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Funding pathways

Funding pathways, in the right order.

Nine routes into business capital, mapped against your file and brokered in the sequence that protects your next approval — not just this one.

SBA 7(a) & 504

$50K – $5M

Best for established businesses that can support full underwriting and want the lowest long-term cost of capital.

SBA loans are originated by a partner lender and partially guaranteed by the SBA, which lets the lender extend longer terms and lower rates than conventional products. 7(a) covers general working capital and acquisition; 504 is built for real estate and heavy equipment with a fixed-rate second position. The file requirement is the deepest in the network.

What lenders look at

  • Two-plus years of financials
  • Debt-service coverage ratio
  • Collateral position
  • Personal guarantee and credit of owners

Term loans

$25K – $1M

Best for a single, defined use of funds with a known payback horizon — expansion, refinance, a one-time purchase.

You receive a lump sum and repay it on a fixed schedule, typically monthly, over a set term. Rate and term are priced off cash flow strength and time in business, not credit score alone.

What lenders look at

  • Monthly and annual revenue trend
  • Existing debt schedule
  • Bank statement consistency
  • Industry risk classification

Business lines of credit

$25K – $500K

Best for recurring or seasonal capital needs where re-borrowing the same lump sum every time doesn't fit.

A revolving limit you draw against and repay, paying interest only on what's outstanding — similar to a business credit card but usually at a lower cost and a higher limit.

What lenders look at

  • Banking history depth
  • Average daily balance
  • Draw and repayment pattern on renewal
  • Revenue consistency

Equipment financing

$10K – $2M

Best for purchasing or refinancing revenue-generating equipment — vehicles, machinery, medical or construction equipment.

The equipment itself secures the loan, which is why approval can move faster and with lighter documentation than an unsecured product — the lender's risk is offset by the collateral.

What lenders look at

  • Equipment type and resale value
  • Vendor quote or invoice
  • Down payment
  • Cash flow to service the payment

Commercial real estate

$150K – $10M

Best for acquiring, refinancing, or building out owner-occupied or investment property.

Financed similarly to a commercial mortgage — loan-to-value and debt-service coverage drive the terms, with amortization often longer than the loan's fixed-rate period.

What lenders look at

  • Property appraisal and condition
  • Loan-to-value ratio
  • Rent roll for investment property
  • Sponsor and guarantor financial strength

Working capital

$20K – $1M

Best for covering payroll, inventory, or day-to-day operating gaps between receivables and expenses.

Structured as a short-term loan or advance repaid from ongoing revenue, priced for speed rather than the lowest possible rate.

What lenders look at

  • Average monthly deposits
  • Existing advances stacked against the business
  • NSF and overdraft frequency
  • Time in business

Revenue-based financing

$25K – $750K

Best for strong, consistent revenue that doesn't need collateral pledged or equity given up.

Repayment is priced against the deposits the business generates rather than a fixed monthly payment — you sell a fixed amount of future receivables for capital today, so the pace of business drives the pace of repayment.

What lenders look at

  • Monthly deposit consistency
  • Existing revenue-based positions
  • Industry
  • Bank account history

Invoice & AR financing

$20K – $2M

Best for B2B businesses with slow-paying customers who need cash now against invoices already issued.

You sell or borrow against outstanding invoices; the lender advances a percentage upfront and releases the remainder, minus a fee, once the customer pays.

What lenders look at

  • Customer creditworthiness, not just yours
  • Invoice aging
  • Concentration risk in one customer
  • Accounts receivable process

Business card programs

$10K – $150K

Best for day-to-day spend management, employee card control, and building a business credit trade line.

A revolving charge or credit line tied to the business entity, often reporting to business credit bureaus separately from the owner's personal credit.

What lenders look at

  • Personal credit of the guarantor
  • Time in business
  • Industry
  • Existing card and trade line utilization

Ranges above are illustrative pathway maximums, not offers. Legendary Pathway is a business consulting and loan brokerage firm, not a lender. Every route is brokered subject to lender approval and underwriting; actual amount, rate, and term depend on your file and vary by lender and profile.

Find out which of these nine you're positioned to win.

Four minutes, no hard credit pull. Subject to lender approval.

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