Business financing is easier to compare when you separate speed, structure, and purpose.
This guide gives you a practical framework for comparing Titan's six core financing paths. It is not a quote or a promise of terms—actual eligibility, pricing, repayment, and timing depend on underwriting.
| Financing path | Usually considered for | Speed profile | Repayment / structure | What to compare |
|---|---|---|---|---|
| MCA Financing | Short-term working capital, urgent business needs, revenue-driven businesses | Can be among the faster paths for qualifying businesses | Purchase of future receivables; payment structure varies | Total payback, factor rate, payment frequency, expected duration |
| In-House Funding | Situations that fit Titan's direct internal criteria | May allow a more direct review when applicable | Terms depend on the specific transaction | Cost, payment schedule, conditions, business fit |
| SBA Loans | Longer-term growth, acquisitions, real estate, equipment, larger projects | Generally more documentation and a longer process | Loan structure with program and lender requirements | Rate, fees, term, collateral, guarantees, closing timeline |
| Business Line of Credit | Recurring working-capital needs and cash-flow flexibility | Varies widely by provider and business profile | Revolving access up to an approved limit | Draw fees, interest/cost, renewal terms, minimum payments, availability |
| Business Term Loan | Defined projects, equipment, build-outs, expansion | Usually more structured than fast working-capital products | Lump sum with scheduled repayment | APR or rate, fees, amortization, prepayment, collateral, payment fit |
| Asset-Based Lending | Businesses with meaningful receivables, inventory, equipment, or other eligible assets | Depends on collateral review and reporting requirements | Borrowing base tied to eligible assets | Advance rates, reserves, reporting, audits, liens, covenants |
If speed is the priority
Ask which structures can realistically close inside your deadline, then compare the full repayment burden. A quick close only helps if the payment still works after the money arrives.
If cost is the priority
Give yourself room to compare. Longer underwriting may be worthwhile when the business has time and a longer-term product fits the use of funds.
If flexibility is the priority
A revolving facility may be more useful than taking one large lump sum, especially when the need comes and goes with inventory, receivables, or seasonality.
Move on the opportunity without waiting on a bank-length timeline.
Tell us what the business needs and how soon you need it. When a faster structure fits, Titan can prioritize fast-track options while keeping the cost and repayment picture clear.
Fast funding is not guaranteed. Timing depends on eligibility, underwriting, complete documentation, provider availability, bank processing, and the financing product selected.