🚫 Businesses We Do Not Fund
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💼 Funding Options We Offer
Explore the types of funding we can help you access. Whether you need fast working capital or long-term growth financing, we’ll guide you to the right fit. 🔁 Revolving & Flexible Credit 1. Business Line of Credit Flexible access to funds—draw what you need, repay, and reuse. Perfect for managing short-term cash flow or emergencies. 2. Credit Card Stacking Secure multiple high-limit credit cards at once to create fast, unsecured funding—ideal for startups and low-doc clients with strong credit. 💵 Lump-Sum & Term-Based Loans 3. Term Loan Receive a lump sum with fixed payments over 6 months to 5 years. Great for expansion, hiring, or consolidating debt. 4. Working Capital Loan Short-term funding to cover everyday expenses like payroll, rent, or supplies. Quick approval with minimal documentation. 5. Bridge Loan Short-term stopgap funding to cover urgent capital needs until longer-term financing is secured. 6. Startup Loan Early-stage funding based on personal credit, business plan, or projections. Ideal for newly launched ventures. 📈 Revenue & Sales-Based Financing 7. Merchant Cash Advance (MCA) Fast cash based on a percentage of future daily card sales. Ideal for high-volume businesses with steady transactions. 8. Revenue-Based Financing Repayment tied to monthly revenue. The higher your sales, the faster you repay. A performance-friendly option for scaling businesses. 🧾 Asset-Based Lending 9. Invoice Factoring Sell unpaid invoices for upfront cash—great for B2B companies with slow-paying customers. 10. Inventory Financing Use your inventory as collateral to get funding for restocking or product launches. 11. Equipment Financing Buy or lease business equipment with structured payments. Equipment itself acts as collateral. 12. Purchase Order Financing Funding to cover supplier costs for large orders—ideal for wholesalers and manufacturers. 🏠 Real Estate-Backed Loans 13. Fix & Flip Loans Short-term loans for real estate investors rehabbing and reselling properties. 14. Commercial Real Estate Loans Acquire, expand, or refinance income-generating properties for your business. 🏢 Specialty & Government-Backed Options 15. Franchise Financing Capital for launching or growing franchise locations, including startup fees and buildouts. 16. SBA Loans Government-backed loans with low rates and long terms. Includes SBA 7(a), 504, and microloans. 17. Microloans Small-scale loans (typically <$50K) for startups, women-owned, or minority-owned businesses.
📌 What the Funds Can Be Used For
🚀 Growth & Expansion 1. Hiring Staff Best Funding Options: • Working Capital Loan • Business Line of Credit • Term Loan 2. Opening New Locations Best Funding Options: • Term Loan • SBA Loan • Commercial Real Estate Loan 3. Marketing & Advertising Best Funding Options: • Credit Card Stacking • Business Line of Credit • Working Capital Loan 4. New Product Development Best Funding Options: • Revenue-Based Financing • Term Loan • Microloan 🔧 Operations & Stability 5. Covering Payroll Best Funding Options: • Working Capital Loan • MCA • Business Line of Credit 6. Paying Rent or Lease Obligations Best Funding Options: • Business Line of Credit • Working Capital Loan 7. Utility & Overhead Costs Best Funding Options: • MCA • Credit Card Stacking • Revenue-Based Financing 8. Emergency Expenses Best Funding Options: • Bridge Loan • Business Line of Credit • MCA 📦 Inventory & Supplies 9. Purchasing Inventory Best Funding Options: • Inventory Financing • Working Capital Loan • Term Loan 10. Bulk Supplier Orders Best Funding Options: • Purchase Order Financing • Business Line of Credit • Inventory Financing 11. Supplies & Raw Materials Best Funding Options: • MCA • Revenue-Based Financing • Inventory Financing 🛠️ Equipment & Infrastructure 12. Equipment Upgrades Best Funding Options: • Equipment Financing • SBA Loan • Term Loan 13. Technology Investment Best Funding Options: • Credit Card Stacking • Working Capital Loan • Term Loan 14. Furniture & Fixtures Best Funding Options: • Equipment Financing • Business Line of Credit • Term Loan 🧾 Financial Management 15. Refinancing Debt Best Funding Options: • Term Loan • SBA Loan • Business Line of Credit 16. Paying Taxes Best Funding Options: • MCA • Working Capital Loan • Line of Credit 17. Building Business Credit Best Funding Options: • Credit Card Stacking • Microloan • Business Line of Credit
The operator of this website is NOT a lender, does not make offers for loans, and does not broker online loans to lenders or lending partners. Customers who arrive at Picfunding website are paired with a lender or a lending partner, and redirected only to lenders or lending partners who offer business loan products. Privacy Policy