Business Funding Solutions Tailored to Your Needs
Get access to competitive rates, flexible terms, and personalized service from a trusted lender.
10K+
businesses funded
$250M+
in capital delivered
A+
BBB Rating
Funding options built to work for you.
Fast, flexible business funding when you need it most. Choose the right financing solution for your specific business needs.
Tariff Term Loan
A one-time lump sum of cash with flexible repayment options to fund larger business investments.
- Loan amounts from $5K - $250K
- Repayment terms up to 24 months
- Great for larger investments in your business
Line of Credit
A revolving credit line you can draw from when you need, only paying for what you use.
- Credit limits from $6K - $100K
- Flexible repayment terms of 12, 18 or 24 months
- Great for keeping funds on hand and managing cash flow
Additional financing solutions for your business
Short-Term Business Loan
Quick access to capital with shorter repayment periods, ideal for immediate business needs.
Learn MoreWorking Capital Loan
Funding to help manage daily operations, inventory purchases, or to cover payroll expenses.
Learn MoreEquipment Financing
Loans specifically for purchasing business equipment, with the equipment serving as collateral.
Learn MoreMerchant Cash Advance
Advance funding based on future credit and debit card sales, with repayment as a percentage of daily sales.
Learn MoreTariff Business Loans
Specialized lending solutions customized for specific industry needs with flexible terms.
Learn MoreBusiness Finance Insights
Expert guidance and insights to help you make informed financial decisions for your business.
Understanding Business Loans
There are several types of business loans available, each designed to address specific business needs. From term loans for major purchases to lines of credit for ongoing expenses, choosing the right financing option is crucial for your business's success.
How to choose the right business loan:
- Consider your specific business needs
- Evaluate repayment terms and total cost
- Check eligibility requirements
- Compare interest rates and fees
Managing Working Capital
Working capital is the lifeblood of your business—the funds available for day-to-day operations. Effective working capital management ensures you can cover operational expenses, invest in growth opportunities, and weather unexpected challenges.
Strategies to improve working capital:
- Optimize inventory management
- Improve accounts receivable processes
- Negotiate better terms with suppliers
- Utilize working capital financing when needed
Business Growth Strategies
Strategic business growth requires careful planning and adequate financing. Whether you're expanding to new locations, investing in equipment, or launching new products, having the right financial foundation is essential.
Finance-backed growth approaches:
- Equipment financing for productivity
- Marketing campaigns funded by short-term loans
- Strategic hiring with working capital
- Inventory expansion with flexible financing
Frequently Asked Questions
What's the difference between a business line of credit and a credit card?
While both offer flexible access to funds, a business line of credit typically provides higher limits, lower interest rates, and cash access without additional fees. Credit cards often have rewards programs but higher interest rates. Lines of credit are better for large purchases and managing cash flow, while credit cards work well for smaller, everyday expenses and building credit.
How can I improve my business credit score?
Improving your business credit score requires consistent financial practices: pay bills on time, maintain low credit utilization (below 30%), establish trade lines with suppliers, separate business and personal finances, regularly monitor your credit reports for errors, and maintain a healthy mix of credit types. Building strong business credit takes time but opens doors to better financing terms.
When should I consider equipment financing instead of a traditional loan?
Equipment financing is ideal when you need specific machinery or technology for your business. Unlike traditional loans, the equipment serves as collateral, often resulting in lower interest rates and easier qualification. Choose equipment financing when you need 100% financing for a specific purchase, want potential tax benefits (Section 179), and prefer a loan term that matches the equipment's useful life.
Industry-Specific Financing Insights
Retail Businesses
Retail businesses often experience seasonal fluctuations and inventory demands. A line of credit or inventory financing can help manage cash flow during slower periods, while merchant cash advances provide quick funding based on future sales.
Restaurants
Restaurants face unique challenges including equipment needs, inventory management, and staffing. Equipment financing can help purchase essential kitchen equipment, while working capital loans support day-to-day operations.
Construction
Construction businesses often require heavy equipment and have project-based cash flow. Equipment financing helps acquire necessary machinery, while lines of credit support ongoing project expenses before client payments.
Healthcare Practices
Medical and dental practices often need specialized equipment and have unique billing cycles. Term loans support practice acquisitions, while equipment financing helps purchase medical technology.
See why business owners choose us.
Easy application process
Get a decision quickly with our streamlined application process designed to be completed in minutes.
Fast funding
Receive funds as soon as the same day after approval, with some products offering instant funding capabilities.
No hard credit pulls
Check your eligibility without affecting your credit score. We use soft credit pulls that don't impact your rating.
What can you do with funding from Tariff?
Enjoy the benefits of working directly with our loan advisors. No matter your goal, our experts can help you choose a financing solution — no middleman or delays.
Purchase inventory
Cover payroll
Expand or renovate
Marketing campaigns
Stabilize cash flow
Upgrade equipment
Hire employees
Consolidate debt
Are we a match? Check our minimum requirements.
1
Year in business
Business
Checking account
$100K
Annual revenue
625
Personal FICO score
Trusted by thousands of business owners like you.
See why customers choose Tariff Business Loans.
"The application process was incredibly smooth. I applied on Monday and had funding by Wednesday. The team at Tariff guided me through each step, making what could have been a stressful process painless."
"With Tariff's line of credit, I can now manage my business's cash flow much more effectively. I only pay for what I use, and the weekly repayment schedule aligns perfectly with my revenue."
"I searched far and wide to find an effective business financing solution that met my needs, and I found that in Tariff. Their flexible terms and transparent fee structure were the key selling points for me."
Awards and recognition.
Get the funding your business needs
Apply now to explore your options and see how much you qualify for. Our application is free, and there's no impact on your credit score to check your rate.