Working capital
Funding for day-to-day needs, repaid from your business's revenue over a set period.
- Amounts
- $10,000 to $2,500,000
- Repayment
- Daily or weekly
- Best for
- Short-term needs
- Inventory
- Payroll
- Slow seasons
- Repairs
Funding that's fair and square.
Working capital, term financing and lines of credit from $10,000 to $2,500,000. Apply once, and every offer from our funding partners comes back side by side, in plain numbers.
- One application, many funders
- Total cost shown in dollars
- A real person to call
Your offers, side by side
Example: a $50,000 request
Total cost of this funding
$14,000
Cost per $1$0.28
Example offers. Not an offer or a commitment to fund.
- $10,000 to $2,500,000Funding amounts
- 3 productsMatched to how your business runs
- 1 applicationMatched to the lender criteria you fit
- $0 to applyAnd no obligation to accept
Three ways to fund your business
Not sure which fits? Apply once and your advisor will show you every option your business qualifies for, side by side.
Term financing
A lump sum with a fixed payment schedule, for bigger investments in the business.
- Amounts
- $10,000 to $2,500,000
- Repayment
- Fixed payments
- Best for
- Planned investments
- Equipment
- Renovations
- Expansion
- New location
Line of credit
An approved limit you can draw from when you need it, and pay down as you go.
- Amounts
- $10,000 to $2,500,000
- Repayment
- On what you draw
- Best for
- Ongoing costs
- Cash-flow gaps
- Opportunities
- Emergencies
- Supplies
How it works
Four steps from application to funding, with a real person on your side the whole way.
- 1
Apply once
Tell us about your business and send your last three months of business bank statements.
About 5 minutes - 2
We match you
Your advisor matches your business with the lender criteria it fits, so you don't apply ten times.
- 3
Compare offers
Every offer comes back side by side: amount, payback, payment and total cost. Your advisor walks you through them.
- 4
Get funded
Sign the written terms with the funding partner you picked, and the money goes to your business account.
See what funding really costs
Offers often quote a factor rate instead of an interest rate. Plug in any offer to see the payback, the payment and the total cost in dollars.
$10,000$2,500,000
A 1.28 factor rate means you pay back $1.28 for every $1 you get.
Payments
Total cost of this funding$14,000
You pay back$64,000
Weekly payment$1,846
Cost per $1$0.28
An estimate for comparing offers, not an offer or a commitment to fund. Your real offer shows the exact terms.
Lender, broker or marketplace?
It helps to know who you're dealing with. Fair Square is a funding marketplace: we work for you, across many funders.
| Feature |  | Direct lender | Typical broker |
|---|---|---|---|
| Offers from many funders | Yes | Its own only | Yes |
| Every offer shown side by side | Always | One offer | Not always |
| Total cost in dollars, up front | Always | Varies | Varies |
| One application | Yes | Yes | Yes |
| One advisor from start to funding | Yes | Varies | Varies |
| Free to apply | Yes | Usually | Usually |
What it takes to apply
Most applications need only a few documents. Here's what to have ready and what funding partners review.
What you'll need
- Last three months of business bank statementsPDFs straight from your bank work best.
- Business detailsLegal name, address, tax ID and start date.
- Owner detailsName, contact info, ownership percentage and a photo ID.
- What the funding is forInventory, equipment, payroll, expansion or anything else.
What partners look at
- Monthly revenueSteady deposits into a business bank account.
- Time in businessHow long you've been open and operating.
- Bank activityAverage balances, overdrafts and existing payments.
- CreditPartners may review business and personal credit.
Who we work with
- Restaurants
- Construction
- Trucking
- Retail
- Auto repair
- Medical and dental
- Salons and spas
- Landscaping
- E-commerce
- Wholesale
- Manufacturing
- Professional services
Don't see your industry? Apply anyway. Our funding partners work with most types of U.S. businesses. Applicants must be 18 or older, and funding is for business use only.
Guides before you sign
Plain-language guides to help you compare funding and prepare your application.
Compare
Working capital vs. a line of credit
Access, repayment and which fits your cash flow.
CompareTerm financing vs. a line of credit
Lump sum or draw as you go, and what each costs.
CompareSBA loans vs. alternative funding
Eligibility, paperwork, timing and cost, side by side.
CalculatorFactor rate, APR and total cost
What each number means and how to compare offers.
PrepareWhat funders look for
Revenue, time in business, bank activity and credit.
ChecklistDocuments to have ready
Everything to gather so your application moves fast.
Questions
Can't find your answer? Call and talk to a real person.
(888) 885-0986Or email info@fairsquarefunding.com
Is Fair Square a lender?
No. Fair Square is a funding marketplace, not a bank or a lender. We match your business with funding partners and help you compare their offers. The funding comes from the partner you choose, under their written agreement.
How much can I get?
Our funding partners provide from $10,000 to $2,500,000. How much you're offered depends on your revenue, time in business, bank activity and credit.
What does it cost to apply?
Nothing. Applying is free, and you're under no obligation to accept an offer.
How fast can I get funded?
It depends on the funding partner and how quickly your documents come in. Once your application and statements are in, your advisor will give you a realistic timeline for each offer.
Will my credit be checked?
Funding partners may review business and personal credit as part of their decision. Your advisor will tell you what each partner looks at before you go ahead.
What's a factor rate?
A factor rate is a multiplier on the amount you get. With a 1.28 factor rate on $50,000, you pay back $64,000, so the funding costs $14,000. Use the cost calculator to compare any offer in dollars.
What if I already have funding?
Tell us what you have now. Some partners can work alongside existing funding; your advisor will show you what's realistic.
Can I pay off early?
It depends on the funding partner and the product. Early payoff terms are spelled out in each written offer, and your advisor will point them out.
Good to know before you apply
Applying isn't a commitment
An application, a calculator result or a pre-qualification message is not a binding offer or a commitment to fund.
Terms vary
Products, pricing and availability depend on underwriting, verification and final approval by the funding partner.
Business use only
Funding is for business purposes, not personal or consumer credit. Nothing is binding until you sign the final documents.
See what your business can get.
From $10,000 to $2,500,000. One application, every offer side by side, and a real person to walk you through them.