Funding Built for Business Growth
From working capital to long-term expansion — Paylo Capital structures the right solution for where your business is headed.
The Right Capital at the Right Time
Every business has different needs. We offer a full suite of funding options so you're never forced into a one-size-fits-all product. Our team works with you to match the right capital structure to your goals, your timeline, and your cash flow.
Business Term Loans
Predictable payments. Real capital.
A lump-sum advance repaid over a fixed term with set payments. Ideal for major investments — equipment, expansion, hiring, or acquisitions — where you need a defined repayment schedule.
$25,000 – $500,000
Amount
6 months – 5 years
Terms
As fast as 24–48 hours
Funding Speed
Best For
- Equipment purchases
- Business expansion
- Hiring & staffing
- Acquisitions
Merchant Cash Advance
Revenue-based. No fixed payments.
Receive a lump sum upfront in exchange for a percentage of your future daily credit card sales. Repayment flexes with your revenue — when sales are strong, you pay more; when slower, you pay less.
$10,000 – $250,000
Amount
3 – 18 months
Terms
As fast as 24 hours
Funding Speed
Best For
- Retail & restaurants
- Seasonal businesses
- Quick cash needs
- Low credit scores
Business Line of Credit
Draw what you need. Pay only for what you use.
A revolving credit facility you draw from as needed and repay on your schedule. Perfect for managing cash flow gaps, covering payroll, or seizing time-sensitive opportunities without taking on a full loan.
$10,000 – $250,000
Amount
Revolving — 6 to 24 months
Terms
Approved in 1–3 business days
Funding Speed
Best For
- Cash flow management
- Payroll coverage
- Inventory restocking
- Ongoing expenses
SBA Loans
Government-backed. Long-term rates.
Small Business Administration loans offer the lowest rates and longest terms available to small businesses. Our team has 7+ years of SBA 504 production experience to guide you through the process efficiently.
$50,000 – $5,000,000
Amount
Up to 25 years
Terms
2–8 weeks (expedited available)
Funding Speed
Best For
- Real estate purchase
- Long-term equipment
- Business acquisition
- Established businesses
General Eligibility Requirements
Most of our products require the following minimums. Exact criteria vary by product.
Monthly Revenue
$15,000+ gross monthly sales
Time in Business
6+ months in operation
Business Type
U.S.-based LLC, Corp, or Sole Prop
Credit Score
500+ (varies by product)
Bank Statements
3 months most recent
Industry
Most industries accepted
How Fast Can You Get Funded?
Apply Online
Complete our 5-step application in minutes. No lengthy paperwork or branch visits required.
Get Matched
Our team reviews your profile and matches you to the best product for your situation.
Receive Funds
Once approved, funds are deposited directly to your business account — often within 24 hours.