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Startup Funding That Moves at Your Pace

Your business needs the right capital at every growth stage. Apply in minutes and see real offers instantly.

Scalable Startup Funding Packages & Customizable Financing Solutions

Pre-set capital for every stage. Or build your own custom package.

Just Starting

Working capital for your first hires and first customers

What it fundsProduct
Early-stage needs, sized to revenue
Startup
Everyday spend that builds credit
Credit Card
Vehicles, machinery, and technology
Equipment
Cash-flow gaps, drawn only as needed
Line of Credit

Best for: Pre-revenue or first-year businesses that need working capital to hire or lease space.

Set up your new business with the essential startup funding needed for a first lease and initial hiring. This package pairs a business credit card and a starter line of credit with equipment financing, so you can cover everyday costs and first purchases without draining cash. Perfect for founders who want to satisfy a landlord, make a first hire, and stay lean.

Growing

Capital to add locations, inventory, and people

What it fundsProduct
One-time investments and big orders
Term Loan
Cash-flow gaps, drawn only as needed
Line of Credit
Long-term growth at lower rates
SBA 7(a)
Vehicles, machinery, and technology
Equipment
Cash tied up in unpaid invoices
Invoice
Everyday spend that builds credit
Credit Card

Best for: Businesses with steady revenue adding people, inventory, or a second location.

Designed for fast-growing companies, this package scales with your revenue. It adds a term loan for one-time investments like a build-out or a large order, invoice financing to unlock cash tied up in receivables, and an SBA 7(a) option for business owners who can plan ahead for lower rates. Fund your next hire and your next customer at the same time as you scale.

Established

Bigger limits for property, acquisitions, and scale

What it fundsProduct
One-time investments and big orders
Term Loan
Cash-flow gaps, drawn only as needed
Line of Credit
Long-term growth at lower rates
SBA 7(a)
Vehicles, machinery, and technology
Equipment
Cash tied up in unpaid invoices
Invoice
Everyday spend that builds credit
Credit Card
Buying or refinancing your location
Real Estate

Best for: Established businesses with large teams, several locations, or an acquisition ahead.

Our most complete funding bundle for established business owners and scale-ups. This plan offers the highest limits, including commercial real estate loans to buy or refinance the property you operate from and SBA-backed terms for major expansions. Finance acquisitions, new markets, and larger inventory positions with offers from lenders who specialize in bigger deals.

Custom Package

Know exactly what you need?

Best for: Specialized industries like trucking, healthcare, or restaurants with unique cash flow.

Every business is different. Our custom startup package lets you pick the products and amounts that fit your industry and season. Whether you need fleet financing, a practice loan, or a short-term bridge before a bigger round, our funding specialists help you build a financing plan that matches your exact needs and timeline.

Essential Funding for All Growth Stages

We make sure your growing business is funded from every angle.

Specialty financing
1-14 days to fund

Startup Loans

Funding options for businesses under two years old, sized to early revenue and the owner’s personal credit profile.

1-14 days to fund

SBA 504 Loans

Long-term, fixed-rate financing for major assets like buildings and heavy equipment, backed by the SBA.

1-14 days to fund

SBA Express

A faster SBA option with a streamlined review for smaller amounts when you need government-backed terms quickly.

1-14 days to fund

Working Capital Loans

Short-term financing to cover payroll, inventory, or seasonal dips without tying up your line of credit.

1-14 days to fund

Franchise Financing

Capital to open or expand a franchise location, often paired with lenders who already know the brand.

1-14 days to fund

Acquisition Loans

Financing to buy an existing business or a competitor, structured around the target’s cash flow.

1-14 days to fund

Bridge Loans

Short-term capital that carries you between a cash need today and longer-term financing tomorrow.

1-14 days to fund

Inventory Financing

Loans or credit lines secured by the products on your shelves, ideal for retailers and wholesalers.

1-14 days to fund

Microloans

Smaller loans, typically under $50K, for very early businesses, sole proprietors, and community-based lenders.

1-14 days to fund

Truck & Fleet Financing

Purchase or refinance rigs, trailers, and delivery vehicles with terms matched to how carriers get paid.

1-14 days to fund

Restaurant Financing

Capital for kitchens, build-outs, and seasonal cash flow from lenders who understand food-service margins.

1-14 days to fund

Healthcare Practice Loans

Financing for practices and clinics to buy equipment, add providers, or open a second location.

Why Startups Choose FundLine

Every Product, One Application

Every loan product a startup needs in one place. Credit lines, term loans, SBA, and more.

Fast Decisions

Apply in 15 minutes, compare offers from 75+ lenders, and fund in as little as 24 hours.

Founder Focused

Built by founders, for founders. No impact to your credit to apply, and a specialist on call.

Questions, answered

Most businesses under two years old start with a business credit card, a starter line of credit, or equipment financing, since these are sized to early revenue and the owner’s personal credit. As revenue becomes steady, term loans, invoice financing, and SBA 7(a) loans open up.
Starter packages are typically smaller and priced higher than established-business programs. First-year businesses often see lines of credit from $5K to $50K, while growing companies with 12+ months of revenue commonly qualify for $50K to $500K at lower rates. Cost depends on time in business, revenue, credit history, and the products you select. Apply now to see actual offers, no sales call required.
Apply as soon as you have a registered business and a business bank account. Building a borrowing history early makes every later round of funding cheaper and faster. Waiting until cash is tight usually means fewer options and worse terms. Starting early with FundLine gets you matched from day one.
Not always. Some starter products, like business credit cards and equipment financing, lean on the owner’s personal credit and the asset being financed rather than revenue. Most lines of credit and term loans do look for a few months of deposits. Applying tells you exactly which products you qualify for today.
Most business owners complete the FundLine application in about 15 minutes and see offers within a few days. Once you accept an offer, many lenders can fund in as little as 24 hours. Our marketplace replaces the traditional 2-4 week bank underwriting cycle, so you can get funded before your next big decision.
FundLine Capital is a small business funding brokerage, not a single lender. One application goes to the lenders that fit your profile, so you compare real offers instead of waiting weeks for one answer. Read more about working with a funding broker vs. banks.
Filling out an application and submitting it to our lender network does not impact your personal credit score. Depending on the product and lender, accepting a funding offer may involve a hard credit inquiry, which the lender will disclose before you proceed.

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