Compare Financing Options

Three structures, one application.

Q: Is there a fee to apply?

No. The application is free. Core Ascent earns facilitation fees from funded lender partners, not from applicants.

Q: How quickly can I get funded?

Timelines vary. Working capital can fund in 24-72 hours. Fixed-term and revolving credit typically 3-10 business days. SBA programs 30-60 days.

Different capital needs call for different structures. Compare fixed-term, revolving credit, and working capital side by side, then apply once to be matched across all three.

Defined Need

Fixed-Term Financing

Best when: you have a specific purchase with a known cost.

Amount: $10K to $2.5M
Structure: Lump sum, repaid over term
Term: 24 to 84 months
Payments: Fixed monthly
Interest: On full loan amount
Deferral: Up to 180 days available
Use Restriction: Tied to the purchase

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Ongoing Access

Revolving Credit Line

Best when: you need capital access that fluctuates over time.

Amount: $25K to $2M
Structure: Credit pool, draw and repay
Term: 12-24 month renewable
Payments: On drawn balance
Interest: Only on drawn amount
Access: Same-day or next-day draws
Use Restriction: None within business operations

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Flexible Use

Working Capital

Best when: you need capital without a specific purchase.

Amount: $25K to $5M
Structure: Lump sum, repaid over term
Term: 12 to 120 months
Payments: Fixed monthly, daily, or weekly
Interest: On full loan amount
SBA Option: Yes, for qualifying businesses
Use Restriction: None

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Common Questions

Which structure is right for my business?

Can I apply for more than one structure at the same time?

Yes. The single application can result in offers across multiple structures. Many businesses are approved for fixed-term financing for a specific equipment purchase AND a revolving credit line for ongoing operations. Our network is set up to underwrite across multiple structures in parallel.

What determines which structure I qualify for?

Credit profile, time in business, annual revenue, industry, and the specific use case drive which lenders underwrite your application and what structures they offer. A strong-credit established business often has all three options open to them. A newer business or one rebuilding credit may start with one structure and build into others over time.

Is there a fee to apply?

No. The application is free and does not result in a hard credit pull at the initial step. Core Ascent earns facilitation fees from funded lender partners, not from applicants. There is no obligation to accept any offer, and there is no cost if you do not move forward with a lender.

How quickly can I get funded?

Timelines vary by structure and lender. Working capital can fund in as little as 24 to 72 hours for straightforward files. Fixed-term financing and revolving credit typically take 3 to 10 business days depending on documentation needs. SBA-backed programs take longer, often 30 to 60 days, but offer the best terms for qualifying businesses.

Is Core Ascent a lender?

No. Core Ascent is a facilitator, not a lender. Capital is provided by vetted third-party lending partners, and credit decisions are made by those partners and subject to underwriting. See the Trust Center for full disclosures.

Next Step

One application, all three options.

Apply once and be matched across our capital partner network for whichever structure fits your business.

Start your application →