Compare business financing from one short form
Tera Loans matches small businesses in dozens of industries with the right financing — equipment, working capital, lines of credit, term loans, and SBA. One application, multiple options, answers in about 2 minutes.
- Compare multiple financing types in one place
- Checking options won't affect your credit
- No upfront fees, ever
See what your business qualifies for
Answer a few questions and get matched to your best-fit option. Zero upfront fees. Checking won't impact your credit.
- A+ BBBAccredited business
- Zero upfront fees
- Soft credit check
- $500M+
- Funded to small businesses
- 12+
- Industries served
- 4.9/5
- Trustpilot rating
Financing by industry
We match businesses across industries to their best-fit financing. Find yours.
Construction & Contractors
Equipment, mobilization capital, and lines of credit for general contractors, subs, and specialty trades who get paid 30–90 days after the work is done.
Restaurants & Food Service
Build-out loans, kitchen equipment financing, and fast working capital for restaurants, cafes, bars, and food trucks with thin margins and daily card sales.
Retail & E-commerce
Inventory financing, lines of credit, and seasonal working capital for brick-and-mortar shops and online sellers stocking up ahead of peak demand.
Healthcare & Medical Practices
Practice acquisition, medical equipment financing, and capital for dental, veterinary, and physician practices waiting on insurance reimbursements.
Trucking & Transportation
Truck and trailer financing plus invoice factoring for owner-operators and fleets that have to cover fuel and payroll long before brokers pay.
Professional & B2B Services
Working capital, lines of credit, and expansion funding for agencies, law and accounting firms, IT shops, and consultancies billing on net terms.
- Funding amount
- $5K – $5M
- Industries served
- Dozens
- Funding speed
- As fast as 24 hrs
- Time in business
- 6+ months
How it works
From application to funding in three simple steps.
- STEP 1
Tell us about your business
Answer a few quick questions about your roofing company and how much you need. It takes about two minutes and uses a soft credit check.
- STEP 2
Get matched to your best-fit option
We compare options across our lending network and surface the products your business actually qualifies for — no guesswork.
- STEP 3
Get funded
Review your offer, e-sign, and receive funds — in as fast as 24 hours for working capital.
Financing options for roofing businesses
Compare the business financing products your roofing company can get matched with.
Equipment Financing
Acquire the assets that drive revenue — without a cash crunch.
- Amount
- $10,000 – $2,000,000
- Funding speed
- 1–3 business days
Working Capital
Cover the gap between spending and getting paid.
- Amount
- $5,000 – $1,000,000
- Funding speed
- As fast as 24 hours
Business Line of Credit
Draw what you need, pay only for what you use.
- Amount
- $10,000 – $500,000
- Funding speed
- 1–2 business days
Term Loans
A lump sum with fixed payments for a clear investment.
- Amount
- $25,000 – $5,000,000
- Funding speed
- 2–5 business days
SBA Loans
Government-backed financing at the lowest cost of capital.
- Amount
- $50,000 – $5,000,000
- Funding speed
- 2–6 weeks
Estimate your payment
Get a quick, representative idea of monthly cost before you apply.
Estimate your monthly payment
A representative estimate at 8%–30% APR. Actual rates and terms vary by business and product.
See what your business qualifies for
Answer a few questions and get matched to your best-fit option. Zero upfront fees. Checking won't impact your credit.
- Your information is encrypted and never sold.
- No obligation — getting matched is free.
Matched through Big Think Capital's lending network.
Frequently asked questions
What is Tera Loans, exactly?
Tera Loans is a small-business financing marketplace. You fill out one short application and we match you with financing options — equipment loans, working capital, lines of credit, term loans, and SBA — from our lending network, so you can compare instead of applying to lenders one at a time.
Which industries do you work with?
All of them. Tera Loans funds construction, restaurants and food service, retail and e-commerce, healthcare practices, trucking and transportation, professional services, manufacturing, and many more. The product mix is tailored to how your industry actually earns and spends.
Will comparing my options affect my credit score?
No. Seeing what your business qualifies for uses a soft inquiry that does not impact your personal or business credit score. A hard pull only happens later if you choose to move forward with a specific offer.
How fast can my business get funded?
It depends on the product. Working capital and merchant cash advances can fund in as fast as 24 hours; equipment and term loans typically fund in 1–5 business days; SBA loans take a few weeks in exchange for the lowest rates.
Is this a consumer or personal loan?
No. Tera Loans offers business financing only — we do not provide consumer, personal, payday, auto, or mortgage loans. Financing is for established businesses and is repaid by the business.
Disclaimer
Tera Loans is a small-business financing marketplace powered by Big Think Capital. We are not a direct lender and do not guarantee funding, approval, rates, or terms. All examples, ranges, and calculator results are representative only and are not an offer or commitment to lend. Actual rates, fees, and terms are set by the funding lender and depend on your business, industry, and credit profile. Business financing only — no consumer, personal, payday, auto, or mortgage loans.
Representative APR ranges from 7% to 45% depending on product, industry, business profile, and credit.