Merchant Cash Advance
A purchase of a portion of a business's future receivables that can provide flexible commercial working capital.
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Business financing solutions
Compare commercial financing structures and learn which documents, criteria, and risks independent providers commonly evaluate. The right option depends on each business's purpose, cash flow, and ability to repay.
Explore eight commercial options
Each guide explains how the product works, who it may fit, what documentation is commonly requested, and which terms deserve comparison before accepting a proposal.
Business Line of Credit
Revolving access to business capital, subject to an approved limit and the provider's draw and repayment terms.
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Business Term Loan
A lump-sum commercial loan repaid on a defined schedule, useful for investments with a measurable budget and timeline.
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SBA Loan
Financing made by participating lenders under a U.S. Small Business Administration program, subject to lender and SBA requirements.
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Equipment Financing
Financing designed around the purchase or lease of business equipment, with terms influenced by the asset and business profile.
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Commercial Real Estate Financing
Commercial financing for eligible acquisitions, refinances, and property-backed business projects.
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Working Capital Financing
Short- or medium-term commercial financing intended to support ordinary operating needs and cash conversion cycles.
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Accounts Receivable Financing
Commercial funding based on eligible business invoices or receivables, including factoring and secured receivables facilities.
View guideHow to compare options
Before comparing products, define the purpose, amount, and timing of the capital your business needs. Gather recent bank statements, revenue records, existing debt information, ownership details, and a clear description of how funds will be used. Then compare proposals on the same basis: total amount received, payment amount and frequency, estimated total cost, term, collateral or guarantee requirements, prepayment treatment, and any reporting obligations. A lower periodic payment may extend the repayment period or change the total cost, while faster access may carry different terms. Ask for written explanations of unfamiliar fees or conditions before you proceed.
Excel Capital Funding LLC is a commercial financing broker and referral source, not a direct lender. Every option is subject to the applicable independent provider's underwriting, approval, documentation, and availability. Excel Capital Funding does not offer, broker, or arrange financing for businesses located in California.