Business Loan Types

Fast, flexible capital tailored to your cash flow. Choose the option that fits your goals — with same-day funding available and no hard credit pull to see offers.

Same-Day Funding No Hard Credit Pull Flexible Terms All Credit Considered

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See My Options

Term Loan

A lump sum with predictable payments for planned growth and larger purchases.

Amounts$10k – $1M
Terms6 – 60 months
SpeedAs fast as 24 hours
PaymentsMonthly or weekly
  • Best for expansion, renovations, marketing, or debt consolidation
  • Fixed payment schedule aligned to your cash flow
  • Early payoff discounts available (case-by-case)

Business Line of Credit

Draw what you need, when you need it — only pay for what you use.

Limits$10k – $500k
Terms6 – 24 months per draw
SpeedSame-day access after setup
PaymentsWeekly or monthly
  • Great for working capital and seasonal cash gaps
  • Revolving access; reuse as you repay
  • No prepayment penalty on most lines

Equipment Financing

Purchase or lease equipment with terms matched to the useful life of the asset.

Amounts$15k – $2M+
Terms12 – 72 months
SpeedFast approvals; vendor paid directly
StructureLoan or lease options
  • Best for trucks, machinery, construction & restaurant equipment
  • Potential tax advantages (consult your advisor)
  • Preserve cash with minimal upfront cost

Revenue-Based Financing (MCA)

Fast working capital repaid from a small, fixed percentage of daily or weekly sales.

Amounts$5k – $500k
HoldbackTypically 8% – 20% of sales
SpeedAs fast as same-day
CreditFlexible; all credit considered
  • Great for urgent expenses, inventory, payroll, or short-term needs
  • Payments flex with your revenue
  • Works for newer businesses and lower credit scores

Loan Type FAQs

Is there a hard credit pull to see my options?

No — checking your options uses a soft inquiry. We only proceed with a hard pull if you move forward with a specific program.

How fast can I get funded?

Many approvals are completed within hours, with funds deposited as soon as the same business day depending on the program and bank cutoff times.

Do you work with lower credit scores?

Yes. We consider all credit profiles and match you with lenders where you’ll be most competitive based on your revenue and time in business.

What documents do I need?

Usually just the last 3–4 months of business bank statements to start. Equipment deals may require an invoice/quote; larger loans may request additional info.

Clients Trust Ultra Capital

Clear terms, quick decisions, and reliable support—every time.

Applied in the morning, funded the next business day. Exactly what we needed.

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Marcus Lee
Founder, ML Freight Logistics

No surprises and great communication. We recommend them to other owners.

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Sofia Alvarez
Partner, Alvarez Concrete Works

Ultra Capital helped us expand when banks said no. Smooth and stress-free.

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David Carter
Owner, Carter Manufacturing

From application to funding was seamless. We’ll be returning for our next expansion.

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Jordan Patel
Owner, Apex Health Supplies

Funds in under 24 hours and clear terms. Let us take on a larger contract with confidence.

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Alicia Ramirez
Co-Owner, Blue Horizon Renovations

Professional, fast, and exactly what we needed to keep our project on schedule.

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Daniel Ruiz
Owner, Ruiz Roofing & Co.
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