Business funding that fits the way your revenue actually moves.
Schwab Funding helps you compare term loans, lines of credit, and revenue-based financing in a single, streamlined request — then choose the option that suits your cash flow. Checking your options starts with a soft inquiry that won’t affect your credit score.
Meeting minimum criteria does not guarantee funding. All financing is provided by third-party funders, subject to underwriting and approval. Some industries may be restricted.
Built for owners who want clarity before commitment
One request, several lanes
Compare loans, lines of credit, and revenue-based financing from one intake instead of applying everywhere separately.
Soft pull to explore
Checking your options is a soft inquiry that won’t affect your credit score. A hard pull only happens later if you choose to move forward.
Fit over hype
We weigh cash-flow consistency and affordability — not just a single score — so the capital you take on supports the business.
Three ways to access capital
Each program suits a different operating rhythm. Here’s the short version — explore any of them in depth.
Business Loans
A lump sum repaid on a set schedule — well suited to defined projects like equipment, inventory, or expansion.
Line of Credit
A revolving cushion you draw from as needed and repay as you go — built for smoothing everyday cash flow.
Revenue-Based Financing
Repayment that flexes with your sales — useful for seasonal businesses and growth pushes with uneven revenue.
Match the structure to the need
There’s rarely one right answer. The best fit depends on what you’re funding and how your revenue arrives. We walk through this with you on the call.
| Program | Best for | Repayment |
|---|---|---|
| Business Loan | Defined projects | Fixed schedule |
| Line of Credit | Ongoing / on-demand | As you draw |
| Revenue-Based | Seasonal / growth | Flexes with sales |
Typical starting point
These are common minimums used by funding providers. They help set expectations — they are not approval criteria on their own.
Meeting these minimums does not guarantee approval. Final terms depend on the funding provider’s underwriting and program fit.
See your options without the runaround
Book a short call. We’ll review the basics, explain what likely fits, and lay out clear next steps. Soft inquiry to start.