Start with the deal, not the product
Before choosing a product, answer three questions: how soon the seller needs payment, how long until the goods or equipment turn into revenue, and whether this kind of deal comes up again. Match repayment to that sell-through window. Short repayment on slow-moving stock squeezes cash, while a long term on a quick flip usually costs more than it needs to.
- One-time buy that sells fast: short-term working capital
- Deals that come up every season: a business line of credit
- Machines, forklifts, fixtures: equipment financing
- Sales that swing month to month: revenue-based financing
- A new location or larger project: term loans, with SBA loans as a slower option to compare
Alternatives some owners compare
Some owners also compare purchase order financing, invoice factoring, floor plan lines for dealers, supplier trade terms and business credit cards. These can work for specific situations, such as a customer paying on long terms or a dealer stocking a lot. They are worth understanding, but they are alternatives to compare, not the products described on these pages.
If you are unsure which structure fits, see how the process works or read how to present a deal before you apply.
| Option | Best-fit deal | Repayment shape |
|---|---|---|
| Short-term working capital | Closeouts, bulk lots, show specials | Fixed daily, weekly or monthly payments over months |
| Business line of credit | Repeat seasonal and supplier buys | Pay mainly on what you draw; reuse as you repay |
| Equipment financing | Auction, used or liquidation equipment | Fixed payments; the equipment typically secures it |
| Term loans | New locations, larger projects | Fixed payments over a longer term |
| Revenue-based financing | Sellers with seasonal sales swings | Payments rise and fall with revenue |
| SBA loans | Planned, longer-horizon needs | Longer terms; more paperwork and time |
Frequently asked questions
Which option is fastest for an inventory deal?
Short-term working capital usually moves quickest because many funders review recent bank deposits rather than a full financial package. Some approvals come within a day or two, depending on documents. Term loans and SBA loans typically take longer because they ask for more paperwork.
Can I combine two products for one opportunity?
Sometimes. A retailer taking a new space might use equipment financing for fixtures and working capital for opening stock. Combining products adds payments, so map the total weekly or monthly cost against expected sales before accepting more than one offer.
Does Prime Funding Now lend the money?
No. Prime Funding Now helps businesses get funded through our funding partners. The partner reviews the application, makes the credit decision and sets the terms, so offers vary by product, funder and the details of your business. Compare every offer carefully before accepting one.
Is there a minimum amount or time in business?
Requirements vary by product and funder. Many look at time in business, monthly revenue and credit, along with the deal itself. The application lets our funding partners tell you what may fit rather than guessing from a single cutoff.
Tell us about the deal
Apply online and describe the opportunity so our funding partners can review which options may fit.
Updated September 14, 2026 · Prime Funding Now Funding Team