Working Capital Advance
A revenue-based advance sized to your monthly deposits — the fastest route to cash on this list, built for payroll gaps, inventory buys, and can't-wait opportunities.
Up to $1M
Funding marketplace · 8 products · 50 states
Eight ways to fund a business. One application.
Kestano matches your business with offers from a network of lending partners — working capital, SBA, equipment, credit lines, and more. $5K to $5M, with approvals in as little as 24 hours.
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financing products
$5K–$5M
funding range
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fastest approval
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states served
The eight products
Every financing product we match, in one place.
Your application is read against all eight at once. These are the product lines behind your matches.
SBA Loans — 7(a) & 504
Government-backed pricing for the big moves: acquisitions, expansions, commercial real estate, and refinancing expensive debt. Slower to close, cheapest to carry — worth the paperwork when the numbers are large.
Up to $5M2–6 weeks
Line of Credit
Draw, repay, redraw. Standby cash for the months that surprise you.
Up to $250K1–3 days
Business Term Loan
A lump sum with fixed payments — for projects with a clear price tag.
Up to $5M3–7 days
Equipment Financing
The machine secures the loan, so approval leans on the asset — not just your credit file.
Up to $2M2–5 days
Business-Purpose HELOC
Put home equity to work in the business, at property-backed rates.
Up to $500K1–3 weeks
Business Credit Cards
Credit lines spread across cards — built for recurring spend, float between invoices, and keeping personal cards out of the business.
Up to $150K in lines1–2 weeks
Credit Repair & Building
Not matching yet? A structured program that works your business credit profile until the offers start arriving — then we run your matches again.
Ongoing program
How it works
From application to funded, in four steps.
No product roulette. You apply once and the marketplace does the comparing.
Apply once
One two-minute application. Soft credit pull only — your score never takes a hit for looking.
Get matched
Your profile is read against the criteria of all eight product lines across our partner network.
Compare offers
An advisor walks you through matched options side by side — amounts, terms, timing, total cost.
Take your pick
Choose an offer, sign, and funds land — as fast as 24 hours for working capital.
You shouldn't have to guess which loan to apply for.
Most owners pick one product, apply, and hope. Kestano flips that: one application is read against the qualification criteria of all eight product lines at once, so you only ever see financing your business actually fits.
- Soft credit pull only — matching never dings your score
- A human advisor reviews every match before you see it
- No obligation — compare offers and walk away anytime
Match results example
Working capital advanceSized to deposits · funds in 24–48 hrs
Matched
Business line of creditDraw as needed · 1–3 days
Matched
SBA 7(a) loanGovernment-backed · 2–6 weeks
Matched
Equipment financingNo equipment purchase on file
Not a fit
Illustrative example — your matches depend on your business profile.
Industries
Built for the businesses banks make wait.
Different industries stress cash flow in different ways. The matching accounts for yours.
Construction
Bridge slow draws and mobilize crews before the invoice clears.
Medical & dental
Fund equipment, buildouts, and payroll between reimbursement cycles.
Restaurants & hospitality
Smooth the seasonal swings and finance refits without closing the doors.
Retail
Stock up ahead of peak season without draining the register.
Trucking & transportation
Cover fuel, repairs, and new rigs while freight invoices settle.
Manufacturing
Buy raw materials and machinery on your production schedule, not the bank's.
Professional services
Carry payroll through the long client payment cycles.
E-commerce
Turn inventory faster with capital sized to your actual sales data.
FAQ
Questions owners actually ask.
Will applying affect my credit score?
No. Matching runs on a soft credit pull, which never shows up as an inquiry on your report. A hard pull only happens if you accept an offer that requires one — and your advisor will flag that clearly before anything is run.
How fast does funding actually arrive?
It depends on the product you choose. Working capital advances can land in 24–48 hours, lines of credit in 1–3 days, term loans in 3–7 days, equipment financing in 2–5 days, while SBA loans run 2–6 weeks. Every match shows its timing up front so you can pick for speed or for price.
What does my business need to qualify?
Most of our partners look for at least 3 months in business and roughly $10K or more in monthly revenue. If your file is thinner than that, you won't be turned away silently — the credit building program exists specifically to get businesses to the point where they match.
Is Kestano the lender?
No. Kestano is a funding marketplace, not a lender. Financing is arranged through a network of third-party funding partners, and every offer you see comes from one of them. We show you the matches; the partner funds the deal.
How does Kestano decide which products I match with?
Your application is read against the qualification criteria of all eight product lines at once — revenue, time in business, credit profile, industry, and what the money is for. A human advisor then reviews the results before you see them, so nothing on your match list is a long shot.
What does it cost to apply?
Nothing. Applying is free, takes about two minutes, and commits you to nothing. You can review your matched offers, ask questions, and walk away at any point.
Do you work with businesses in my state?
Yes — Kestano arranges financing for businesses in all 50 states. Product availability can vary slightly by state and industry, which is exactly the kind of detail your matches account for automatically.
Find out what your business matches with.
Two minutes, a soft credit pull, and every one of our eight product lines gets a look at your application.
Prefer email? Write to danawhitmore@kestano.com