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Small-business funding

Business funding on your timeline.

From $10,000 to $3,000,000.Four programs.
One email.

Some funding lands in 48 hours. Some takes a month or more and costs less. Orbit Advance lays out four programs, from $10,000 to $3,000,000, and tells you straight which one fits.

Plan my funding Email us
  • One email to start
  • Four programs compared
  • No cost to ask

Closer in is faster. Further out takes longer and usually costs less.

Closer in is faster. Further out takes longer and usually costs less.

Funding planner

How much, and how soon?

Set the amount and the deadline. The planner checks both against each program's typical range and shows which ones are open to you. Nothing you enter leaves your browser unless you email it.

$150,000

When do you need it?

3 of 4 programs can do $150,000 this week.

  • Merchant cash advance $10K – $3M · 24–48 hours In range
  • Line of credit $10K – $1M · approved in 1–3 days In range
  • Term loan $25K – $3M · 2–5 business days In range
  • SBA loan $50K – $3M · 30–90 days Typically takes 30–90 days
  • In range
  • Possible, but tight
  • Out of range
  • Fastest typical time
  • Usual range

Programs further out take longer, and usually cost less.

Email this plan

The planner compares your amount and timing with each program's typical range. It doesn't look at credit, revenue or time in business, so treat it as a starting point, not a decision.

The four programs

Four orbits, from fastest to most patient.

Every program trades speed against cost. Here's what each one is, how long it takes, and who it suits.

Orbit 1 Fastest

Merchant cash advance

Cash now, repaid automatically as a share of your future sales. Approval leans on your revenue more than your credit score.

Time to funds
24–48 hours
Amount
$10K – $3M
Payback
3–18 months
  • Best for urgent cash needs, seasonal dips, and owners whose credit doesn't show how well the business is doing.
  • How you repay a percentage of sales, or a fixed daily or weekly amount.
  • What matters most consistent revenue.
Ask about a cash advance

Your planner check In range

Orbit 2 Flexible

Line of credit

A revolving limit you can draw on whenever you need it. You pay only on what you've drawn, and the limit refills as you repay.

Approval
1–3 days
Limit
$10K – $1M
Access
Revolving
  • Best for bridging the gap between paying suppliers and getting paid, surprise bills, and keeping a cushion on standby.
  • How you repay payments on what you've drawn only.
  • What matters most credit and cash flow.
Ask about a line of credit

Your planner check In range

Orbit 3 Predictable

Term loan

One lump sum, repaid in fixed installments over a set term. You know the payment and the end date from day one.

Time to funds
2–5 business days
Amount
$25K – $3M
Term
1–5 years
  • Best for planned investments with a clear return, such as equipment, a build-out, new hires, or replacing costlier debt.
  • How you repay fixed weekly or monthly payments.
  • What matters most credit, revenue, and time in business.
Ask about a term loan

Your planner check In range

Orbit 4 Lowest cost

SBA loan

Loans partly guaranteed by the U.S. Small Business Administration, with the longest terms and some of the lowest rates a small business can get.

Time to funds
30–90 days
Amount
$50K – $3M
Term
Up to 25 years
  • Best for established businesses making long-term moves, such as buying property, acquiring a business, or a major expansion.
  • How you repay monthly payments; the rate can be fixed or variable.
  • What matters most strong credit, 2+ years in business, and full financials.
Ask about SBA loans

Your planner check Typically takes 30–90 days

Amounts, terms and timelines are typical ranges, not offers. What you're offered depends on your revenue, time in business, credit and the program.

Side by side

Speed, cost and paperwork, compared.

No program wins on everything. This is where each one lands.

FeatureOrbit 1 Merchant cash advanceOrbit 2 Line of creditOrbit 3 Term loanOrbit 4 SBA loan
Amount$10K – $3M$10K – $1M$25K – $3M$50K – $3M
Time to funds24–48 hours1–3 days to approve, then draw any time2–5 business days30–90 days
Term3–18 monthsRevolving; renews as you repay1–5 yearsUp to 10 years, or 25 for real estate
How you repayA percentage of sales, or a fixed daily or weekly amountPayments on what you've drawn onlyFixed weekly or monthly paymentsMonthly payments; rate can be fixed or variable
Relative costHighest, priced with a factor rateModerate, interest on the balance usedModerate, priced with an interest rateLowest; maximum rates capped by the SBA
What matters mostConsistent revenueCredit and cash flowCredit, revenue, and time in businessStrong credit, 2+ years in business, full financials
Paperwork3–6 months of business bank statements and a photo ID3–6 months of business bank statements and a photo IDBank statements, plus business tax returns and financial statementsTax returns and financial statements; sometimes a debt schedule and a short business plan
Best forSpeed and flexibilityOngoing cash-flow gapsPlanned investmentsBig, long-term moves

A general comparison, for education only. Actual amounts, rates, terms and timelines vary by program, lender and business, and are disclosed in your offer before you sign.

How it works

One email. Four programs checked.

You shouldn't have to apply four times to learn what you qualify for.

  1. Send one email

    Tell us how much you need, what it's for and when. A few lines about your business is enough to start.

  2. We check every program

    We review your business against all four programs and tell you which ones are realistic.

  3. Compare in plain numbers

    You see the amount, the term and the total cost of each option side by side, in plain English.

  4. Choose and get funded

    Pick what fits. Funding can take as little as a day for an advance, or 30 to 90 days for an SBA loan.

SBA loan programs

The outer orbit: SBA loans, explained.

SBA loans take the longest to arrive and are the hardest to beat on terms. We'll tell you early whether you're a strong candidate, and which program fits.

The all-rounder

SBA 7(a)

The SBA's main program and its most flexible. It can cover almost any business purpose.

  • Working capital, equipment and inventory
  • Buying a business, or buying out a partner
  • Refinancing existing business debt
  • Terms up to 10 years, or 25 for real estate
Property and heavy equipment

SBA 504

Long-term, fixed-rate financing for the big fixed assets a business grows into.

  • Buying or building commercial property
  • Heavy machinery and long-life equipment
  • Down payments often around 10%
  • Terms of 10, 20 or 25 years
Quicker decisions

SBA Express

A streamlined 7(a) for smaller amounts, with a faster answer from the lender.

  • Loans up to $500,000
  • Set up as a term loan or a revolving line
  • Less paperwork than a standard 7(a)
  • Suits working capital and smaller projects

What SBA lenders look for

  • Strong credit
  • Two or more years in business
  • Full financials: tax returns and financial statements

SBA loans are made by SBA-approved lenders and partly guaranteed by the U.S. Small Business Administration. Approval is up to the lender and the SBA. Orbit Advance is not affiliated with or endorsed by the SBA.

See if you're a candidate

Questions

Questions, answered straight.

Eight short answers. If yours isn't here, one email gets you a straight reply.

Not covered here?

admin@orbitadvance.com
How do I know which program fits?

Start with your deadline. If you need money within days, look at a merchant cash advance or a line of credit. If you have a specific project and a few days to spare, a term loan usually costs less. If you can wait a month or more and your business is established, an SBA loan is usually the lowest-cost option. The funding planner narrows it down, or email us and we'll tell you.

Can I qualify for more than one program?

Often, yes. Many businesses qualify for two or three programs at once. We set them side by side so you can compare the real cost and the payments before you choose.

What paperwork should I have ready?

For a merchant cash advance or a line of credit, usually three to six months of business bank statements and a photo ID. Term loans and SBA loans typically also call for business tax returns and financial statements. An SBA lender may ask for a debt schedule and a short business plan as well.

How quickly can the money arrive?

A merchant cash advance can fund in as little as 24 to 48 hours. Lines of credit are often approved in one to three days, and term loans usually fund within a few business days. SBA loans are the slowest, at roughly 30 to 90 days, in exchange for the longest terms and some of the lowest rates.

Is a merchant cash advance a loan?

No. It is a purchase of a portion of your future receivables, priced with a factor rate rather than an interest rate. You see the total amount to be repaid before you sign.

Is Orbit Advance part of the SBA?

No. SBA loans are made by SBA-approved lenders and partly guaranteed by the U.S. Small Business Administration. Orbit Advance is not affiliated with or endorsed by the SBA. We help you understand the programs and pursue the right one.

Does it cost anything to ask?

No. Getting in touch and reviewing your options is free, and you're under no obligation to accept an offer.

Is there an online application?

Not on this website. Start with an email to admin@orbitadvance.com and we'll take it from there.

Contact

Tell us the amount and the deadline.

Email us what you need the funding for, how much, and roughly how long you've been in business. We'll reply with the programs that fit and a straight answer on each.

Email us Use the planner first

What to put in your email

To
admin@orbitadvance.com
Subject
Funding inquiry
  1. How much you need
  2. When you need it
  3. What the funding is for
  4. How long you've been in business

A few lines is enough to start.