The capital to keep building.
Tell us about your business once and compare real offers from our network of vetted capital partners. No upfront fees, no impact to your credit to check.
About 2 minutes. Won't affect your credit score.
Financing arranged by our vetted partner network, powered by Big Think Capital.
From application to funded in three steps
One short form replaces a stack of applications. Here is the whole process.
- 01
Tell us about your business
A few questions about your revenue, time in business, and what you need. No documents to start.
2 minutes - 02
Compare real offers
See actual rates and terms from our network of vetted capital partners, side by side.
No credit impact - 03
Get funded
Pick the offer that fits and get funds in your account in as little as 48 hours.
From 48 hours
The right product for the moment
We match you to the structure that fits your revenue, timeline, and goals, not the other way around.
Equipment Financing
Acquire the assets that drive revenue — without a cash crunch.
- Amount
- $10K–$2M
- Rates
- from 7%
- Funding
- 1–3 business days
Working Capital Loans
Cover the gap between spending and getting paid.
- Amount
- $5K–$1M
- Rates
- from 12%
- Funding
- As fast as 24 hours
Business Line of Credit
Draw what you need, pay only for what you use.
- Amount
- $10K–$500K
- Rates
- from 10%
- Funding
- 1–2 business days
Business Term Loans
A lump sum with fixed payments for a clear investment.
- Amount
- $25K–$5M
- Rates
- from 9%
- Funding
- 2–5 business days
SBA Loans
Government-backed financing at the lowest cost of capital.
- Amount
- $50K–$5M
- Rates
- from 7%
- Funding
- 2–6 weeks
Merchant Cash Advance
Funding repaid as a share of your daily card sales.
- Amount
- $5K–$500K
- Structure
- Flexible
- Funding
- As fast as 24 hours
Invoice Factoring
Turn unpaid invoices into cash you can use today.
- Amount
- $10K–$5M
- Structure
- Flexible
- Funding
- 1–2 business days
Not sure which fits?
Answer a few questions and we'll match you to the options your business qualifies for.
Compare financing at a glance
Typical ranges across our lending network. Your actual offer depends on your business, industry, and credit profile.
| Financing type | Best for | Amount | Est. APR | Funding speed | |
|---|---|---|---|---|---|
| Equipment Financing | Buying or replacing revenue-producing equipment in any trade. | $10K – $2M | 7% – 30% | 1–3 business days | Details |
| Working Capital Loans | Bridging short-term, one-time cash-flow gaps. | $5K – $1M | 12% – 45% | As fast as 24 hours | Details |
| Business Line of Credit | Ongoing, variable expenses and a standing safety net. | $10K – $500K | 10% – 36% | 1–2 business days | Details |
| Business Term Loans | Larger, planned, one-time investments and growth. | $25K – $5M | 9% – 30% | 2–5 business days | Details |
| SBA Loans | Established businesses seeking the lowest cost of capital. | $50K – $5M | 7% – 14% | 2–6 weeks | Details |
| Merchant Cash Advance | Card-heavy businesses needing fast cash with flexible repayment. | $5K – $500K | Factor-based | As fast as 24 hours | Details |
| Invoice Factoring | B2B businesses with unpaid invoices and long customer payment terms. | $10K – $5M | Factor-based | 1–2 business days | Details |
Ranges are representative and not an offer to lend. Representative APR ranges from 7% to 45% depending on product, industry, business profile, and credit.
Built for how your industry works
Every trade earns and spends differently. We tailor the product mix to yours.
Equipment, bonding & payroll
Build-outs & daily cash flow
Inventory & seasonality
Practices & medical equipment
Fleet & fuel financing
Payroll & growth capital
- $500M+
- funded to business owners
- 12+
- industries served
- 48 hrs
- average time to funding
- 4.9/5
- Trustpilot · 3,200+ reviews
After a line of dead-end applications with other lenders, sky-high offers and pressure to sign right now, Big Think was a refreshing change. They listened and came back with a customized solution, for more capital too. A massive load of stress off my shoulders.
Owners come back, and they tell people why
After being turned down everywhere else, the team got us funded in no time. Pleasant, knowledgeable about the different options, and genuinely easy to work with. Highly recommended.
They got our organization an offer no one else was able to produce. The brokers were highly effective and not at all pushy, while staying extremely communicative throughout. Could not recommend more highly.
Very seamless process in reality. The team stepped in and helped at every turn. We will use them again to help finance our manufacturing growth. Great experience.
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.
Your questions, answered
Still deciding? Talk to a financing specialist, no obligation.
Call (307) 317-0801What 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.
Your next move is a short form away.
Compare real offers from our lending network in about two minutes. No upfront fees, and checking won't affect your credit.
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.