How do you choose between these products?
Match the product to the purpose. One-time investments that pay back over years usually fit a term loan or equipment financing. Needs that rise and fall fit a line of credit. Long projects with flexible timing may justify SBA options, and short, urgent gaps are where faster products are sometimes worth their higher cost.
- Expansion, projects, permanent working capital: business term loans
- Inventory, payroll timing, receivables gaps: business lines of credit
- Machinery, vehicles, technology: equipment financing
Not sure? Our line vs term loan guide walks through the decision.
Why does 1Prime Capital focus on monthly-payment products?
Established companies with strong credit and full documentation typically qualify for structures that match how they actually collect cash: monthly payments, longer terms and usually lower cost than daily or weekly products. That is especially useful when a bank reduces, freezes or declines to renew a line and the business needs a dependable replacement.
Requirements vary by product and funder; many look at time in business, monthly revenue and credit. Our qualifications guide explains how those factors are weighed together.
Frequently asked questions
Does 1Prime Capital lend its own money?
No. 1Prime Capital helps businesses get funded through our funding partners. We review your goals and documents, match your request to partners whose programs fit an established, strong-credit profile, and help you compare the offers that come back.
Can I apply for more than one product at once?
Yes. One application lets us look at which structures fit, and many established companies end up pairing products, such as a credit line for swings and a term loan or equipment financing for long-lived investments.
Is there a minimum funding amount?
Requirements vary by product and funder, so we do not state a single minimum. Tell us what you need and why, and we will show which options are realistic for your numbers.
Not sure which product fits?
Tell us what you are funding, and we will compare options from our funding partners.
Updated September 14, 2026 · 1Prime Capital Funding Team