Funding Built for Every Stage of Business
From working capital to equipment financing, ProsperFlo Partners offers flexible products designed around your business — not a one-size-fits-all formula.
Business Term Loan
Predictable payments, long-term growth
$25,000 – $2,000,000
Starting at 7.9% APR
As fast as 48 hours
A lump-sum loan repaid over a fixed schedule. Ideal for expansion, renovations, hiring, or any major investment where you want predictable monthly payments.
Best for
- Business expansion
- Renovations & buildouts
- Hiring & payroll
- Refinancing existing debt
Requirements
- 2+ years in business
- $150K+ annual revenue
- 620+ credit score
Business Line of Credit
Draw what you need, when you need it
$10,000 – $500,000
Starting at 8.5% APR
Decision in 24 hours
A revolving credit facility you draw from as needed and repay on your schedule. Only pay interest on what you use — perfect for managing cash flow gaps.
Best for
- Seasonal cash flow
- Inventory purchases
- Unexpected expenses
- Ongoing operating costs
Requirements
- 1+ year in business
- $100K+ annual revenue
- 600+ credit score
Equipment Financing
Own your equipment, not your lender
$10,000 – $5,000,000
Starting at 6.5% APR
As fast as 24 hours
Finance the equipment your business needs with the asset itself serving as collateral. Preserve working capital while acquiring the tools that drive revenue.
Best for
- Heavy machinery
- Medical equipment
- Restaurant equipment
- Technology & vehicles
Requirements
- Any time in business
- $75K+ annual revenue
- 580+ credit score
Merchant Cash Advance
Advance based on your future sales
$5,000 – $500,000
Factor rates from 1.15
Same-day funding available
Receive a lump sum in exchange for a percentage of future credit card and debit sales. Repayments flex with your revenue — slower months mean smaller payments.
Best for
- Retail & restaurants
- Seasonal businesses
- Fast capital needs
- Low credit situations
Requirements
- 6+ months in business
- $10K+ monthly card sales
- No minimum credit score
SBA Loan
Government-backed, lower rates
$50,000 – $5,000,000
Starting at 6.0% APR
30 – 90 days
SBA 7(a) and 504 loans offer the lowest rates and longest terms available to small businesses. Best for established businesses with strong financials who can wait for approval.
Best for
- Real estate purchase
- Long-term working capital
- Business acquisition
- Major expansion
Requirements
- 2+ years in business
- $250K+ annual revenue
- 680+ credit score
Invoice Financing
Unlock cash tied up in receivables
$10,000 – $2,000,000
Starting at 1% per week
As fast as 24 hours
Turn outstanding invoices into immediate working capital. We advance up to 90% of your invoice value so you don't have to wait 30, 60, or 90 days to get paid.
Best for
- B2B businesses
- Staffing & services
- Contractors
- Wholesale & distribution
Requirements
- Any time in business
- Outstanding B2B invoices
- Creditworthy customers
Not sure which product fits?
Use this quick guide to match your situation to the right funding type.
Your Situation
Best Product
I need capital for a specific project
Business Term Loan
My cash flow is unpredictable month to month
Business Line of Credit
I need to buy equipment or vehicles
Equipment Financing
I need cash fast and have strong card sales
Merchant Cash Advance
I want the lowest possible rate and can wait
SBA Loan
My customers are slow to pay invoices
Invoice Financing
How It Works
Apply Online
Complete our 5-minute application with basic business and financial information.
Get a Decision
Our underwriting team reviews your application and responds within 24 hours.
Review Your Offer
We present clear terms with no hidden fees. Ask questions — we're here to help.
Receive Funding
Once approved, funds are deposited directly to your business account — often same day.