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Business Funding | Chase for Business | Chase.com

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Business funding

Funding helps business owners get to where they want to go. There are many options, and each comes with its own terms and challenges. Getting familiar with the top funding types can be your first step toward making the right choice for your business.

Funding helps business owners get to where they want to go. There are many options, and each comes with its own terms and challenges. Getting familiar with the top funding types can be your first step toward making the right choice for your business.

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business-funding

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<h2>Types of funding</h2>
&nbsp;
Top considerations
<ul>
<li>Turnaround time</li>
<li>Funding amount</li>
<li>Financing needs</li>
</ul>
In general, the faster you need money, the higher the interest rate and the more expensive it is.
&nbsp;
Funding options from Chase
<ul>
<li>SBA loans</li>
<li>Term loans</li>
<li>Business lines of credit</li>
<li>Business credit cards</li>
<li>Equipment financing</li>
<li>Commercial real estate loans</li>
</ul>
&nbsp;
<h3>BUSINESS CREDIT CARDS</h3>
<ul>
<li>Turnaround time: Disbursement in as fast as 1 day 
All credit applications adhere to Regulation B guidelines. Applicants are notified of our credit decision within 30 days.</li>
<li>Financing needs: Best for day-today business expenses and building business credit</li>
<li>Funding amount: $250–$25K 
Chase values, terms and turnaround times may differ from those of the broader market.</li>
</ul>
<h3>BUSINESS LINES OF CREDIT</h3>
<ul>
<li>Turnaround time: Secure in as fast as 1 day</li>
<li>Financing needs: Best for building growth, meeting inventory needs, increasing purchasing power and managing seasonal cash flow or unexpected expenses</li>
<li>Funding amount: $10K–$250K 
Chase values, terms and turnaround times may differ from those of the broader market.</li>
</ul>
<h3>TERM LOANS</h3>
<ul>
<li>Turnaround time: Secure in 2–4 months</li>
<li>Financing needs: Best for supporting cash flow or financing business expansion</li>
<li>Funding amount: &gt;$250K 
Chase values, terms and turnaround times may differ from those of the broader market.</li>
</ul>
<h3>SBA LOANS 
 In addition to offering multiple types of loans, the U.S. Small Business Administration offers lines of credit for business owners who need short-term working capital.</h3>
<ul>
<li>Turnaround time: Secure in 1–6 months 
Chase values, terms and turnaround times may differ from those of the broader market.</li>
<li>Financing needs: Best for meeting a variety of needs</li>
<li>Funding amount: $2K–$5M 
Chase values, terms and turnaround times may differ from those of the broader market.</li>
<li>A good option for clients without access to conventional credit</li>
</ul>
<h3>MERCHANT CASH ADVANCES</h3>
<ul>
<li>Turnaround time: Secure in 1–7 days</li>
<li>Financing needs: Best for securing fast access to a lump sum of cash upfront repaid using a percentage of future sales plus a fee</li>
<li>Funding amount: $200–$250K</li>
</ul>
<h3>INVOICE FINANCING</h3>
<ul>
<li>Turnaround time: Secure in as fast as 1 day</li>
<li>Financing needs: Best for mitigating emergencies due to late or unpaid invoices</li>
<li>Funding amount: up to 100% of invoice value</li>
</ul>
<h3>EQUIPMENT FINANCING</h3>
<ul>
<li>Turnaround time: Secure in 2–14 days</li>
<li>Financing needs: Best for financing vehicles and equipment and building business credit</li>
<li>Funding amount: $5K–$10M 
Chase values, terms and turnaround times may differ from those of the broader market.</li>
</ul>
<h3>BUSINESS GRANTS</h3>
<ul>
<li>Turnaround time: Secure in 1–3 months</li>
<li>Financing needs: Best for startups and those who don’t qualify for traditional debt financing</li>
<li>Funding amount: $500–$50K</li>
</ul>
<h3>MICROLOANS</h3>
<ul>
<li>Turnaround time: Secure in 1–3 months</li>
<li>Financing needs: Best for those with thin credit profiles or those who can’t secure funds through a traditional bank</li>
<li>Funding amount: $500–$50K</li>
</ul>
<h3>COMMERCIAL REAL ESTATE LOANS</h3>
<ul>
<li>Turnaround time: Secure in as fast as 30 days</li>
<li>Financing needs: Best for buying real estate, renovating property and refinancing real estate debt</li>
<li>Funding amount: $50K–$5M 
Chase values, terms and turnaround times may differ from those of the broader market.</li>
</ul>
<h3>CROWDFUNDING</h3>
<ul>
<li>Turnaround time: Secure in 1–7 days</li>
<li>Financing needs: Best for startups and those that don’t qualify for traditional debt financing, especially if you have a network of friends, family and customers who want to support your business</li>
<li>Funding amount: $5K–$1M</li>
</ul>
&nbsp;
<h2>5 primary sources of funding</h2>
&nbsp;
<h3>Credit unions</h3>
&nbsp;
Nonprofit financial cooperatives
&nbsp;
Customary offerings: low fees and interest rates on business credit cards, business lines of credit, term loans, SBA loans, commercial real estate loans
&nbsp;
<h3>Minority depository institutions (MDIs)</h3>
&nbsp;
Banks or credit unions owned by minority populations
&nbsp;
Customary offerings: products similar to those of a traditional bank or a credit union, plus technical assistance
&nbsp;
<h3>Traditional banks</h3>
&nbsp;
Brick-and-mortar banks staffed with experts, plus online banking services
&nbsp;
Customary offerings: low rates and favorable terms on business credit cards, business lines of credit, term loans, SBA loans, commercial real estate loans
&nbsp;
<h3>Community development financial institutions (CDFIs)</h3>
&nbsp;
Privately owned banks focused on personal lending and business development to revitalize poorer communities
&nbsp;
Customary offerings: microloans, SBA loans, commercial real estate loans for startups, nonprofits and small businesses, plus technical assistance
&nbsp;
<h3>Online lenders</h3>
&nbsp;
Financial technology with a funding process that’s often faster than a traditional bank’s
&nbsp;
Customary offerings: term loans, invoice financing, merchant cash advances that are easier to qualify for but may come at a higher cost

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