Funding options, explained clearly
Prism Funding Group helps you review a focused set of practical funding structures. The details below are general guidance — actual terms depend on review and approval.
Term Loan
A funding option for businesses seeking a defined amount of capital with structured repayment.
- Approximate range: roughly $20K–$1M
- Terms may extend up to about 24 months depending on approval and fit
- Often used for expansion, marketing, hiring, equipment, inventory, vendor obligations, or operating pressure
- A good fit for planned business needs with a clear use of funds
Working Capital
Flexible funding for operating needs such as payroll, inventory, marketing, staffing, software, repairs, vendor payments, or seasonal pressure.
- Fit is often tied to monthly business revenue and operating history
- Often suited for businesses operating about 12+ months with steady monthly revenue
- Helpful when timing of expenses and income don't line up
- Structured around the rhythm of your operations
Line of Credit
A funding option that may provide access to capital as business needs arise.
- Useful for uneven cash flow and project timing
- Helpful for inventory timing and vendor payments
- Can support marketing campaigns and short-term operating needs
- Draw on capital when you need it, as needs come up
Ranges and timeframes shown are general guidance only and are not an offer. Prism Funding Group does not publish APRs, factor rates, or guaranteed terms. This is not a commitment to lend. All funding is subject to approval.
Start a business funding inquiry
Share a few details and a funding advisor will help you review available options and practical next steps.