Seven Products. One Application.

From a $5,000 line of credit to a $5,000,000 SBA loan — we structure capital around how your business actually runs. Pick a product, or let our specialists match you.

Line of Credit Short-Term Long-Term Factoring Equipment Cash Advance SBA Loans

Business Line of Credit

What it is: A revolving credit limit you draw from whenever you need it. Pay interest only on the balance you use, and your available credit refills as you repay — like a credit card built for operating capital.

Amounts $5K–$250K Term 6–24 mo revolving Funding Same / next day

Best for: Managing cash-flow gaps, payroll, seasonal swings, and grabbing opportunities without committing to a lump-sum loan.

Draw only what you need, when you need it
Interest charged on the used balance only
Refills automatically as you repay
No prepayment penalties

Learn more about Line of Credit

Short-Term Loans

What it is: A fast, fixed lump sum repaid over a short window with predictable daily, weekly, or monthly payments. Built for speed when an opportunity or gap won't wait.

Amounts $5K–$500K Term 3–18 months Funding 24–48 hours

Best for: Bridging a big contract, covering an urgent repair, buying inventory at a discount, or smoothing a slow season.

Lump sum hits your account fast
Fixed, predictable repayment schedule
Qualify on revenue, not perfect credit
Early payoff discounts available

Learn more about Short-Term Loans

Long-Term Loans

What it is: Larger financing repaid over multiple years, with lower monthly payments. The right tool for serious, planned growth rather than a quick patch.

Amounts $25K–$5M Term 1–5 years Funding 2–5 business days

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

Lower monthly payments over a longer term
Larger capital for major investments
Competitive fixed rates
Consolidate and refinance costly debt

Learn more about Long-Term Loans

Invoice Factoring

What it is: Sell your outstanding invoices to us and get paid now instead of waiting on net-30/60/90 terms. We advance up to 90% upfront and remit the rest, minus a small fee, once your customer pays.

Advance Up to 90% Limit $10K–$5M Funding Same day on AR

Best for: B2B businesses with slow-paying clients — staffing, trucking, manufacturing, and wholesale that can't afford to wait two months for cash.

Turn receivables into immediate cash
Scales with your sales volume
Not a loan — no new debt on your books
We can handle collections for you

Learn more about Invoice Factoring

Equipment Financing

What it is: Financing to buy the machinery, vehicles, or tools your business runs on. The equipment itself serves as collateral, so approvals are fast and down payments are low.

Financing Up to 100% Amounts $10K–$5M Term 2–7 years

Best for: Trucks, trailers, CNC machines, HVAC units, kitchen lines, medical and dental equipment, and heavy construction gear.

Finance up to 100% of equipment cost
Equipment secures the loan — low rates
Preserve your working capital
Potential tax advantages on financed assets

Learn more about Equipment Financing

Merchant Cash Advance

What it is: An advance against your future credit and debit card sales. Repayment flexes with your revenue — you remit a small fixed percentage of daily sales, so slow days cost less.

Amounts $5K–$500K Repay % of daily sales Funding Same day

Best for: Restaurants, retail, salons, and auto shops with strong card volume that want repayment to move with their cash flow.

Fastest funding option we offer
Payments scale down on slow days
Approval based on sales, not just credit
No fixed monthly payment pressure

Learn more about Merchant Cash Advance

SBA Loans

What it is: Government-backed loans with the lowest rates and longest terms available to small businesses. The paperwork is heavier, so we manage the process end to end and keep it moving.

Amounts $50K–$5M Term Up to 25 years Funding 30–60 days

Best for: Established, profitable businesses planning major growth, real estate purchases, or refinancing — and willing to trade a little speed for the best terms.

Lowest rates of any product we offer
Longest repayment terms available
We handle the documentation burden
Large loan amounts up to $5M

Learn more about SBA Loans

Run the Numbers

Funding Calculator.

Drag the sliders to estimate your payments. This is a quick illustration — your real offer is tailored by an advisor.

Funding amount $100,000

Term length 12 mo

Assumed factor rate 1.25x

Your Estimate.

Estimated monthly payment $10,417

Total repayment $125,000

Total cost of capital $25,000

Estimate only. Figures are illustrative and based on a simple factor-rate model. They are not an offer of credit, and actual rates, terms, and payments are determined by underwriting.

Side by Side

Compare Every Product.

Not sure where you fit? This is the cheat sheet. Our specialists handle the rest.

Comparison of Ironclad Funding products by amount, term, speed, and best use.
Product	Amounts	Term	Speed	Best For
Line of Credit	$5K–$250K	6–24 mo revolving	Same / next day	Cash-flow gaps & flexibility
Short-Term Loan	$5K–$500K	3–18 months	24–48 hours	Urgent needs & opportunities
Long-Term Loan	$25K–$5M	1–5 years	2–5 days	Expansion & big investments
Invoice Factoring	$10K–$5M	Per invoice	Same day on AR	Slow-paying B2B clients
Equipment Financing	$10K–$5M	2–7 years	1–3 days	Vehicles, machinery, tools
Merchant Cash Advance	$5K–$500K	% of daily sales	Same day	High card-volume businesses
SBA Loan	$50K–$5M	Up to 25 years	30–60 days	Best rates for major growth

The Process

However You Fund, It's Three Steps.

Apply & Submit

One 5-minute application unlocks all seven products. No hard credit pull to see your options.

Underwrite & Approve

We review real cash flow and match you to the best-fit product with clear terms in 24–48 hours.

Sign & Fund

E-sign your offer and get money — often same-day, with 95% of clients funded inside 48 hours.

One Application. Every Option.

Tell us what you need. We'll find the structure that fits.

Apply Now