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Small-business funding specialists · Nationwide
Compare small-business funding through one application, not eight.
Compare funding options by cost, repayment and fit. Now Biz Fund’s funding specialists help you prepare the next step. We are not a lender.
Updated October 26, 2026
At a glance
24–72hTypical decision window
$5K–$1MTypical request range
500+FICO considered by some programs
Funding specialists, not a lender
Why owners use a funding specialist instead of applying lender by lender.
Every lender and funding company underwrites differently. One prices on card volume, another on tax returns, a third on the equipment being bought, a fourth on the credit of your customers. Applying to each separately means repeating the same paperwork, collecting hard inquiries and still not knowing whether the offer in hand is competitive.
A funding specialist fixes the comparison problem. Now Biz Fund takes a single application, matches it against the funding partners whose programs fit the business, and lays the resulting offers side by side on the numbers that matter: total amount repaid, annualized cost, term, payment frequency, prepayment treatment and what security is required. We do not lend money, and we never present a market range as an offer.
The ranges published on this site are compiled from lender and marketplace guidelines as of September 2026. They are there to help you orient, not to promise a result; approval, cost, speed and amount always depend on underwriting, verification and the specific funding partner.
How it works
From eligibility form to funded, in five steps.
A specialist reviews fit
Within a business day, a funding specialist looks at revenue consistency, time in business, existing obligations and use of funds, then calls to explain which of the eight products realistically apply and what each would cost across the published range.
Documents through a private link
If there is a fit, you receive a secure application link for bank statements and any product-specific documents. Nothing sensitive is ever collected by email or on the public site.
Funding partners respond
One file goes to the partners whose programs match. Offers come back with total payback, term, payment schedule, fees and prepayment terms, and we put them side by side so they can be compared directly.
You decide
There is never an obligation to accept. Most decisions arrive within 24 to 72 hours of a complete file; SBA loans take longer. If an offer does not make sense for the business, we say so.
Eight products, one application
The products we arrange, with published market guidelines.
Figures are typical market ranges as of September 2026, not Now Biz Fund offers. Each product has dedicated pages by state and city with documents, uses, cautions and a payment estimator.
| Product | Amount to discuss | Time to fund | Pricing structure | Eligibility review |
|---|---|---|---|---|
| Merchant cash advance | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted remittance amount and fees; a factor rate is not APR | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Business term loan | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Quoted interest and fees; compare net proceeds and total repayment | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Business line of credit | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Interest or installment fees by provider; check draw and maintenance charges | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| SBA loan | Program-specific; 7(a) maximum $5 million | Provider-dependent; confirm availability of funds | Lender-negotiated interest subject to applicable SBA program limits; fees may apply | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Equipment financing | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Loan interest or lease payments; compare deposit, fees and ownership terms | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Invoice factoring | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted invoice fee, fee period, reserve and any additional charges | Provider assesses business and eligible invoices; Customer and owner checks depend on the agreement |
| Revenue-based financing | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted repayment cap and fees; check revenue reconciliation terms | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Working capital loan | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Quoted interest or factor pricing and fees; compare the complete payment schedule | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
Merchant cash advance
The fastest product and usually the most expensive. An advance against future sales, repaid from daily or weekly card or bank deposits. Fits steady-revenue businesses that need capital this week and can absorb frequent remittances.
Best for: fast working capital when revenue is steady but credit or time in business rules out bank financing. Watch for: daily remittance can strain thin-margin weeks.
Business term loan
A lump sum with a fixed payment and a defined payoff date. The right tool for a one-time investment with a clear return: equipment, a buildout, an expansion or refinancing costlier debt.
Best for: one-time investments with a clear payoff: equipment, buildout, expansion, refinancing expensive debt. Watch for: ask whether a personal guarantee or security is required.
Business line of credit
Revolving capital you draw as needed and pay interest on only while drawn. Built for recurring or unpredictable gaps such as payroll timing, inventory restocks and seasonal dips.
Best for: recurring or unpredictable needs: payroll gaps, inventory restocks, seasonal dips. Watch for: unused lines can be reduced or closed by the lender.
SBA loan
Government-guaranteed loans made by approved lenders, with the longest terms and lowest rates available to most small businesses. Slow and document-heavy, best for established businesses that can wait.
Best for: long-term, lower-cost capital when the business can wait and has clean financials. Watch for: eligibility and documentation depend on the program and lender.
Equipment financing
Financing secured by the equipment itself, often covering most of the purchase price. Vehicles, machinery, medical and restaurant equipment and technology, with terms matched to useful life.
Best for: vehicles, machinery, medical or restaurant equipment, technology. Watch for: the equipment is collateral and can be repossessed.
Invoice factoring
An advance on unpaid B2B invoices, settled when the customer pays. Underwritten on your customers' credit more than your own, which makes it workable for newer businesses with strong customers.
Best for: b2b businesses waiting 30 – 90 days on invoices: trucking, staffing, construction subcontractors, wholesale. Watch for: confirm customer notification and payment instructions.
Revenue-based financing
Capital repaid as a fixed percentage of monthly revenue until a cap is reached, so payments rise and fall with sales. A fit for e-commerce, subscription and seasonal businesses.
Best for: e-commerce, subscription and seasonal businesses that want payments to flex with sales. Watch for: fast growth means faster, costlier repayment.
Working capital loan
Short-term loans for short-term gaps: inventory before a busy season, a tax bill, a large order, payroll. Quick to fund; compare total payback, not the headline rate.
Best for: short gaps: inventory before a busy season, payroll, a tax bill, a large order. Watch for: short terms mean high payments relative to the amount.
Plan around the amount
Funding by amount
Each amount page explains which products tend to fit that request size, the published credit and timing guidelines, and what helps a review at that level.
$5,000 Business LoanShort-term cash-flow gaps$10,000 Business LoanNear-term operating needs$25,000 Business LoanA defined operational project$50,000 Business LoanA focused growth move$75,000 Business LoanA larger project with a clear budget$100,000 Business LoanMeaningful operating or expansion capital$150,000 Business LoanExpansion with a defined repayment plan$250,000 Business LoanExpansion-scale investment$500,000 Business LoanComplex expansion or acquisition
Funding by industry
Guides for the businesses we see most.
Cash-flow cycles, equipment, seasonality and customer payment terms differ by industry, and so do the products that fit. Each guide below opens the Los Angeles edition; every city hub in the directory links the same eighteen guides for its own market.
NO. 01Restaurant$5K–$500K typical requestsNO. 02Healthcare$25K–$1M typical requestsNO. 03Construction$5K–$500K typical requestsNO. 04Retail$5K–$500K typical requestsNO. 05Salon$5K–$500K typical requestsNO. 06Trucking$5K–$500K typical requestsNO. 07Fast Business$5K–$500K typical requestsNO. 08Bad Credit$5K–$500K typical requestsNO. 09Cash Flow$5K–$500K typical requestsNO. 10Auto Repair$5K–$500K typical requestsNO. 11Dental$25K–$1M typical requestsNO. 12Gym$5K–$500K typical requestsNO. 13Cleaning$5K–$500K typical requestsNO. 14Landscaping$5K–$500K typical requestsNO. 15E-commerce$5K–$500K typical requestsNO. 16Manufacturing$25K–$1M typical requestsNO. 17Hospitality$5K–$500K typical requestsNO. 18Real Estate$25K–$1M typical requests
Major metros
Industry guides for the largest markets.
Flagship city hubs for the nine states in the directory, with the industry guides that generate the most requests in each.
New York City, NY
Restaurant funding in New York CityReal Estate funding in New York CityConstruction funding in New York CityHealthcare funding in New York CityLos Angeles, CA
Manufacturing funding in Los AngelesTrucking funding in Los AngelesRestaurant funding in Los AngelesHealthcare funding in Los AngelesChicago, IL
Trucking funding in ChicagoManufacturing funding in ChicagoRestaurant funding in ChicagoConstruction funding in ChicagoBoston, MA
Healthcare funding in BostonCleaning funding in BostonConstruction funding in BostonRestaurant funding in BostonPhiladelphia, PA
Healthcare funding in PhiladelphiaRestaurant funding in PhiladelphiaManufacturing funding in PhiladelphiaConstruction funding in PhiladelphiaHouston, TX
Trucking funding in HoustonConstruction funding in HoustonHealthcare funding in HoustonRestaurant funding in HoustonMiami, FL
Restaurant funding in MiamiReal Estate funding in MiamiHospitality funding in MiamiConstruction funding in MiamiLocal funding directory
Nine states, 108 cities, every product.
State hubs cover each state's economy, its commercial-financing disclosure rules and its SBA district offices; city hubs add local industries, corridors and typical uses. Businesses in every U.S. state are served through the same form.
California26 city hubs · 8 product pagesColorado7 city hubs · 8 product pagesIllinois10 city hubs · 8 product pagesMassachusetts9 city hubs · 8 product pagesNew York13 city hubs · 8 product pagesPennsylvania11 city hubs · 8 product pagesWashington8 city hubs · 8 product pagesTexas12 city hubs · 8 product pagesFlorida12 city hubs · 8 product pagesFull directoryAll states, cities, products and amounts
What a funding specialist actually does
Honest reasons to use one, and one honest caveat.
Comparison you cannot get alone
Funding partners price the same business very differently. Seeing several offers on the same total-cost basis is the single biggest lever an owner has over what capital costs, and it is impractical to assemble lender by lender.
One application, one set of documents
Bank statements, entity documents and product-specific paperwork are collected once through a private link and reused across partners. Fewer forms, fewer inquiries, less time away from the business.
No hard credit pull to get options
The eligibility review is a soft inquiry. A hard pull happens only when you choose to proceed with a specific partner's final underwriting, and only after you are told.
Total cost, in plain language
Factor rates, weekly fees and APRs are not comparable at a glance. We translate every offer into total payback, term and payment schedule, and we point out the trade-offs, including when the cheapest option is to wait.
The caveat
A funding specialist cannot make a business qualify. Approval, amount, speed and cost are decided by funding partners on their own underwriting. What a funding specialist changes is how many partners look, how well the file is presented and how clearly the results are explained.
Who we are
Now Biz Fund is a team of small-business funding specialists with more than five years in the industry, serving businesses in all fifty states by phone, email and a secure online application. We do not publish invented reviews, client names or funding totals; the process described here is the whole pitch.
Qualification guidelines
What funding partners typically look for.
Published market minimums by product. These are guidelines, not approval criteria: consistent deposits, a clear use of funds and no recent defaults matter more than any single number.
| Product | Time in business | Revenue | Credit profile |
|---|---|---|---|
| Merchant cash advance | Operating-history requirements vary by provider | Document recurring revenue and repayment capacity | Ask which personal and business credit checks apply |
| Business term loan | Operating-history requirements vary by provider | Document recurring revenue and repayment capacity | Ask which personal and business credit checks apply |
| Business line of credit | Operating-history requirements vary by provider | Document recurring revenue and repayment capacity | Ask which personal and business credit checks apply |
| SBA loan | Operating-history requirements vary by provider | Document recurring revenue and repayment capacity | Ask which personal and business credit checks apply |
| Equipment financing | Operating-history requirements vary by provider | Document recurring revenue and repayment capacity | Ask which personal and business credit checks apply |
| Invoice factoring | Provider assesses business and eligible invoices | Eligible invoices and customer review required | Customer and owner checks depend on the agreement |
| Revenue-based financing | Operating-history requirements vary by provider | Document recurring revenue and repayment capacity | Ask which personal and business credit checks apply |
| Working capital loan | Operating-history requirements vary by provider | Document recurring revenue and repayment capacity | Ask which personal and business credit checks apply |
Payment estimator
Estimate a payment before you apply.
Illustrative figures for a $50,000 business term loan across the published market range. Switch products and amounts in the estimator; nothing here is an offer.
$2,028 per month and $73,003 in total payback (26.5% assumed annual interest; 36 months; fees excluded).
Hypothetical figures using the stated term or collection period. Fees are excluded. Revenue-based amounts are averages over an assumed period, not fixed payments.
| Scenario | Estimated payment | Total payback / customer settlement | Basis |
|---|---|---|---|
| Lower scenario input | $1,567 / month | $56,405 | 8.0% assumed annual interest; 36 months; fees excluded |
| Midpoint | $2,028 / month | $73,003 | 26.5% assumed annual interest; 36 months; fees excluded |
| Higher scenario input | $2,554 / month | $91,927 | 45.0% assumed annual interest; 36 months; fees excluded |
- Funding specialists, not a lender
- 5+ years in the industry
- No hard credit pull to apply
- Review and funding times vary by provider
- Serving small businesses in all 50 states
- Offers compared on total payback
Secure eligibility check
Fast Funding Review
Share your business details and requested amount to start a confidential, no-obligation review. This step does not use a hard credit pull.
- No hard credit pull to apply
- Review and funding times vary by provider
- 5+ years in the industry
- Encrypted, private document handling
Common questions
Useful answers before you begin.
How fast can a small business get reviewed?
Complete requests can often be reviewed in 24–72 hours, although timing depends on the business, documentation, provider requirements, and verification.
Does Now Biz Fund work with bad credit?
Some programs may consider business owners with credit scores starting around 500. Eligibility and terms still depend on revenue, cash flow, existing obligations, and underwriting.
Which states and cities are covered?
Our directory currently covers local funding searches across California, Colorado, Florida, Illinois, Massachusetts, New York, Pennsylvania, Texas, and Washington.
Is this only for one industry?
No. We publish guidance for restaurants, healthcare, construction, retail, trucking, professional services, and other operating businesses.
Is Now Biz Fund a lender?
No. Now Biz Fund is a team of small-business funding specialists with more than five years in the industry. We do not lend our own money; we take one application and compare it across vetted funding partners, then explain the options on total cost so you can choose. Every range on this site is a published market guideline, not an offer.
Does applying affect my credit score?
The eligibility form and the initial review do not use a hard credit pull. If you move forward with a specific funding partner, that partner may run a hard inquiry as part of its final underwriting, and you will be told before that happens.
What does it cost to use a funding specialist?
Submitting an inquiry and reviewing options is free and carries no obligation. Any cost tied to a specific offer, including origination or broker fees where a partner charges them, must appear in the written terms before you sign, and we present offers on total payback so those costs are visible rather than hidden in a rate.
What documents will I need?
For the first step, only business basics: name, location, industry, time in business, revenue range and the amount and purpose of the request. If there is a fit, a private application collects three to six months of bank statements and any product-specific documents, such as an equipment quote, an accounts-receivable aging report or a tax return for larger amounts.
What is the difference between a merchant cash advance and a term loan?
A merchant cash advance is an advance on future sales, priced as a factor rate and repaid through daily or weekly remittances; it funds in a day or two and costs more. A term loan is a fixed amount repaid on a schedule with interest over six months to five years; it takes a few days, requires stronger credit and costs less. The comparison pages put them side by side.
Which products can be compared on one application?
All eight: merchant cash advance, business term loan, business line of credit, SBA loan, equipment financing, invoice factoring, revenue-based financing and working-capital loans. A specialist narrows that list to the products that actually fit your revenue pattern, time in business and use of funds before anything is submitted to a funding partner.