. A bank decline based on credit score, operating history, or revenue does not predict an outcome through Eagle Business Loans’ network. Many businesses that were declined by their bank have been funded through programs in our network within 48 hours.
Are there any upfront fees to apply or get funded through Eagle Business Loans?
No — never. Eagle Business Loans charges zero fees to borrowers before, during, or after the funding process. Our compensation comes from lending partners at closing. This is a fundamental commitment, not a policy that changes under certain circumstances. If any company claims to be Eagle Business Loans and requests a fee before funding, it is not us — report it as fraud.
How does invoice factoring differ from a working capital loan?
Invoice factoring is not a loan — it’s the sale of an outstanding invoice at a discount. You receive 80–95% of the invoice value immediately; when your client pays, the factor releases the remaining 5–20% minus their fee. There is no debt on your balance sheet, no credit score minimum, and no repayment schedule — the invoice itself resolves the transaction. Working capital loans are true debt instruments with fixed repayment schedules. Invoice factoring is available to businesses of any age or credit standing, as long as they have creditworthy B2B clients.
What are typical interest rates for business loans through your network?
Rates vary significantly by program and by individual lender and borrower profile. SBA 7(a) loans currently range from approximately prime + 2.25% to prime + 4.75% (the lowest rates in the market). Equipment financing rates typically range from 5–25% depending on credit and asset type. Lines of credit range from 8–45%. Working capital loans and MCAs use factor rates (1.10–1.49) rather than interest rates — always ask for the total repayment amount in addition to the rate. Eagle Business Loans presents all rate information transparently before you sign.
Can a startup qualify for any of these programs?
Businesses under 6 months old have limited options, but two programs have no operating history minimum: equipment financing (available after 3 months, with the asset as collateral) and invoice factoring (available immediately if you have outstanding B2B invoices). At 6 months with $10,000+ monthly revenue, working capital loans and MCAs become available. Lines of credit and SBA loans require 12 and 24 months respectively. We recommend starting with equipment or factoring programs and building a funding track record that opens up additional options over time.
Requirements
Business Loan Requirements
Full qualification criteria for every program — credit scores, revenue minimums, time in business, and documents required.
Education
Why Use a Business Loan Broker?
How Eagle Business Loans’ ISO model gives you access to more lenders — and more approvals — than applying directly to a single lender.
Program Detail
Invoice Factoring — Full Guide
Complete breakdown of how factoring works, what it costs, which industries it serves, and how it compares to traditional loans.
Our Network
Our Lending Network
The verified lenders behind every program — why network diversity drives better approval rates and better terms for borrowers.
By Industry
Industries We Serve
Program recommendations and funding strategies tailored to restaurants, construction, trucking, medical, retail, and service businesses.
Free Tool
Funding Calculator & Pre-Qualification
Estimate your funding eligibility in under 2 minutes. No credit check, no commitment, no upfront fees of any kind.
One Application. Every Program. No Upfront Fees.
Submit your business profile once and Eagle Business Loans will identify which of our 7 funding programs you’re most likely to qualify for — and connect you with the right lender.
Soft credit inquiry only · No upfront fees · No obligation until you accept an offer
Eagle Business Loans
Eagle Business Loans is a licensed Independent Sales Organization (ISO) connecting small businesses with a verified nationwide network of lenders. We do not lend directly. Compensation is received from lending partners upon funding.
