Invest in Your Business

Funding solutions to fuel your business.

Applying won't affect your credit score · Decisions in as little as 24 hours

Why owners choose us $5K – $5M No collateral No personal guarantee options One simple application
Our Programs

Your Next Success Story Starts Here

Three straightforward ways to get the working capital you need — without putting your house or your personal assets on the line.

Revenue-Based Financing

Unsecured funding based on your sales history. Repay as a small share of revenue, so payments flex with your business.

  • No collateral required
  • Approval based on revenue, not just credit
  • Funding in as little as 24 hours

A purchase of future receivables — not a loan.

Learn More →

Business Line of Credit

An unsecured, revolving credit line. Draw only what you need, pay interest only on what you use, and reuse it as you repay.

  • Unsecured — no collateral
  • Draw funds any time
  • Available credit replenishes as you repay

Subject to credit approval.

Learn More →

Term Loan — No Personal Guarantee

A lump sum with fixed, predictable payments over a set term — and your personal assets stay protected.

  • No personal guarantee required
  • Fixed payments, clear payoff date
  • Ideal for expansion and big projects

Subject to credit approval.

Learn More →
The First Choice Difference

Discover your ideal funding solution.

We're committed to finding the right financing for your business. One application lets us match you with the program that fits your revenue, your goals, and your timeline.

A dedicated funding specialist walks you through every offer — type, amount, term, and total cost — so you can decide with confidence.

See What You Qualify For
$5K–$5MFunding amounts available
24 hrsDecisions as fast as one business day
$0Collateral required
1 appConsidered for all three programs
How It Works

Build Your Customized Funding Experience

Every business is unique, and your financing should be too. Here's how we get you funded.

Step 1

Streamlined Application

Time matters in business. Our simple online application takes minutes and won't impact your credit score.

Apply Now
Step 2

Choose Your Offer

Compare amount, term, payment, and total cost side by side. Your specialist helps you pick what fits best.

Get Offers
Step 3

Use Your Funds

Renovate. Buy equipment. Hire. Open a new location. Stock up on inventory. Get your business on track for growth.

Get Started
Compare Programs

Which program is right for you?

Not sure? Apply once and we'll recommend the best fit.

Revenue-Based FinancingLine of CreditTerm Loan (No PG)
CollateralNone — unsecuredNone — unsecuredNo personal guarantee
How you receive itLump sumDraw as neededLump sum
RepaymentShare of future sales (daily/weekly)Pay on what you drawFixed scheduled payments
Best forFast cash, seasonal or variable revenueOngoing needs, cash-flow gapsExpansion, large one-time projects
SpeedAs fast as 24 hoursA few daysA few days
Knowledge Hub

Small Business Resources

Guides to help you finance, manage, and grow your business.

Funding 101

Revenue-Based Financing vs. Term Loans: What's the Difference?

Read More →
Manage Your Money

Your Business Funding Application Checklist

Read More →
Protect Yourself

What "No Personal Guarantee" Really Means for Owners

Read More →
FAQ

Frequently Asked Questions

Will applying affect my credit score?

No. Submitting an application does not affect your personal credit score. If a credit review is needed later, we'll ask for your consent first.

What do I need to qualify?

Generally, at least 6 months in business and consistent monthly revenue. Requirements vary by program — apply and a specialist will walk you through your options.

How fast can I get funded?

Revenue-based financing can be funded in as little as 24 hours after approval. Lines of credit and term loans typically take a few business days.

Do I need collateral or a personal guarantee?

Our revenue-based financing and line of credit are unsecured — no collateral. Our term loan program requires no personal guarantee.

What documents will I need?

Usually your last 3–4 months of business bank statements, plus basic business and owner information. Your specialist will let you know if anything else is required.