Small Business Capital Review
Homedough Capital reviews your request and connects you with funding partners for working capital, equipment, expansion, and inventory. Funding partners make approval, rate, term, and underwriting decisions — terms and timelines vary by partner program.
Business Funding Options We Review
Each product serves a different need. Click a CTA to submit a request for that path — we'll connect you with funding partners whose programs may fit. Terms and approval are set by partners, not by us.
Working Capital / Revenue-Based Financing
What it is: Funding based largely on your business's monthly revenue and bank deposits, repaid as a percentage of future sales or through fixed payments.
Who it suits: Operating businesses with consistent monthly revenue who need cash for day-to-day operations.
Qualification: Partners typically review monthly revenue, deposit consistency, time in business, and industry.
Cost: Payment frequency and total cost vary by partner and program. Some structures use daily or weekly payments; others use fixed monthly payments.
Helpful documents
Business Term Loans
What it is: A defined lump sum repaid over a set term with a fixed or variable rate. You receive the full amount upfront and pay it down on a schedule.
Who it suits: Businesses with planned investments — equipment, expansion, a specific project — who want predictable payments.
Qualification: Partners review revenue, time in business, credit, and debt-to-income. Each sets its own minimums.
Cost: Interest applies to the full loan amount for the full term. Compare total cost, not just the monthly payment.
Helpful documents
Business Lines of Credit
What it is: Access to funds up to a set credit limit. Draw what you need, when you need it. Pay interest on the drawn balance, not the full limit.
Who it suits: Businesses with seasonal or ongoing cash flow needs who want flexibility.
Qualification: Partners review revenue, deposit consistency, time in business, and credit. Limits are set by the partner.
Cost: Interest on drawn balances only. May include draw fees, maintenance fees, or renewal terms — confirm with the partner.
Helpful documents
Equipment Financing
What it is: Funding to acquire machinery, commercial vehicles, technology, or specialized tools. The equipment itself often serves as collateral.
Who it suits: Businesses purchasing or upgrading equipment — from construction machinery to kitchen equipment to trucks.
Qualification: Partners review equipment type, cost, vendor, and your business's ability to service the payment.
Cost: Fixed monthly payments over the equipment's useful life. Distinguish ownership financing (you own it) from leasing (you use it).
Helpful documents
Consolidation
What it is: New funding used to pay off multiple existing advances, combining them into one payment. The goal is simpler management and sometimes a lower total payment.
Who it suits: Businesses with several outstanding advances who want to streamline to one obligation.
Qualification: Eligibility depends on what the new funding partner accepts and your ability to service the new payment.
Cost: Compare total cost across the full term — a lower monthly payment over a longer term can cost more overall.
Helpful documents
Reverse Consolidation
What it is: Capital that helps you keep up with payments on existing advances — without paying them off. Your existing obligations remain outstanding; the new funding bridges you while you work them down.
Who it suits: Businesses managing multiple daily/weekly payment obligations who need breathing room.
Qualification: Partners review existing obligations, revenue, and your ability to service both old and new payments.
Cost: This adds capital rather than removing debt — total obligations may increase. Understand total cost before proceeding.
Helpful documents
Startup & Credit-Based Funding
What it is: Funding that relies on personal credit rather than business revenue, designed for startups or pre-revenue businesses. Some programs offer promotional periods.
Who it suits: New businesses, pre-revenue founders, or businesses with limited operating history.
Qualification: Personal credit plays a key role. Eligibility and amounts are typically smaller than revenue-based programs.
Cost: Promotional periods may apply — confirm the post-promotion rate, fees, and terms. Understand the full cost before accepting.
Helpful documents
Payroll, inventory, marketing, and expansion are common uses of funds across these products — request the product that best matches your need. For detailed business-product criteria, visit the Business & Investor Product Directory.
Common Uses of Business Funds
These aren't separate products — they're what the capital can help you accomplish.
Business Funding Questions
What's the difference between a term loan and a line of credit?
A term loan gives you a lump sum upfront repaid over a set term — best for one-time purchases. A line of credit gives you access to funds up to a limit, and you pay interest only on what you draw — best for ongoing or seasonal cash flow needs. See our guide for a full comparison.
What's the difference between consolidation and reverse consolidation?
Consolidation pays off and combines existing advances into one new payment. Reverse consolidation provides capital to help manage existing advance payments while the original obligations remain outstanding — it adds capital rather than removing debt. See our guide for details.
Do you work with startups or pre-revenue businesses?
Some funding partners offer credit-based programs for startups or pre-revenue businesses. These typically rely on personal credit and offer smaller amounts than revenue-based programs. Be honest about your revenue status — don't claim revenue you don't have.
How fast can business funding close?
Timelines vary by partner and product. Revenue-based and working capital programs may move faster than term loans or SBA-style financing. We help set realistic expectations after reviewing your situation — we don't promise a specific timeline.
Will I need to provide bank statements?
Most business funding partners review bank statements and financials as part of underwriting. However, you don't need to provide them on the initial public form — documents can be submitted through a secure upload after a specialist reviews your request.
Other Ways Homedough Can Help
Beyond capital, these Homedough services help your business grow revenue and operate more efficiently — stronger operations support a stronger funding request.
Websites & Business Automation
Build or upgrade your business website and automate operations so you're ready to put capital to work.
Advertising & Business Visibility
Get found by more customers and grow revenue — a stronger top line can support a stronger capital request.
Find the Right Capital for Your Next Move
Tell us what you're working toward, and we'll help identify the capital options that may fit. If you already know what you need, choose your funding path below. If you're unsure, select "Help Me Choose." Submit your request and a Homedough Capital specialist will follow up with you shortly.
We do not request Social Security numbers, full bank account numbers, or passwords on this form. Sensitive documents may be provided later through an approved secure upload.