Choose the financing solution that fits your business.
MicroLendr offers two core funding options designed to support different business goals — whether you need flexible ongoing access to capital or a one-time lump sum for growth.
⚡ Line of Credit
A revolving credit line you can draw from 24/7, designed for quick access to working capital. Many businesses use a line of credit to manage day-to-day operations without taking a large one-time loan.
Key Features
- Draw funds anytime, 24/7
- Receive funds within minutes (when approved and available)
- Credit limits from $5K – $250K
- Flexible repayment terms of 12, 18, or 24 months
- Great for ongoing business needs
Best For
- Inventory restocking
- Payroll coverage
- Cash flow gaps
- Marketing testing & scaling
- Unexpected expenses
💵 Term Loan
A one-time lump sum of cash designed for bigger moves — with the option to apply for additional funding later as your business grows.
Key Features
- One-time lump sum funding
- Loan amounts from $15K – $250K
- Repayment terms up to 24 months
- Great for larger investments in your business
Best For
- Renovations & expansion
- Equipment upgrades
- Hiring and team growth
- Large marketing campaigns
- Consolidating business debt
🎯 Quick Comparison
- Need flexible funds for ongoing expenses? → Choose Line of Credit
- Need a lump sum for a major investment? → Choose Term Loan
Not sure which is right? Our advisors can guide you to the best option based on your goals.
Talk to a Loan Advisor