Funding options
Four structures. One application. The right fit for how you get paid.
A merchant cash advance, a line of credit, equipment financing and a term loan all solve different problems. Compare them here, then apply once and let an advisor match your file to the one that fits.
The four products
Pick a card to go deeper.
Every AXIS product in one place. Open any card for the full breakdown, qualification list and worked example.
Merchant Cash Advance
Capital based on your revenue, not your credit score.
- Amount
- $10K to $500K
- Funding
- 24 hours
- Credit
- 500+
Business Line of Credit
Draw what you need. Pay for what you use.
- Amount
- $10K to $250K
- Funding
- 1 to 3 days
- Credit
- 600+
Equipment Financing
The equipment is the collateral. Keep your cash.
- Amount
- $15K to $1M
- Funding
- 2 to 5 days
- Credit
- 580+
Business Term Loans
A lump sum with a fixed payment and a clear finish line.
- Amount
- $25K to $500K
- Funding
- 2 to 7 days
- Credit
- 620+
Side by side
Compare the numbers directly.
Same categories, four answers. Scroll right on a small screen to see every column.
| Product | MCA | LOC | Equipment | Term loan |
|---|---|---|---|---|
| Amount | $10K to $500K | $10K to $250K | $15K to $1M | $25K to $500K |
| Funding speed | 24 hours | 1 to 3 days | 2 to 5 days | 2 to 7 days |
| Term | 3 to 18 months | 6 to 24 months revolving | 24 to 72 months | 12 to 60 months |
| Repayment | Daily or weekly remittance | Weekly or monthly | Fixed monthly | Fixed monthly |
| Credit considered | 500+ | 600+ | 580+ | 620+ |
| Best for | Fast working capital, seasonal gaps, inventory buys, payroll bridges | Cash-flow smoothing, recurring inventory, unexpected repairs | Fleet growth, replacing aging equipment, new-location build-outs | Expansion, buying out a partner, consolidating expensive debt |
| Collateral | None (UCC filing on receivables) | None (UCC filing, personal guarantee) | The equipment financed | Usually unsecured under $150K; UCC filing above |
| Pricing basis | Factor rate | Interest, revolving | Interest, fixed | Interest, fixed |
| Reusable | Renewable around 50% paid down | Yes, the line replenishes as you repay | New application per purchase | New application per loan |
Which one fits?
Start from the problem, not the product.
Four situations owners come to us with, and the product that usually answers each one.
Need cash this week
Revenue-based approval, funding in as little as 24 hours, no waiting on a lengthy underwriting file.
See Merchant Cash AdvanceOngoing cash-flow gaps
A revolving limit you draw from when a gap shows up, and pay down when it closes. Reuse it without reapplying.
See Business Line of CreditBuying a truck, kitchen or machine
The asset secures the deal, so pricing is typically lower and terms run longer than an unsecured product.
See Equipment FinancingA big one-time move
Expansion, a buyout, or consolidating expensive debt. A lump sum with a fixed payment and a set end date.
See Business Term LoansHow it works
Apply once, compare in hours.
One application covers all four products. No separate forms, no separate soft pulls.
- 01
Apply
One application, about two minutes, plus 3 to 4 months of bank statements. Soft credit pull only.
2 minutes
- 02
Compare offers
An advisor shops your file across all four products and comes back with real numbers, not just one option.
Same business day
- 03
Fund
Pick the structure that fits, e-sign, and funds are wired, usually within 24 hours.
As fast as 24 hours
Straight answers
Questions about choosing a product.
How do I know which funding product is right for my business?
Start with the timeline and the use of funds. Need cash in days for a short-term gap? A merchant cash advance moves fastest. Need to draw funds repeatedly? A line of credit fits better. Buying a specific asset or planning a larger, longer project? Equipment financing or a term loan usually prices lower. An advisor will walk through this with you after you apply.
Can I stack more than one product at the same time?
Sometimes, depending on your existing balances, revenue and what your current funder allows. Stacking multiple advances against the same receivables raises risk and cost, so we evaluate it case by case rather than as a default.
What happens when I want to renew or increase my funding?
Merchant cash advances are typically eligible for renewal once you are roughly 50% paid down. Lines of credit can have their limit reviewed as you build repayment history. Term loans and equipment financing are new applications each time, since they are structured around a specific amount and asset.
Does comparing offers affect my credit score?
No. Applying and reviewing offers uses a soft credit pull, which does not affect your score. A hard pull only happens if you accept an offer that requires one, and that is disclosed before you sign anything.
Are these products only for certain kinds of businesses?
All four are commercial financing for business purposes only, not consumer credit. Beyond that, eligibility comes down to time in business, monthly revenue and, for equipment financing, the asset being purchased. See the qualification details on each product page.
Ready to see your numbers?
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.