Navigate Business Funding With Confidence
Independent guides to specialty B2B financing. Rates verified at minimum every 90 days — every table shows its last verification date.
- FundingCompass covers 8 specialty B2B financing types: invoice factoring, equipment financing, equipment leasing, merchant cash advances, SBA loans, business lines of credit, accounts receivable financing, and purchase order financing.
- All rate data is sourced from lender-published schedules and verified at minimum every 90 days — each page shows its last verification date.
- Rankings and editorial coverage are not influenced by commercial relationships — providers cannot pay for placement, improved rankings, or favorable coverage.
- Start with the guide for your product type, then use a compare page to evaluate specific lenders side by side.
FundingCompass is an independent editorial guide for business owners evaluating invoice factoring, equipment financing, and merchant cash advances. Every rate on this site is sourced from lender-published schedules and verified by date — tables show the month and year each rate was last confirmed.
What Are You Trying to Do?
I need cash against unpaid invoices
I need cash against unpaid invoices. Invoice factoring converts outstanding B2B invoices into immediate cash — typically 80–95% of invoice value within 24–48 hours — based on your customer’s creditworthiness rather than yours.
→ How Invoice Factoring Works — Complete Guide → Best Invoice Factoring Companies of 2026
I need to buy equipment
I need to buy equipment. Equipment financing uses the asset you are buying as collateral — no separate security required. Rates range from 5.5–18% APR depending on credit score and equipment type.
→ Equipment Financing for Small Businesses — 2026 Guide → Best Equipment Financing Companies of 2026
I was offered a merchant cash advance
I was offered a merchant cash advance. Before you sign, understand what an MCA actually costs. Effective APRs of 40–350% are common — this guide explains factor rates, daily holdback, and cheaper alternatives.
Merchant cash advances commonly carry effective APRs of 40–350%. Before signing, use our MCA True Cost Calculator to see the real annualized cost.
→ Merchant Cash Advances Explained — Costs, Risks & Alternatives
I need help by industry
I need financing options specific to my industry. Not all lenders work with every industry — and some sectors (construction, trucking, healthcare) have highly specialized requirements. Use these industry guides for financing rules and lender recommendations specific to your business type.
- Invoice Factoring for Trucking Companies — advance rates up to 97%, same-run fuel advances
- Invoice Factoring for Staffing Agencies — payroll funding, back-office services
- Medical Invoice Factoring — HIPAA compliance, insurance receivables
- Invoice Factoring for Construction Companies — retainage, lien waivers, progress billings
I want to compare options side by side
I want to compare options side by side. Compare pages put two or more financing products head-to-head with modelled cost examples and decision frameworks — so you can see the real difference in total cost, not just the rate.
- Recourse vs. Non-Recourse Factoring
- Invoice Factoring vs. Line of Credit
- eCapital Review 2026
- Fundbox Review 2026
I want to calculate my cost
I want to calculate my cost. Enter your invoice value, advance rate, and fee to see your net payout and effective APR — or enter your MCA factor rate and holdback to see what you’re actually paying on an annualized basis.
→ Invoice Factoring Cost Calculator → MCA True Cost Calculator → Business Loan Calculator
How This Site Works
Editorial Policy
FundingCompass is advertiser-funded and editorially independent. We may earn a referral fee when you apply through links on this site — this never affects our rankings or editorial opinions. Each affiliate relationship is disclosed individually on the relevant page. How We Make Money
Our editorial decisions — which providers to cover, how to rank them, what rates to publish — are made independently of any commercial relationship. Providers cannot pay to improve their review, ranking, or coverage on this site. For the FTC guidance on high-cost business lending and borrower rights, see the FTC’s small-business resources.
Rate Verification
Rate data on this site is updated when lenders change their published schedules — at minimum every 90 days. Every rate table shows the month and year it was last verified. Primary sources include lender-published rate schedules, the Nav.com lender database, and SBA small business financing program data.
Who This Site Is For
FundingCompass is written for business owners, CFOs, and controllers evaluating specialty financing options under time pressure. We assume you are intelligent and skeptical — if a product has a downside, we say so directly. If you want step-by-step guidance, start with a guide; if you already know what product you need, go straight to a compare page.
→ Editorial Standards · About FundingCompass · Business Funding Glossary