Flexible Business Funding
From $100K
Term loans, lines of credit, invoice financing, and more — fixed rates as low as 5%.
Business Term Loans • Lines of Credit • Invoice Factoring • Purchase Order Financing
$100K+
Starting Amount
5% - 18%
Fixed Rates
10 Years
Max Term
1-2 Weeks
Time to Fund
When your business is ready to grow — not just survive — you need capital that can keep up. Traditional business funding through banks often means weeks of back-and-forth, rigid terms, and a lot of uncertainty. ImpactFundr connects established businesses with lenders offering term loans, revolving credit lines, invoice factoring, and purchase order financing that fit the way real businesses operate.
These products are designed for companies that have been operating for at least a year, have solid revenue, and want longer repayment periods and lower interest rates than short-term products provide. If your business is past the survival stage and focused on scaling, this category of funding is built for you.
We work with a network of institutional lenders, community banks, and specialty finance companies to find the best match for your business profile. Instead of applying to multiple lenders yourself, one application through ImpactFundr gets your file in front of lenders who are actively looking to fund businesses like yours.
Products Included
Business Term Loans
Receive a lump sum upfront and repay it over a fixed period at a fixed rate. Ideal for large purchases, expansions, or refinancing higher-cost debt. Terms from one to ten years.
Business Line of Credit
A revolving credit facility you draw from as needed and repay on your schedule. Only pay interest on what you use. Great for managing cash flow, payroll, and opportunistic spending.
Invoice Factoring
Convert outstanding invoices into immediate cash. Instead of waiting 30, 60, or 90 days for clients to pay, you sell those receivables and get cash now. No new debt on your balance sheet.
Purchase Order Financing
Got a big order but not enough cash to fill it? Purchase order financing covers supplier costs so you can fulfill contracts you could not otherwise afford. You repay when the customer pays.
Common Situations We Help With
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Buying equipment or vehicles
Rather than leasing, a term loan lets you own the asset outright and build equity in your business.
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Hiring staff for a growth phase
Payroll for new employees starts before the revenue those employees generate arrives. A credit line covers the gap.
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Opening a second location
Renovation, deposits, inventory, and build-out costs all hit at once. A structured term loan handles the upfront investment.
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Waiting on slow-paying clients
Invoice factoring turns your receivables into working capital immediately so you can keep operations running while clients pay on their timeline.
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Landing a contract you cannot afford to fulfill
Purchase order financing lets you take on large orders without the cash on hand to fulfill them — a direct path to growth.
Funding Details
| Detail | Range / Info |
|---|---|
| Funding Range | $100,000 and up |
| Interest Rates | 5% to 18% fixed |
| Repayment Terms | 1 to 10 years |
| Time to Funding | 1 to 2 weeks after approval |
| Credit Requirement | Good to excellent preferred (650+) |
| Time in Business | 1 year minimum |
| Annual Revenue | $100,000 minimum |
| Collateral | Varies by product — some unsecured options available |
| Industries | All industries considered |
How It Works
Choose Your Funding Type
Tell us whether you need a term loan, credit line, invoice factoring, or purchase order financing. Not sure? We will help you decide.
Submit Application
A simple online form plus a few financial documents — typically bank statements, tax returns, and basic business info.
Get Matched with Lenders
We shop your application to our network of lenders to find the best rate and terms for your situation, not just whoever will say yes.
Funds in 1 to 2 Weeks
After you accept an offer, funding is typically completed within one to two weeks depending on the product and lender.
Why ImpactFundr for Business Loans
Walking into a bank and applying for a business loan can feel like a gamble. You spend time pulling together documents, only to wait weeks for an answer that may be no. ImpactFundr works differently. We know which lenders are funding businesses in your industry, your revenue range, and your credit tier — and we submit your file to the right ones.
Access to Multiple Lenders
One application gets reviewed by multiple institutional lenders so you see competing offers and can choose the best terms.
Transparent Pricing
We show you the APR, total repayment amount, and monthly payment before you sign anything. No surprises after funding.
Specialists Who Know Your Industry
We have placed funding for contractors, healthcare providers, e-commerce brands, manufacturers, and more. We know what lenders want to see.
Guidance Throughout the Process
If your file needs strengthening — better documentation, a co-signer, or an alternative product — we tell you before you apply, not after rejection.
Frequently Asked Questions
What is a business line of credit and how is it different from a loan?
A term loan gives you all the money upfront and you repay it over a fixed schedule. A line of credit is a revolving facility — you draw funds as needed, repay them, and draw again. You only pay interest on the amount you have outstanding. Lines of credit are better for ongoing cash flow needs; term loans are better for one-time large purchases.
What is the difference between a term loan and a line of credit?
A term loan is fixed: fixed amount, fixed rate, fixed monthly payment over a set period. A line of credit is flexible: you borrow what you need when you need it, up to your approved limit. Repayment is usually interest-only monthly with a full balance option. Both have their place depending on what you are using the funds for.
What is invoice factoring in simple terms?
Invoice factoring means selling your unpaid customer invoices to a third party (a factor) at a small discount in exchange for immediate cash. Instead of waiting 60 days for a client to pay a $50,000 invoice, you receive roughly $47,000 to $48,500 right away. The factor collects from your client directly. You get cash now, they handle the collection.
How fast can I get approved for a business loan?
For term loans and credit lines, approvals typically take three to seven business days once we have all your documents. Funding follows one to two weeks after approval. Invoice factoring and purchase order financing can move faster — sometimes within 48 to 72 hours of submitting the receivables.
Do I need collateral for a business loan?
It depends on the product and amount. Many credit lines and smaller term loans can be approved on an unsecured basis if your revenue and credit profile are strong. Larger loans typically require a personal guarantee and sometimes a business asset as collateral. We will tell you exactly what is needed before you apply.
Ready to grow your business?
Apply today. We will match you with the right lender and the best rate available for your profile.
Apply NowFind Out What You Qualify For
Submit your information and we will come back to you with funding options that fit your business.