Business funding through Colaeb

Capital matched to how your business actually runs.

Access $10,000 to $5 million, depending on product, through our lending partner network. One application, multiple offers, and checking your options won't affect your credit.

Check Your Funding OptionsCompare products

No obligation to accept an offer. All financing is subject to approval.

$10K–$5M
Term loans, lines of credit, SBA and equipment financing
Up to $10M
Commercial real estate financing
1–3 days
Typical funding for term loans and lines of credit
500+
Credit scores considered across most profiles
Funding in as little as 24 hours
Application takes minutes
Multiple offers, one application
Checking won't affect your credit

Funding options

Six ways to fund growth, side by side.

Amounts, terms and speed vary by product. Compare them here, then see which offers your business qualifies for.

Product
Amount
Terms
Funding time
Best for
Term loans + working capital
$10K–$5M
6 mo–10 yrs
1–3 days
Expansion, hiring, defined one-time investments
Business lines of credit
$10K–$5M
6 mo–10 yrs
1–3 days
Cash-flow gaps and recurring needs; draw as you go
SBA loans
$10K–$5M
10–25 yrs
30–45 days
Established businesses seeking long terms and lower payments
Equipment financing
$10K–$5M
1–6 yrs
2–5 days
Vehicles, machinery, studio and production gear
AR + PO financing
$100K+ in invoices aged up to 90 days
Ongoing
2–5 days
Turning unpaid invoices and purchase orders into cash
Commercial real estate
$250K–$10M
10–30 yrs
25–40 days
Buying, refinancing or renovating commercial property

Figures reflect our lending partner's published ranges. Your actual amount, rate and term depend on your business profile and are subject to approval.

Choosing the right funding

Which business funding option fits your goal?

The right product depends less on how much you need and more on what the money is for and how quickly it will pay you back. As a rule, match short-term needs with short-term financing and long-term investments with longer terms, so you are not paying interest longer than necessary or squeezing cash flow with payments that come due too fast.

If you are buying a business, refinancing debt or purchasing property and can wait 30 to 45 days, an SBA loan usually offers the longest terms and lowest payments. If you need a defined amount for an expansion, hire or launch, a term loan funds in days with a fixed schedule. For recurring or unpredictable cash-flow gaps, a business line of credit lets you pay interest only on what you draw. Buying vehicles, machinery or gear? Equipment financing uses the asset as collateral. And for payroll, inventory or waiting on invoices, explore working capital options, including receivables financing.

Not sure? You don't have to decide up front. One application shows every product you qualify for, and a dedicated funding advisor walks through the trade-offs with you before you commit. Based in Ohio? See small business funding in Columbus.

SBA loans →

10–25 year terms for established businesses.

Lines of credit →

Draw, repay and draw again as needs change.

Term loans →

A lump sum with a predictable payment.

Equipment financing →

The equipment secures the loan.

Working capital →

Payroll, inventory and cash-flow gaps.

Columbus & Ohio →

Funding for Central Ohio businesses.

Guide by Manny Larcher, Founder of Colaeb · Updated October 2026. General information, not financial advice.

Who qualifies

Three basics open most doors.

4–6 mo

Time in business

Many options open up after as little as four to six months of operating history.

$10K+

Monthly gross sales

About $120,000 a year in revenue. Steady deposits strengthen your offers.

500+

Credit score

Options exist for most credit profiles. Stronger credit generally unlocks longer, lower-cost terms.

How it works

From application to funded in three steps.

  1. 1

    Apply online

    Answer a few questions about your business. It takes minutes and won't affect your credit.

  2. 2

    Review your offers

    A dedicated funding advisor walks you through the options you qualify for and how each one works.

  3. 3

    Get funded

    Choose the offer that fits and receive funds, often within days of approval.

Check Your Funding Options

Why Colaeb

We connect businesses with the right partners. Capital is no exception.

Colaeb is a human-led matchmaking network. Our funding page puts you in front of multiple lenders with a single application, so you compare real offers instead of guessing.

Fast and simple

A short application, no stack of paperwork to start.

Real comparison

See offers side by side and choose what fits.

Human guidance

A funding advisor explains terms before you commit.

Flexible solutions

Short-term cash flow to long-term growth capital.

What owners fund with it

Common questions

Will checking my options affect my credit?

No. Reviewing your funding options does not affect your credit score.

How fast can I get funded?

Term loans and lines of credit typically fund in one to three days, equipment and receivables financing in two to five. SBA loans take 30 to 45 days and commercial real estate 25 to 40.

Is Colaeb the lender?

No. Colaeb connects you with our lending partner, ROK Financial, and its network of lenders, who make all credit decisions.

What will I need to apply?

Basic business details to start. Your advisor may later ask for recent bank statements and, for products like SBA loans, tax returns and financial statements.

How much can my business borrow?

Typically $10,000 to $5 million depending on the product, and $250,000 to $10 million for commercial real estate. Your amount depends on revenue, time in business and credit profile.

What credit score do I need?

Options exist for most credit profiles, with scores from 500 considered across our partner's products. Stronger credit generally unlocks longer, lower-cost terms.

Which funding option is right for my business?

It depends on what the money is for. SBA loans suit long-term investments, term loans suit defined projects, lines of credit cover recurring cash-flow gaps, and equipment financing covers vehicles and machinery. A funding advisor will walk you through the options you qualify for.

Does Colaeb charge me to apply?

There is no cost to check your options and no obligation to accept an offer. Colaeb may receive compensation from our lending partner when you apply through our links.

See what your business qualifies for.

Pre-qualify in minutes with no impact to your credit.

See Your Funding Options