Business Loans & Working Capital Financing
Capital for payroll, inventory, equipment, expansion, acquisition and everything in between — from same-day advances to 25-year SBA money.
Business Financing at Keystone
Most business owners do not need "a loan." They need the right loan — the one whose repayment shape matches the shape of the problem. A restaurant covering a slow February should not be in the same product as a manufacturer buying a $400,000 CNC machine, and neither belongs in the product a staffing firm uses to bridge 60-day client payment terms.
Keystone underwrites across 43 distinct business funding programs, which means the conversation starts with what you are trying to accomplish rather than with whatever single product we happen to sell. Some of these close in hours on bank-statement review alone. Others take six weeks and reward you with the cheapest capital available to a small business anywhere in the country. Both are legitimate answers — to different questions.
One application reaches all of these
You do not need to choose a program before you apply. Tell us the situation and an advisor will map it to the right structure — including telling you if a different category on this site fits you better.
Our most-requested business programs
Each of these has a full page covering terms, requirements, how the product actually helps, honest drawbacks and detailed FAQs.
Merchant Cash Advance
Cash in hand today, repaid as a small slice of tomorrow's sales.
Business Term Loan
One amount, one rate, one payment date. The workhorse of business lending.
Business Line of Credit
A standing limit you draw from when you need it — and only pay for what you use.
SBA 7(a) Loan
The cheapest, longest money a small business can get — if you can wait for it.
SBA 504 Loan
Own your building at 10% down with a rate that never moves for 25 years.
Equipment Financing
The equipment secures itself — which is why approval is easier than you expect.
Invoice Factoring
You already earned the money. Factoring just stops you waiting for it.
Purchase Order Financing
Say yes to the order that is bigger than your bank account.
Startup Business Loans
Capital for the stage where the business has a plan but not yet a track record.
Business Acquisition Loans
Buy cash flow that already exists instead of building it from zero.
Every business program we fund
43 programs in this category. Anything marked with an arrow has a full detail page; everything else is arranged through the same single application.
Looking for something else?
Tell us about your business funding need
One form, reviewed by an advisor who works on business files every day.
- Soft credit pull — no impact on your score.
- No cost to apply or to review your options.
- A response within one business day, usually sooner.