Funding Options
Funding options built to work for you
Opes Lending Working Capital Access
A flexible funding option you can draw from 24/7 to receive funds within seconds.
• Funding limits from $6K – $100K
• Flexible repayment terms of 12, 18, or 24 months
• Great for keeping extra capital on hand
Funding Solutions
Quick-Funding Projects
Explore our range of fast and flexible funding solutions designed to keep your business moving forward.
Business Line
- No collateral
- Up to $5,000,000*
- Terms up to 24 months
- Funded hours after approval*
Revolving Working Capital Facility
- Up to $5,000,000*
- Terms 9 to 18 months
- No early repayment fees
- Weekly or Monthly payments
Equipment Financing / Leasing
- Up to $5,000,000*
- Flexible financing
- Terms 24 to 72 months
- Financing & Leasing options
Short-Term Loans
- Up to $5,000,000
- Monthly payments
- Flexible Terms - Short Term or Long Term
- Funded minutes after approval
Years of Experience
WHAT SETS US APART
See why business owners choose us
At Opes Lending, we understand that every business is unique — that’s why we provide customized loan solutions designed to match your goals, budget, and growth plans.
Faster Than Traditional Banks
Whereas bank loans can take over 26 hours to apply, Opes Lending allows you to apply in just 5 minutes-with same-day funding possible.
Personalized Loan Packages
Multiple loan types with customizable amounts and repayment schedules, tailored to your business.
One-on-One Support
You’ll deal with a real funding specialist who understands small business needs and helps guide you to the best option.
Transparent Pricing
No hidden fees or surprises — honesty and clarity are foundational to the process.
HOW IT WORKS
Funding that moves at your speed
Get your loan approved instantly by following these simple steps.
01
Complete the application
Our streamlined process is designed to be completed in just minutes.
02
Get a decision
Work with an expert loan advisor to choose the best option for you.
03
Receive your funds
Sign your contract and get funds as soon as the same day.
EXCELLENT CUSTOMER SERVICE
We're fluent in small business — and ready to take your call.
You don’t need to be an expert on small business loans. Our team of U.S.-based loan advisors is here to help you every step of the way.
Frequently Asked Questions
Find quick answers to the most common questions about our funding solutions, loan options, and approval process.
Business Line
A Business Line is a flexible financing option where Opes Lending provides upfront capital in exchange for a percentage of your future credit card sales or daily bank deposits. Unlike traditional loans, repayment happens automatically through daily or weekly deductions from your business revenue.
At Opes Lending, Business Line approvals are fast — usually within 24 to 72 hours. You'll only need minimal documentation, typically 6-12 months of business history, a monthly revenue of $10,000+, and a credit score of 500 or higher. Approval focuses mainly on your cash flow rather than your credit score.
Advantages:
Fast approval and funding
Flexible repayments linked to your sales
Accessible even with lower credit scores
Disadvantages:
Higher costs compared to traditional loans
Daily or weekly repayments required
Cash flow may be strained during slow sales periods
SBA Loans
SBA loans are government-backed financing solutions offering lower interest rates, longer repayment terms, and reduced down payments. Since the SBA guarantees 70-90% of the loan, lenders are more willing to approve small business applications.
At Opes Lending, we offer access to multiple SBA programs:
SBA 7(a): For general business purposes
SBA 504: For purchasing real estate or equipment
SBA Express: Faster approvals for smaller amounts
SBA Microloans: Up to $50,000 for smaller business needs
Approval timelines vary by program:
Standard SBA loans: 30-90 days
SBA Express loans: 5-10 business days
The processing time depends on the program type, lender speed, and how complete your documentation is.
Term Loans
A business term loan provides a lump sum of capital that's repaid over a fixed period with predictable monthly payments. These loans are perfect for business expansion, equipment purchases, or making large-scale investments
Traditional banks: Typically require a credit score of 700+
Alternative lenders: May approve scores as low as 600-650
Higher credit scores usually unlock better rates, higher loan amounts, and more favorable terms.
Loan amounts range from $25,000 up to $5 million, depending on your business's financials, creditworthiness, and intended use of funds. Banks generally offer larger loans for established businesses, while alternative lenders provide faster approval for smaller amounts.
Equipment Financing
Equipment financing allows you to purchase business equipment, vehicles, or machinery while using the equipment itself as collateral. This structure helps you secure competitive rates and preserve your working capital for other expenses.
Financing: You own the equipment once the loan is fully repaid.
Leasing: You make lower monthly payments and can upgrade more easily, but you don't own the equipment at the end of the lease.
Almost all business-related equipment qualifies, including:
Manufacturing machinery
Construction tools and vehicles
Medical devices
Restaurant appliances
Office technology
Computers and IT hardware
Flexible Working Capital Access
This funding option provides on-demand access to capital up to an approved limit. You only pay interest on the amount you use, and you can draw, repay, and reuse funds as needed — making it ideal for managing cash-flow gaps and unexpected expenses.
Secured: Requires collateral, offers higher limits and lower interest rates.
Unsecured: No collateral needed, faster approval, but usually lower limits and higher rates.
Flexible working capital access is versatile and can be used for:
Managing seasonal cash flow
Covering unexpected expenses
Buying inventory
Paying suppliers
Handling emergency repairs
Taking advantage of bulk purchase discounts
General Questions
Consider your specific business needs, funding timeline, credit profile, and repayment capacity.
For short-term needs, Business Line or lines of credit are great.
For long-term investments, term loans or SBA financing work best. Always review the total cost of borrowing, not just the interest rate.
Interest rates are determined by:
Personal & business credit scores
Time in business
Annual revenue & cash flow
Debt-to-income ratio
Collateral availability
Loan amount & term
Current market conditions
Stronger financial profiles typically secure better rates.
Yes! At Opes Lending, we offer options designed for challenging credit situations, including:
Merchant Cash Advances
Asset-based lending
Equipment financing (with equipment as collateral)
Alternative lending programs
While terms may vary, funding is still accessible.
Testimonial
Our Clients Reviews
At Opes Lending, we pride ourselves on helping businesses grow with fast, transparent, and personalized funding solutions. Don’t just take our word for it — here’s what our clients have to say.
Get the Funding Your Business Deserves - Fast!
Secure flexible financing with Opes Lending and take your business to the next level. Apply in minutes, get approved in hours, and receive funds without the hassle.