Auto Repair · Arizona
$240,000
Funded in 48 hours
Term Loan
An independent shop bought out a retiring competitor's lift, alignment rack, and two service bays.
SBA · Working capital · Equipment · CRE · Factoring
Financing for
what's next.
Explore working capital, lines of credit, equipment financing, SBA options, and larger commercial transactions, with a financing specialist helping guide the process.
- Operating in the United States
- 6+ months in business
- $15K+ monthly revenue
- Business bank account
Restaurant Group · Florida
$420,000
Funded in 72 hours
Working Capital
A five-location coastal group replaced walk-ins and fryer lines across every site before peak season.
Construction · Georgia
$1,200,000
Funded in 5 days
Line of Credit
A commercial GC bridged a 90-day receivables gap on a stadium retrofit, drawn against signed pay applications.
Medical Group · Ohio
$2,500,000
Funded in 9 days
Term Loan
A multi-site dental group acquired a competitor's three locations on an 84-month, real-estate-secured term.
Manufacturing · Texas
$1,800,000
Funded in 7 days
Equipment Financing
A custom metal fabrication shop financed two new CNC mills and a fiber laser, paid directly to the vendor.
Trucking · New Jersey
$85,000
Funded in 48 hours
Equipment Financing
A two-truck owner-operator added a used 2021 Freightliner on a 60-month, vendor-paid term.
Retail and E-commerce · California
$310,000
Funded in 3 days
Revenue-Based Advance
An apparel brand stocked Q4 inventory across three boutiques and its direct-to-consumer channel.
Illustrative financing scenarios: composite examples, not specific client transactions. Terms for any real file depend on the business profile and are disclosed in writing.
Check your fit
See where you stand in 30 seconds.
Three quick questions. No credit pull, no commitment, no documents yet. We tell you which products fit and put your file in front of a financing specialist.
- No impact to your credit
- A real human reviews every file
- Cost shown in writing before anything is signed
Funding products
Ways to fund. One clear path.
From flexible working capital to larger commercial real estate and asset-based transactions: financing structures built for different business needs, each shown with its full structure in writing.
Product
Funding range
Term
Working Capital
As soon as 1–3 business days
$10K–$5M
12–24 months
Line of Credit
Initial approval as soon as 24–48 hours
$10K–$500K
12–24 months
Equipment Financing
Typically 3–7 business days from approval
$10K–$5M
24–72 months
Term Loan
Typically 5–10 business days from approval
$100K–$5M
2–7 years
SBA Loans
Typically 30–60 days from a complete file
$50K–$5M
10–25 years
Invoice Factoring
Often same or next business day per invoice
$25K–$10M
Ongoing facility; per-invoice 30–90 days
Commercial Real Estate
Typically 30–60 days from a complete file
$250K–$25M
5–30 years
Asset-Based Lending
Typically 2–4 weeks from a complete file
$250K–$20M
1–3 year facility, renewable
Bars are scaled logarithmically across the full $10K–$25M range. Click any product for the structure, term, collateral, and what to expect on your offer document.
How it works
Three steps. Know what comes next.
01
Tell us about your business
Four minutes. No credit pull. Bank statements aren't required at this stage.
02
Review your options
Every offer shows the funded amount, total payback, payment cadence, and fees in writing — before you sign anything.
03
Get funded
As soon as 24 to 72 hours from approval on many working-capital files. Same-day possible on smaller, clean files.
Industries
Operators we work with every day.
Why FundXpanse
Funding that respects your time.
Cost shown upfront
Every dollar, every fee, every payment is in the offer before you sign. No estimates, no last-mile surprises.
Human-guided review
People help review fit and guide the process, not just a model. Initial responses may be available as soon as one business day.
Guidance that fits
If a different product or a different lender fits better, we say so. We'd rather be useful once than wrong once.
Built for operators
Most of our team has worked in or for small businesses. We size offers around how cash actually moves.
Common financing needs
The situations we're built for.
Illustrative scenarios based on common financing situations. Composite examples, not client testimonials; terms for any real file are disclosed in writing.
Equipment purchase
A machine shop lands a contract it cannot fulfill without a second mill. Equipment financing pays the vendor inside the week, and the machine is producing before the first payment leaves the account.
Equipment financing
Payroll bridge
Two large invoices run late in the same week payroll is due. A short working-capital bridge covers the gap, and the obligation resolves as the receivables collect.
Working capital
Second location
A fitness studio outgrows its space with a lease on the table. Term financing carries the buildout, sized so the new location's revenue services the payment.
Term financing
Competitor acquisition
A service company buys out a retiring competitor. An SBA structure spreads the acquisition across a long amortization, keeping the monthly obligation below the revenue the book acquires.
SBA financing
Owner-occupied purchase
A practice stops renting and buys its building. A long-duration real estate structure puts the monthly payment near the rent it replaces, and the equity builds for the owners instead of a landlord.
Commercial real estate
Receivables gap
A staffing firm's customers pay in 45 to 60 days while payroll runs weekly. A receivables-based facility turns the invoices into working cash, and availability scales as the book grows.
Factoring / ABL
Who you'll work with
The people who pick up the phone.
FundXpanse is a focused team of financing specialists who structure transactions across the commercial market. You work with a consistent point of contact who helps guide your file from the first conversation through closing.