Funding Solutions
Small Business Administration loans offer the most favorable terms for established businesses. SBA 7(a) loans up to $5M for working capital, equipment, and real estate. SBA 504 loans for major fixed assets.
Revolving credit you draw from as needed and repay on your schedule. Ideal for managing cash flow gaps, seasonal fluctuations, or unexpected expenses. Only pay interest on what you use.
Finance the purchase of business equipment with the equipment itself as collateral. Preserve working capital while acquiring the tools your business needs to grow.
Short-term financing to cover day-to-day operational expenses — payroll, inventory, rent, and marketing. Fast approvals for businesses that need capital quickly.
Advance against your future credit card and debit card sales. Repayment is a percentage of daily sales — so payments flex with your revenue. No fixed monthly payment.
Turn outstanding invoices into immediate cash. Sell your unpaid invoices to a factoring company at a discount and receive funds within 24 hours. No debt added to your balance sheet.
Find Your Match
Answer a few questions and get matched with the best funding options for your business — no hard credit pull, no obligation.
This marketplace connects you with third-party lenders. JAPH Business Funding acts as a referral partner and does not make lending decisions. All credit decisions are made by the individual lenders.
What Lenders Look For
Most lenders require 6 months to 2+ years of operating history. Startups have fewer options but we'll find the right fit.
Lenders want to see consistent revenue. Requirements range from $50K/year for some products to $500K+ for SBA loans.
Both personal and business credit matter. We work with scores from 550+ depending on the product and lender.
Some industries face restrictions (cannabis, gaming, etc.). We'll identify lenders that work with your specific industry.
Common Questions