Choice Business Funding

Funding Solutions

Funding Programs

We fund deals through our Choice Business Funding Network (CBFN) — a hand-selected group of trusted funders. At Choice, we understand that no single funding option is perfect for every small business. That’s why we take a personalized approach to find the best funding solution for your unique needs.

What Sets Us Apart

  • Crystal Clear Pricing

    No hidden fees or surprise charges. You'll always know exactly what you're getting.

  • Curated Network

    Access to a diverse, hand-selected group of trusted funders through our Choice Business Funding Network (CBFN).

  • Best Match Guarantee

    We compare multiple options so you get the best possible offer for your business.

Our goal is simple: deliver the right funding solution, with the best terms, as quickly and transparently as possible.

Our Programs

Funding Solutions for Every Business

Term Loans / Working Capital Loans

Short-term financing based on business revenue with flexible repayment structures.

Loans are based on business revenue and are short-term from 6 months to 24 months with monthly, weekly, or daily payments. Ideal for businesses needing a lump sum for expansion, inventory, or operational needs.

Amount Range:$5,000 - $250,000+
Terms:6 - 24 months
Repayment:Monthly, weekly, or daily

Best For:

Revenue-stable businessesExpansion projectsInventory purchasesOperational cash flow

Equipment Financing / Leasing

Access capital to purchase new equipment or unlock value from existing assets.

Allows you to buy equipment or get funding based on the equipment you already own. Perfect for businesses that need machinery, vehicles, technology, or other essential equipment to grow.

Amount Range:$10,000 - $500,000+
Terms:2 - 7 years
Repayment:Monthly

Best For:

ManufacturingConstructionMedical practicesRestaurantsTransportation

Merchant Cash Advance (MCA)

Funding tied to future receivables with flexible repayment based on sales.

If you process credit cards you may qualify for an MCA based on your annual credit card sales and payback is taken as a percentage of your daily credit card sales, ACH, and sales of future receivables based on total gross annual sales. Take an advance based on your total gross annual sales, including your credit cards. Payback can be based on a fixed daily amount using ACH from your checking account or ACH and a percent-based holdback from your credit cards.

Amount Range:$5,000 - $250,000
Terms:3 - 18 months
Repayment:Percentage of daily sales or fixed daily ACH

Best For:

Retail storesRestaurantsService businessesHigh credit card volume

Factoring

Get cash flow support by leveraging outstanding invoices and accounts receivable.

You may be able to get funding based on accounts receivables (customer invoicing). This type of funding is useful to a company that needs cash but has limited credit available. The factoring company purchases your invoices at a discount and collects from your customers.

Amount Range:$10,000 - $5,000,000+
Terms:30 - 90 days per invoice
Repayment:Collected from customer payments

Best For:

B2B companiesBusinesses with outstanding invoicesSeasonal cash flow gapsGovernment contractors

Asset-Based Loans

Use eligible business assets to secure funding with terms aligned to collateral value.

Loans are based on the value of an asset you own. This can include inventory, equipment, real estate, or accounts receivable. The loan amount is typically a percentage of the asset's value.

Amount Range:$50,000 - $10,000,000+
Terms:1 - 5 years
Repayment:Monthly

Best For:

Businesses with valuable assetsManufacturingWholesale distributorsReal estate holders

SBA Loans

Government-backed financing options with longer terms and competitive rates.

Government-guaranteed loans with lower rates and longer terms. SBA loans are partially guaranteed by the Small Business Administration, making them less risky for lenders and more accessible for businesses that might not qualify for traditional bank loans.

Amount Range:$30,000 - $5,000,000
Terms:10 - 25 years
Repayment:Monthly

Best For:

Established businessesReal estate purchasesBusiness acquisitionsLong-term capital needs

Flexibility

Alternative Funding Terms

Types of paybacks available include daily or weekly advances via ACH, percentage holdback, or both. Some merchant service processors offer what is known as a split, where your percentage holdback is split between you and your funder without any disruption to your credit card processing. If a split isn't available, a lockbox is set up to accept your credit card sales and then split between you and your funder.

Revolving Advances

Advances are offered after meeting certain criteria with no refinancing of the remaining balance. Access additional capital as you need it without reapplying.

Guaranteed Funds

Eight funding advances are offered and will be disbursed every six weeks over a fourteen-month term. Predictable capital delivery for ongoing business needs.

Line of Credit

An offering of an amount available to you to use as you need and becomes available again as you pay it down. Only pay interest on what you use.

Industries

We Fund All Types of Businesses

Through our Choice Business Funding Network (CBFN), we work with restaurants, retail stores, auto body shops, construction businesses, medical practices, salons, and a variety of other industries and enterprises.

RestaurantsRetail StoresAuto Body ShopsConstruction BusinessesMedical PracticesSalonsGrocery StoresLiquor StoresBoutiquesConvenience StoresFloristsSpasBarber ShopsDental ClinicsGas Stations

Not sure what type of funding you need?

No worries! Contact us or call us now at 513-334-6496. We can answer all of your questions and guide you to the best solution for your business.

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