Revenue-Based Financing vs. Merchant Cash Advance vs. Working Capital Loans: What Business Owners Need To Know (The Truth May Surprise You)

Updated: November 30, 2025

The Question Business Owners Ask Every Day: "What's The Difference Between All These Loan Products?"

You're comparing business financing options and you keep seeing different terms:

• Merchant cash advance

• Revenue-based financing

• Working capital loan

• Cash flow financing

• Small business loan (from alternative lenders)

• Business cash advance

• Merchant funding

You've spent hours researching each one, comparing rates, reading reviews, trying to figure out which is "best."

Here's the truth after 20+ years and $1 billion in business financing:

They're all the same product.

Same structure. Same terms. Same repayment. Just different marketing names.

Business owners waste hundreds of hours comparing "different" products that are identical—because the lending industry is completely unregulated and designed to confuse you.

This article exposes exactly what's happening, why it's happening, and what you should actually do instead of wasting time shopping different names for the same loan.

The Big Reveal: These Are ALL The Same Product

Let me be crystal clear about what you're actually comparing:

These Names = IDENTICAL Product Structure:

✅ Merchant cash advance
✅ Revenue-based financing
✅ Working capital loan
✅ Cash flow financing
✅ Cash flow loan
✅ Small business loan (from alternative/online lenders)
✅ Business cash advance
✅ Merchant funding
✅ Revenue-based loan

Plus 20+ other names you'll see across websites, brokers, and marketplaces.

The Identical Structure:

All of these work exactly the same way:

1. You receive: Lump sum of capital ($25K - $1.5M typically)

2. You repay: Over 6-24 months (short-term financing)

3. Payment frequency: Daily ACH, weekly ACH, biweekly, or monthly

4. Pricing: Factor rate (1.15-1.45) or APR (annualized percentage rate)

5. Based on: Your business revenue and cash flow

6. Collateral: None required (unsecured)

7. Approval criteria: Revenue, bank statements, time in business

8. Speed: 1-3 days from application to funding

There is NO structural difference between a "merchant cash advance" and "revenue-based financing."

There is NO difference between "working capital loan" and "cash flow financing."

It's the same product with different marketing labels.

"Wait—Are You Saying I've Been Comparing The Same Thing This Whole Time?"

Yes. Exactly.

Here's what actually happens:

Day 1: You Search "Merchant Cash Advance"

• Read articles

• See mixed reviews (some good, some horror stories)

• Think: "Maybe this isn't for me"

• Decide to keep looking

Day 2: You Search "Revenue-Based Financing"

• Different websites

• Sounds more professional

• Less negative reviews (different name = different search results)

• Think: "This sounds better than merchant cash advance"

• Get quotes from 3-4 lenders

Day 3: You Search "Working Capital Loan"

• More different websites

• Sounds like traditional financing

• Think: "This sounds more legitimate than MCA"

• Get more quotes

Day 4: You Search "Cash Flow Financing"

• Even more websites

• Sounds sophisticated

• Think: "Maybe this is the right option"

• Get even more quotes

Day 5: You Start Comparing All Your Quotes

• 15+ different offers

• All with slightly different terms

• All using different names

• Spend hours in Excel comparing

• Getting more confused

The Reality:

All 15 quotes are for the IDENTICAL product structure.

You just got quotes from:

• 10 brokers (who marked up the same lenders)

• 3 direct lenders (offering the actual product)

• 2 lead generation sites (who sold your info to brokers)

You spent 40+ hours comparing different names for the same thing.

This is exactly what the unregulated lending industry wants—confusion keeps you shopping, and shopping means more opportunities to close you.

How Did This Confusion Happen? The Unregulated Industry Problem

Here's what business owners don't understand about the lending industry:

There Is ZERO Regulation

The alternative lending industry has:

❌ No licensing requirements (anyone can become a "lender")
❌ No certification needed (no training, no testing, no standards)
❌ No regulatory oversight (no government agency monitoring)
❌ No industry standards (every company does whatever they want)
❌ No barrier to entry (start a website tomorrow, call yourself a lender)
❌ No truth in advertising laws (can claim anything)
❌ No consumer protection (you're on your own)

The result:

Millions of websites, brokers, marketplaces, affiliates, and lead generators—all using whatever names they think will get clicks.

Nobody is required to:

• Use consistent terminology

• Disclose they're using different names for the same product

• Explain what's actually different vs. what's just marketing

• Tell you they're a broker (not a lender)

• Reveal their markup

It's the Wild West. And business owners are the ones getting confused.

The "Revenue-Based Financing" Rebrand: What Actually Happened

Let me tell you the real story of how "revenue-based financing" became the hot new term:

The Merchant Cash Advance Reputation Problem (2015-2020)

By 2018-2019, "merchant cash advance" had become toxic:

• Horror stories everywhere (many legitimate)

• Predatory lenders giving industry bad name

• Unethical practices widely reported

• Business owners refusing to consider "MCAs"

• Google search results dominated by negative reviews

The product itself wasn't the problem. The predatory lenders and desperate borrowers were the problem.

But the NAME became radioactive.

The Industry Rebrand (2019-2021)

Here's what lenders did:

They didn't stop offering the product (it's their entire business model).

They changed the name.

"Merchant cash advance" → "Revenue-based financing"

Same structure:

• Same lump sum

• Same repayment terms

• Same factor rates

• Same everything

Different marketing:

• Sounds more sophisticated

• Sounds more like traditional financing

• No negative baggage

• Clean search results (no horror stories under new name)

The goal: Get business owners who refused "merchant cash advances" to consider the identical product under a different name.

And it worked. Brilliantly.

What Happened Next:

Business owners started searching "revenue-based financing" thinking it was:

• A new product

• More regulated

• More professional

• Different from "predatory MCAs"

Meanwhile, they're getting quotes from:

• The exact same lenders who offered merchant cash advances

• Using the exact same underwriting

• Offering the exact same terms

Just with a different label.

The product didn't change. The marketing did.

Why "Working Capital Loan" and "Cash Flow Financing" Exist

Once "revenue-based financing" became popular, other names emerged:

The Marketing Multiplication:

Lenders and brokers realized:

• Different names = different Google searches

• Different searches = more traffic

• More traffic = more leads

• More leads = more deals

So they started using:

• "Working capital loan" (sounds traditional and safe)

• "Cash flow financing" (sounds sophisticated)

• "Small business loan" (sounds like bank financing)

• "Business cash advance" (sounds less scary than MCA)

• "Merchant funding" (sounds professional)

Each name targets different search queries.

Each name captures business owners searching for "alternatives" to the names they don't like.

But they're all marketing the SAME product.

The Business Owner Shopping Cycle (And Why It's Designed This Way)

Here's the pattern we see constantly:

Stage 1: Research Phase

• Business owner needs capital

• Searches "business funding options"

• Discovers 10+ different "types" of financing

• Thinks: "I need to understand all these options"

• Starts researching each one individually

Stage 2: Confusion Phase

• Reading about merchant cash advances (mixed reviews)

• Reading about revenue-based financing (sounds better)

• Reading about working capital loans (sounds traditional)

• Reading about cash flow financing (sounds sophisticated)

• Thinks: "These all seem different, I need to compare"

Stage 3: Shopping Phase

• Applies to 5-10 different "lenders"

• Gets quotes for different "products"

• Sees different names, different terms

• Thinks: "I'm doing my due diligence"

• Spends 40-60 hours comparing

Stage 4: Decision Paralysis

• 15 different quotes

• All slightly different pricing

• All using different terminology

• Can't tell what's actually different

• Confused and exhausted

Stage 5: Closes With Whoever Follows Up Best

• Doesn't choose based on best terms

• Chooses based on who makes it easiest

• Often ends up with broker (highest markup)

• Never realizes all the "different" options were identical

This cycle exists because confusion is profitable.

Confused business owners:

• Shop longer (more opportunities to close them)

• Compare more options (more brokers get a shot)

• Focus on names instead of terms (easier to manipulate)

• Don't realize they're being marked up

The Predatory Lender Problem: Why MCA Got A Bad Name

Let me be very clear about something:

The merchant cash advance product is not inherently predatory.

But predatory lenders exist—and they've given the entire industry a terrible reputation.

What Predatory Lenders Actually Do:

Bait and Switch:

• Advertise low rates to get you to stop shopping

• Change terms at closing

• "Oh sorry, underwriting needs these new terms"

• Pressure you to sign anyway

Hidden Fees:

• Origination fees not disclosed upfront

• Processing fees

• Administrative fees

• Broker fees buried in paperwork

Stacking (The Death Spiral):

• Approve you for multiple advances simultaneously

• Total payments exceed your cash flow capacity

• You default on existing obligations

• They push you to take another advance to "consolidate"

• Debt spiral accelerates

False Promises:

• "Sign this now, we'll get you a line of credit in 2 weeks"

• The line of credit never comes

• You're stuck with terms you didn't want

Coercion:

• Daily harassing phone calls

• Threats about your credit

• Pressure tactics to take more capital

• Making you feel stupid for asking questions

Misrepresentation:

• Calling themselves "lenders" when they're brokers

• Not disclosing their markup

• Claiming direct approval when they're shopping your deal

• Fake "approval" offers to stop you from comparing

Does this happen? Yes. Constantly.

Is the product predatory? No. The LENDERS are predatory.

It's like blaming credit cards for predatory credit card companies. The tool is neutral. The user determines the outcome.

Google Rankings Don't Mean Quality (The $100K/Month Ad Spend Problem)

Here's something else business owners don't realize:

Top Google Results = Highest Ad Spend (Not Best Lender)

The lenders you see at the top of Google are there because:

✅ They pay Google $50K-$150K per month in advertising
✅ They have massive marketing budgets
✅ They optimize for clicks (not quality)

NOT because:

❌ They're the most ethical
❌ They offer the best terms
❌ They've been in business longest
❌ They have the best reputation

Google ranks by:

1. Who pays the most for ads

2. Who gets the most clicks

3. Who has the best SEO

Google does NOT rank by:

• Lender quality

• Ethics

• Transparency

• Customer satisfaction

• Longevity

The brokers with the biggest marketing budgets dominate search results.

The ethical direct lenders who've been in business 20+ years are buried on page 3.

You're seeing the companies that are best at marketing—not best at lending.

What You Should Actually Do Instead of Shopping Loan Names

Here's the simple truth after 20+ years in this industry:

The more you shop, the more confused you get, and the more likely you are to end up with a broker charging you markup or a predatory lender playing bait-and-switch games.

Here's what smart business owners do instead:

Find ONE Established Direct Lender With 20+ Years Experience. Apply There. Done.

That's it. That's the strategy.

Not 10 applications. Not comparing 15 different "offers." Not playing lenders off each other.

One reputable direct lender. One application. Real underwriting. Honest terms.

What To Look For In That ONE Lender

When you're choosing which lender to work with, here's what actually matters:

1. Direct Lender (Not Broker)

This is THE most important factor.

Direct Lender:

• Makes the lending decision themselves

• Prices the deal directly (no markup)

• Faster approval (one decision maker)

• One point of contact throughout

• Real underwriting from day one

Broker:

• Shops your deal to multiple lenders

• Marks up the rate 10-30% (their profit)

• You pay more for the same loan

• Slower process (waiting on lender responses)

• No control over final terms

How to verify:

• Ask: "Are you a direct lender or a broker?"

• Check their website: Do they clearly state "direct lender"?

• Look for physical address and real company information

If they're a broker, you're paying unnecessary markup. Work with the direct lender instead.

2. Longevity (20+ Years In Business)

20+ years in business means:

• Survived multiple economic cycles

• Established track record

• Not a fly-by-night operation

• Has standards and processes

• Will be around to service your account

2-3 years in business means:

• Untested in recession

• May not survive next downturn

• Unknown reputation

• Possibly questionable practices

Companies like LVRG Business Funding that have been operating for 20+ years and have facilitated over $1 billion in funding—those are the lenders you want to work with.

3. Transparency (Clear Terms, No Games)

Reputable lenders are transparent from day one:

✅ Tell you total repayment amount upfront
✅ Explain payment schedule clearly
✅ Disclose any fees (if any)
✅ Show you real terms before you sign
✅ Don't change terms at closing
✅ Answer all questions directly

Red flag lenders:

❌ Won't quote total cost
❌ "We'll see what underwriting says"
❌ Change terms right before funding
❌ Add fees that weren't disclosed
❌ Pressure you to sign quickly
❌ Dodge direct questions

If a lender won't give you straight answers before you apply, they're playing games.

4. Standards (They'll Say NO When Appropriate)

Good lenders have underwriting standards:

✅ Won't fund declining revenue businesses
✅ Won't fund overleveraged businesses
✅ Won't fund survival/desperation situations
✅ Will decline deals that don't make strategic sense
✅ Care about whether you can actually pay it back

Predatory lenders fund everyone:

❌ "Everyone approved!"
❌ "Bad credit? No problem!"
❌ "We say yes when banks say no!"
❌ No analysis of whether it makes sense

If a lender will approve anyone regardless of situation, they don't care about your outcome—they just care about closing the deal.

You WANT a lender who will say no if the timing or situation isn't right.

5. Real Underwriting (Not "Soft Offers")

Here's something most business owners don't know:

When you apply to 10 different websites and get 10 different "offers"—most of those aren't real.

They're "soft approvals" or "pre-qualifications" based on minimal information.

Then when you pick one and sign contracts, REAL underwriting happens, and the terms change.

"Sorry, underwriting can't do those terms. But we can do THIS."

Bait and switch.

Reputable direct lenders do real underwriting from the start:

• Review actual bank statements

• Analyze your full financial picture

• Give you REAL terms based on REAL underwriting

• Those terms don't change at closing

If you're getting "instant approvals" or "soft offers" within minutes of applying—those aren't real.

Real underwriting takes 2-4 hours. Real terms don't change.

Why Working With LVRG Makes Sense

We're different because:

We're A Direct Lender (Not A Broker)

• No markup

• We make the lending decision

• Real underwriting upfront

• Terms don't change

We've Been In Business 20+ Years

• Survived multiple recessions

• $1 billion+ funded

• 10,000+ businesses financed

• Track record you can verify

We're Transparent

• Real terms from real underwriting

• No hidden fees

• No bait and switch

• Clear answers to all questions

We Have Standards (We Say NO)

• Won't fund declining revenue

• Won't fund overleveraged businesses

• Won't fund survival situations

• Will tell you if traditional financing makes more sense

We Don't Play The Name Game

We could call our product:

• "Strategic Capital Acceleration"

• "Revenue Velocity Funding"

• "Dynamic Growth Solutions"

But we don't. Because that's misleading.

We offer working capital financing based on revenue. Whether you call it merchant cash advance, revenue-based financing, or working capital loan—it's the same structure.

What matters is:

• Working with a direct lender (not broker)

• 20+ years in business (not fly-by-night)

• Transparent terms (not bait and switch)

• Real standards (not approve everyone)

That's what separates us from the thousands of websites, brokers, and marketplaces out there.

The One Product Type That IS Different: Business Lines of Credit

Before we go further, let me clarify ONE type that IS structurally different:

Business Line of Credit = Different Structure

How it works:

• You get approved for a credit limit ($100K for example)

• You draw only what you need ($20K)

• You pay interest/fees only on what you draw

• As you pay down, credit becomes available again (revolving)

This IS different from:

• Merchant cash advances

• Revenue-based financing

• Working capital loans

• (Which are all lump sum, one-time funding)

Lines of credit are useful for:

• Ongoing working capital needs

• Unpredictable cash flow gaps

• Multiple small purchases over time

But for one-time capital needs, you typically want lump sum funding—which brings us back to all those names being the same product.

How To Actually Compare Business Financing (The Right Way)

Stop comparing names. Use this framework:

Step 1: Determine What You Actually Need

Ask yourself:

How much capital do you need?

• $25K-$100K → Short-term working capital

• $100K-$500K → Short-term or traditional (depends on use)

• $500K+ → Probably need traditional financing

What are you using it for?

• Time-sensitive opportunity → Short-term working capital

• Long-term asset (10+ years) → Traditional/SBA

• Immediate revenue generation → Short-term working capital

• Non-revenue generating → Traditional financing

What's your timeline?

• Need capital in 1-3 days → Working capital (any of those names)

• Can wait 30-60 days → Traditional bank

• Can wait 90-120 days → SBA loan

What's your expected ROI?

• 200%+ return in 90 days → Working capital makes sense (higher cost justified)

• 50% return over 3 years → Traditional financing (lower cost)

Step 2: Find Direct Lenders (Skip Brokers)

Look for:

• Companies with 10-20+ years in business

• "Direct lender" clearly stated

• Physical address and real contact info

• Verifiable track record

Avoid:

• "We shop your deal to multiple lenders"

• Require application before showing sample terms

• Won't disclose if they're direct lender or broker

• Generic contact@ email addresses

Step 3: Get 2-3 Quotes From Direct Lenders

You don't need 15 quotes. You need 2-3 from actual direct lenders.

Ask each:

• Total repayment amount

• Repayment term

• Payment frequency

• Any additional fees

• Prepayment options

Compare these factors—not the product names they use.

Step 4: Verify Transparency

Red flags:

• Won't answer cost questions directly

• Changes terms at closing

• Adds fees that weren't disclosed

• Pressures you to sign immediately

• Won't let you review contract

Green flags:

• Answers all questions clearly

• Explains exactly what you're signing

• No hidden fees

• No pressure tactics

• Will decline if it doesn't make sense for you

Step 5: Make Decision Based On Terms and Trust

Choose based on:

• Best total cost for your situation

• Most transparent lender

• Repayment structure that fits your cash flow

• Lender you trust (longevity, standards, transparency)

NOT based on:

• Which name sounds better

• Who followed up most

• Who approved you fastest (everyone approves everyone)

Frequently Asked Questions

Is revenue-based financing really the same as merchant cash advance?

Yes. Structurally identical.

Both are:

• Lump sum of capital

• Repaid over 6-24 months

• Based on revenue/cash flow

• Priced with factor rate or APR

• Unsecured (no collateral)

The only difference is marketing terminology. Lenders started calling it "revenue-based financing" when "merchant cash advance" got a bad reputation.

Why do lenders use so many different names if it's the same product?

Three reasons:

1. SEO/Marketing - Different names capture different Google searches

2. Reputation management - When one name gets negative reviews, rebrand

3. Confusion is profitable - Business owners shopping multiple "different" products waste time and often choose based on marketing instead of terms

The more confused you are, the longer you shop, and the more opportunities they have to close you.

How can I tell if I'm talking to a direct lender or a broker?

Ask directly: "Are you a direct lender or a broker?"

Other signs they're a broker:

• They say "I'll shop your deal to our network of lenders"

• They require you to sign authorization forms before showing terms

• They can't give you specific terms without "checking with underwriting"

• Their website has vague language about "partnering with lenders"

• They won't disclose their fee/markup

Direct lenders:

• Make the lending decision themselves

• Can quote terms immediately after reviewing financials

• Are transparent about being the actual funding source

Is merchant cash advance predatory?

The product is not predatory. Some lenders are.

Predatory lenders exist in every category:

• Credit cards

• Auto loans

• Personal loans

• Payday loans

• AND merchant cash advances / revenue-based financing

The product is a tool. How it's used (by lender and borrower) determines whether it's predatory or strategic.

Predatory lender + desperate borrower = disaster
Ethical lender + strategic borrower = profitable growth

Same product. Different outcomes.

What should I actually search for if all these names are the same?

Stop searching by product name.

Instead search for:

• "Direct business lender [your city/state]"

• "Business funding requirements"

• "How to compare business financing"

• "Direct lender vs broker business loans"

Or skip the search entirely and contact established direct lenders with 20+ year track records.

How do I know if working capital makes sense for my situation?

Working capital (by any name) makes sense when:

✅ You have a time-sensitive opportunity
✅ The opportunity generates immediate ROI (30-180 days)
✅ Expected return exceeds the cost (200%+ ROI)
✅ Your cash flow can support repayment
✅ Your debt service is under 35% of revenue

It does NOT make sense when:

❌ Revenue is declining
❌ You're overleveraged already
❌ You need survival capital (covering bills, payroll)
❌ No clear ROI plan
❌ Purchasing long-term assets (use traditional financing)

The product name doesn't matter. Your situation and timing do.

Should I get multiple quotes?

Honest answer: No. Here's why.

When you apply to multiple lenders, here's what actually happens:

1. Most "quotes" aren't real - They're soft approvals based on minimal info

2. You're feeding the broker ecosystem - 70% of those sites are brokers who mark up deals

3. You waste time comparing fake offers - Real underwriting happens at closing (then terms change)

4. Lenders know you're shopping - They make inflated offers to get you to stop

5. You end up with bait and switch - "Sorry, underwriting can't do those terms..."

Better approach:

Find ONE established direct lender with 20+ years in business. Apply there. Get real underwriting. Accept their terms or decline.

That's it.

Companies like LVRG Business Funding:

• Direct lender (no markup)

• 20+ years in business

• Real underwriting upfront

• Terms don't change at closing

• Will tell you NO if it doesn't make sense

One application. Real terms. Honest process.

Shopping 10+ lenders just sets you up to get played by brokers and predatory lenders.

The Bottom Line: Stop Shopping Names, Start Evaluating Terms

After 20+ years and $1 billion in business financing, here's what I know for certain:

Business owners waste hundreds of hours comparing "revenue-based financing" vs. "merchant cash advance" vs. "working capital loans" vs. "cash flow financing"—thinking they're evaluating different products.

They're not.

It's the same product structure with different marketing names.

The lending industry is completely unregulated, filled with brokers, and designed to confuse you so you keep shopping (giving them more opportunities to close you at marked-up rates).

What You Should Do Instead:

1. Understand all these names = same product

2. Stop shopping multiple lenders (sets you up for broker markup and bait-and-switch)

3. Find ONE established direct lender (20+ years in business like LVRG)

4. Apply there with complete information

5. Get real underwriting upfront (not soft offers that change later)

6. Accept their terms or decline (don't play lenders off each other)

7. Work with a lender who has standards (will say NO when appropriate)

Why This Matters:

When you understand the game, you stop being played.

When you know all these names are the same product, you stop wasting time comparing.

When you apply to ONE reputable direct lender instead of shopping 10+ websites, you avoid broker markup, fake offers, and bait-and-switch tactics.

When you work with an established company like LVRG Business Funding (20+ years, $1B+ funded, direct lender), you get honest terms from real underwriting—not games.

Why Work With LVRG Business Funding

We're telling you this because we're different:

We're A Direct Lender (Not A Broker)

• No markup

• We make the lending decision

• Fast approval (one decision maker)

• Transparent pricing

We've Been In Business 20+ Years

• Survived multiple economic cycles

• $1 billion+ in funding facilitated

• 10,000+ businesses financed

• Track record speaks for itself

We Have Standards (We'll Say No)

• Won't fund declining revenue businesses

• Won't fund overleveraged businesses (>35% debt service)

• Won't fund survival situations

• Will tell you if traditional financing makes more sense

We're Transparent About What We Offer

• We call it "working capital financing" or "revenue-based financing"

• We acknowledge it's the same structure as merchant cash advance

• We explain terms clearly upfront

• No hidden fees

• No bait and switch

We Don't Play The Name Game

We could call our product:

• "Strategic Business Capital"

• "Growth Acceleration Funding"

• "Revenue Velocity Financing"

• "Dynamic Cash Flow Solutions"

But we don't. Because that's misleading.

We offer short-term working capital based on revenue. Call it whatever you want—merchant cash advance, revenue-based financing, working capital loan—it's the same product.

What matters is:

• Are you working with a direct lender or broker?

• Are they transparent?

• Do they have standards?

• Will they decline deals that don't make sense?

That's what separates ethical lenders from predatory ones.

Ready To Work With An Honest Direct Lender?

If you're generating $50,000+ monthly revenue and have a strategic growth opportunity, we can help.

LVRG Business Funding
Direct Lender | 20+ Years Experience | $1B+ Financed

What We Offer:

Funding Amounts: $25,000 - $1.5 Million
Approval Time: 2-4 hours
Funding Speed: Same-day available
Repayment Terms: 6-24 months, structured to your cash flow
Requirements: $50K+ monthly revenue, 3-4 months bank statements, clear use of funds

Our Approach:

We'll Tell You If You Don't Qualify:

• Declining revenue? We'll decline and explain why

• Overleveraged? We'll explain what debt service ratio needs to be

• Need traditional financing instead? We'll tell you

We'll Explain Everything Clearly:

• Total repayment amount

• Exact payment schedule

• All fees (if any)

• Prepayment options

We Won't Play Games:

• No bait and switch

• No hidden fees

• No pressure tactics

• No false promises

We Fund Strategic Growth (Not Survival):

• Time-sensitive opportunities

• Clear ROI plans

• Revenue-generating deployments

• Established businesses with cash flow

Contact Us:

Phone: (855) 998-5874
Email: info@lvrgllc.com
Website: LVRGFunding.com

Business Hours: Monday-Friday, 8 AM - 6 PM EST
Response Time: Under 3 hours for applications

Apply online at LVRGFunding.com - Get honest answers, not marketing games.

Remember: All these loan names are the same product. Stop shopping names. Find an ethical direct lender. Compare actual terms. Make a strategic decision based on your situation—not on which marketing name sounds better.

That's how smart business owners approach financing.

Updated November 30, 2025 - This article reflects LVRG Business Funding's honest approach to business financing education. All information current as of this date.

Important Disclaimer: All rates, terms, and examples are for illustrative purposes. Actual rates and terms vary based on business revenue, credit profile, time in business, industry, existing debt, and other underwriting factors. Contact LVRG Business Funding for personalized quotes specific to your business.