Funding Options
Practical options, explained plainly
We help business owners review a focused set of funding options and find what fits. No jargon, no pressure — just clear information.
Term Loan
A funding option for businesses seeking a defined amount of capital with structured, predictable repayment.
- Best when you have a specific use of funds and want a clear repayment schedule.
- Approximate range: roughly $20K–$1M, depending on approval and fit.
- Terms may extend up to about 24 months, depending on approval and fit.
We do not publish APRs, factor rates, interest rates, guaranteed terms, or guaranteed approval. Specific terms are reviewed before you accept any offer.
Working Capital
Flexible funding for day-to-day operating needs such as payroll, inventory, repairs, marketing, equipment, or seasonal pressure.
- Often a fit for businesses operating about 12+ months with steady monthly revenue.
- Fit is frequently tied to monthly business revenue and operating history.
- Useful when timing matters and you want to keep operations moving.
Eligibility and amounts depend on review. Working capital is not a guarantee of approval.
Line of Credit
A funding option that may provide access to capital as business needs arise, so you can draw when it makes sense.
- Helpful for uneven cash flow and revenue that moves month to month.
- Useful for inventory timing and vendor payments.
- Suited to short-term operating needs that come up without much notice.
Availability is not guaranteed and depends on review and approval terms.
This is not a commitment to lend. All funding is subject to approval.
Start a business funding inquiry
Share a few details and a Blue Ridge Funding Co advisor will help you review options that may fit your business.