Match the funding to the need. A machine that lasts ten years should not sit on a 6-month plan, and a two-week cash gap does not need a five-year loan. Start with what the money is for, how soon you need it, and what your business can document.
Business funding, beyond checkout credit
Credit Key pays suppliers. When you need cash, a longer term, or you do not qualify, these are the routes to look at.
Types of funding
Business funding
Business line of credit
A business line of credit gives reusable cash you draw and repay as needed. How it differs from Credit Key, what lenders ask for, and when it is the better fit.
Read Business fundingEquipment financing
Equipment financing uses the equipment as collateral for a longer-term loan or lease. When it beats Credit Key's monthly fee, and what lenders look at.
Read Business fundingPersonal loan for business
When a personal loan makes sense for business costs, what it risks, and how it compares with Credit Key. Request a personal loan through our lender network.
ReadBy situation
Business funding
Startup funding
How new businesses fund early purchases: vendor Net 30 accounts, business credit cards, microloans and personal loans. Where Credit Key fits for startups.
Read Business fundingFunding with lower credit
Funding options when your credit score is under 600 and Credit Key is out of reach: secured cards, vendor credit, revenue-based options and personal loans.
Read Business fundingSole proprietor loans
Sole proprietors can apply for Credit Key with a 600+ FICO and $40,000+ income. Other options: business cards, vendor credit and personal loans.
Read Business fundingSmall loans under $5,000
For business needs under $5,000, formal business loans are rare. Compare Credit Key Net 30, business cards, microloans and personal loans for small amounts.
ReadCommon questions
What is the easiest business funding to get?
Checkout financing like Credit Key and business credit cards are quickest. Bank loans and SBA loans cost less but take longer and need more documents.
Can I get business funding with no revenue?
Options are limited. Many founders use personal credit, a personal loan or a co-signer until the business has income to show.
Compare first. Then decide.
If checkout credit is not what you need, see what a personal loan request through our network returns.
See funding options