Working Capital / Merchant Cash Advance
A revenue-based advance sized to your monthly deposits — the fastest route to cash on this list, built for payroll gaps, inventory buys, and can't-wait opportunities.
Up to $20M
Funding marketplace · 12 products · 50 states
Twelve ways to fund a business. One application.
Kestano matches your business with offers from a network of lending partners — working capital, SBA, equipment, credit lines, and more. Funding up to $20,000,000, with decisions in as little as 24 hours.
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funding products
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application, multiple lender offers
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decisions in as little as
Soft pull
checking options won't affect your credit
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states served
The twelve products
Every financing product we match, in one place.
Your application is read against all twelve at once. These are the product lines behind your matches.
SBA Loans — 7(a) & 504
Government-backed pricing for the big moves: acquisitions, expansions, and refinancing expensive debt. Slower to close, cheapest to carry — worth the paperwork when the numbers are large.
Up to $5M1–4 weeks
Revenue-Based Financing
Capital sized to your sales, with payments that flex as revenue moves.
Up to $10M1–2 days
Business Term Loan
A lump sum with fixed payments — for projects with a clear price tag.
Up to $10M3–7 days
Line of Credit
Draw, repay, redraw. Standby cash for the months that surprise you.
Up to $5M1–3 days
Equipment Financing
The machine secures the loan, so approval leans on the asset — not just your credit file.
Up to $10M2–5 days
MCA Consolidation
Roll multiple existing advances into one payment and give the daily cash flow room to breathe.
Up to $10M3–5 days
Commercial Real Estate
Buy, build, or refinance the building your business runs from.
Up to $20M2–4 weeks
Invoice / P.O. Financing
Unlock the cash sitting in unpaid invoices and purchase orders instead of waiting on net-60.
Up to $10M1–2 days
Business-Purpose HELOC
Put home equity to work in the business, at property-backed rates.
Up to $1M2–3 weeks
Business Credit Cards
Credit lines spread across cards — built for recurring spend, float between invoices, and keeping personal cards out of the business.
Up to $250K0% intro options1–2 weeks
Credit Repair & Building
Not matching yet? A structured program that works your business credit profile until the offers start arriving — then we run your matches again.
Ongoing program
How it works
From application to funded, in six steps.
No product roulette. You apply once and the marketplace does the comparing.
Apply
One application, a couple of minutes. It covers all twelve product lines at once.
Review
Soft credit pull only — checking your options never touches your score.
Compare
Matched offers from multiple lenders, side by side — amounts, terms, timing, total cost.
Approval
Decisions come back fast — often the same business day.
Funding
Sign and the money lands — in as little as 24 hours, depending on the product.
Grow
Put the capital to work — and re-match whenever the business needs its next round.
You shouldn't have to guess which loan to apply for.
Most owners pick one product, apply, and hope. Kestano flips that: one application is read against the qualification criteria of all twelve product lines at once, so you only ever see financing your business actually fits.
- Soft credit pull only — matching never dings your score
- A human advisor reviews every match before you see it
- No obligation — compare offers and walk away anytime
Match results example
Working capital advanceSized to deposits · funds in 24–48 hrs
Matched
Business line of creditDraw as needed · 1–3 days
Matched
SBA 7(a) loanGovernment-backed · 1–4 weeks
Matched
Equipment financingNo equipment purchase on file
Not a fit
Illustrative example — your matches depend on your business profile.
Qualification
The minimums, out in the open.
No mystery scorecards. If your business clears these bars, the marketplace has something for it.
Working capital & MCA
500+ FICO, 6+ months in business, and $10K or more in monthly revenue. That's the whole bar — the fastest lane in the marketplace is also the most forgiving one.
Under the thresholds? The credit repair program exists to get you across them.
Term loans & SBA
650+ FICO and 2+ years in business — the tradeoff for the lowest pricing on the board.
What to have ready
3–4 months of business bank statements and a one-page application. That's the whole stack.
Industries
Built for the businesses banks make wait.
Different industries stress cash flow in different ways. The matching accounts for yours.
Construction
Bridge slow draws and mobilize crews before the invoice clears — working capital and invoice financing built around the draw schedule.
Medical & dental
Fund equipment, buildouts, and payroll between reimbursement cycles.
Restaurants & hospitality
Smooth the seasonal swings and finance refits without closing the doors.
Retail
Stock up ahead of peak season without draining the register — inventory lines and credit sized to your sales curve.
Trucking & transportation
Cover fuel, repairs, and new rigs while freight invoices settle — equipment financing that leans on the asset, not the credit file.
Manufacturing
Buy raw materials and machinery on your production schedule, not the bank's.
Beyond funding
Services that keep the back office effortless.
The same network that funds your business can run the plumbing behind it.
Payment processing
Take cards and digital payments with rates worth a second look.
Bookkeeping
Clean books, month after month — and lender-ready the day an underwriter asks for them.
Payroll
Pay the team on time, every time, with taxes handled — one less reason to touch the working capital.
Advisory
A second brain on financing decisions, structure, and timing.
FAQ
Questions owners actually ask.
How fast can funding actually arrive?
It depends on the product your matches point to. Working capital can fund in 24–48 hours; revenue-based and invoice financing run 1–2 days; lines of credit 1–3 days; equipment financing 2–5 days; term loans 3–7 days; SBA loans 1–4 weeks; commercial real estate 2–4 weeks. Every match shows its timing up front, so you can pick for speed or for price.
Will checking my options affect my credit score?
No. Matching runs on a soft credit pull, which never shows up as an inquiry on your report. A hard pull only happens if you accept an offer that requires one — and your advisor will flag that clearly before anything is run.
What does my business need to qualify?
For working capital and merchant cash advances, partners generally look for a 500+ FICO, 6+ months in business, and $10K or more in monthly revenue. Term loans and SBA set the bar higher: 650+ FICO and 2+ years in business. Under those thresholds, the credit repair program exists specifically to get you across them.
What documents do I need to apply?
Three to four months of business bank statements and a one-page application — that's the whole stack for matching. A specific offer may ask for more during underwriting, but nothing extra is needed just to see your options.
How does repayment work?
It follows the product. Working capital and revenue-based financing collect small automatic payments tied to your sales. Term loans, SBA loans, and equipment financing carry fixed monthly payments. Lines of credit and cards only cost you on what you actually draw. Whatever you match with, the full repayment picture is spelled out before you sign.
Is Kestano the lender?
No. Kestano is a funding marketplace, not a lender. Financing is arranged through a network of financing partners, and every offer is subject to that partner's underwriting. We show you the matches; the partner funds the deal.
What can the funds be used for?
Nearly any business purpose: payroll, inventory, equipment, a buildout, marketing, tax bills, consolidating existing advances, or buying the building. The one line that matters — funds arranged through Kestano are for business use, not personal spending.
Find out what your business matches with.
Two minutes, a soft credit pull, and every one of our twelve product lines gets a look at your application.
Two minutes. Soft credit pull only. No obligation to accept anything.