Capital Connection
Capital to Keep Your Business Moving.
Whether you're managing cash flow, purchasing equipment, expanding operations or preparing for your next opportunity, explore capital solutions designed for different business needs.
What Do You Need Capital For?
Select the category that best describes your situation.
Not sure what you need?
Find My ConnectionExplore Ways to Access Capital
Understanding your options is the first step toward finding the right connection.
Business Line of Credit
Flexible recurring capital needs
Access funds as needed up to a set limit. Repay and draw again. Well-suited for businesses with variable or ongoing capital needs.
Term Financing
Larger planned expenses
Receive a lump sum and repay over a defined period. Often used for planned investments with predictable repayment capacity.
Working Capital Financing
Short-term operating needs
Short-duration financing designed to cover day-to-day operational expenses while awaiting revenue or receivables.
Equipment Financing
Vehicles, machinery and equipment
Finance specific assets with the equipment itself often serving as collateral. Preserves working capital for other needs.
Invoice Financing
Businesses waiting on receivables
Access capital tied to outstanding invoices before customers pay. Helps bridge the gap between delivery and payment.
Merchant Cash Advance
Revenue-based access to capital
A purchase of future receivables or revenue. Repayment is typically structured as a percentage of daily or weekly sales.
SBA Loans
Eligible businesses seeking longer-term financing
Government-backed loan programs designed to expand access to financing for qualifying small businesses.
Business Credit Cards
Smaller and revolving business expenses
Revolving credit for everyday business purchases. Can help manage cash flow and build business credit history.
Business Credit
Developing business borrowing capacity
Building a business credit profile can expand future financing options and improve terms over time.
Grants & Programs
Nontraditional capital opportunities
Non-repayable funding from government agencies, foundations and corporations for qualifying businesses and purposes.
Not All Capital Works the Same Way.
Understanding the differences between products helps you ask better questions and make more informed decisions.
| Line of Credit | Term Financing | MCA | Equipment | Invoice | |
|---|---|---|---|---|---|
| Typical purpose | Flexible | Planned investment | Working capital | Equipment | Receivables |
| Structure | Revolving | Installment | Revenue-based / receivables purchase | Asset financing | Receivables advance |
| Speed | Varies | Varies | Often faster | Varies | Varies |
| Qualification factors | Credit + business | Credit + business | Revenue-heavy | Credit + asset | Invoice quality |
| Key thing to understand | APR and fees | Total cost | Total payback and factor structure | Asset terms | Advance rate and fees |
Structure varies by provider and jurisdiction. This table is for educational purposes only.
Find Your Capital Connection
Answer a few questions about your business and we'll help identify capital categories worth exploring.
What do you need capital for?
Tell us about your business.
Explore potential connections.
What Capital Providers Typically Consider
Every provider and product is different, but these factors commonly influence financing decisions.
Business Revenue
Providers may examine average monthly deposits and revenue consistency.
Time in Business
Established businesses generally have access to more financing options.
Personal and Business Credit
Credit requirements vary considerably between products and providers.
Cash Flow
Providers may evaluate whether existing cash flow can reasonably support the financing obligation.
Existing Debt
Current loans, advances and other obligations can affect available options.
Industry
Some providers have industry restrictions or specialized programs.
Intended Use
Equipment, inventory, expansion and working capital may point toward different financing products.
Don't know where you stand?
Check My Capital ProfileKnow the Numbers Before You Sign.
Before accepting any business financing offer, make sure you understand each of these items.
Capital Tools
Understand Any Offer Before You Decide.
Enter the terms of any capital offer — MCA, term loan, line of credit, equipment financing, or invoice financing — and see the real numbers side by side.
MCC Capital Cost Calculator™
Know what your capital costs before you commit.
Enter the terms of any offer and see the real numbers — cash received, total payback, and total cost.
Sometimes You Don't Need More Debt. You Need Another Connection.
If financing isn't the right move right now, My Currency Connection can help you explore other paths.
Capital Knowledge Center
Educational resources to help you make informed decisions about business financing.
Understand Your Connection
My Currency Connection provides educational information and connections to third-party financial products and service providers. MCC may receive compensation from certain providers when users engage with or obtain products through our connections. Financing availability, approval, rates and terms are determined by individual providers and are not guaranteed. This content is for educational purposes only and does not constitute financial, legal or tax advice.