Side-by-side

Compare your funding options before you apply.

Plain-language head-to-head breakdowns of the most-asked business funding questions. Each comparison gives you a concrete decision rule, not a marketing pitch.

SBA Loan vs Merchant Cash Advance

The cheapest small business loan in America versus the fastest. One funds in 30–90 days at 11% APR; the other funds tomorrow at 50–150% factor cost.

Decision rule

Time-to-fund matters more than rate? MCA. Have 60 days and great credit? SBA. The middle ground is usually a term loan, not either of these.

Read the comparison

Business Term Loan vs Line of Credit

Lump sum with fixed payments versus revolving access you can draw and repay. Same dollar amount on paper — totally different cost depending on how you use it.

Decision rule

Will you use 80%+ of the capital within 60 days? Term loan. Will utilization sit below 30%? Line of credit. Below 20%, the LOC is wrong product entirely.

Read the comparison

Skip the comparison and just apply.

One application, 300+ lenders, decisions in 24 hours. We'll show you which product fits based on your business — instead of you guessing.

See What You Qualify For

2-min application Rates from 5.75% Soft credit pull

This content is for informational purposes only and does not constitute financial, tax, or legal advice. Funding amounts, rates, and terms vary by lender and are subject to credit approval and verification. Quick Loans Direct is a marketplace, not a direct lender.