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Flexible small business financing
Funding options designed for how small businesses actually operate
Financing without the friction
When timing matters, you don’t need more forms. You need clear options, fast answers, and terms you can actually understand.
No Paperwork
Because your data is already in FreshBooks, there’s no need to hunt for bank statements or tax returns.
Fast Decisions
Get a decision in as little as 24 hours and access your funds as soon as the next business day.
Total Transparency
No hidden charges or compound interest. See one flat fee upfront before you ever commit.
Availability varies by region. Financing is subject to eligibility and approval.
Start Your Free TrialFunding for every cash flow need
A quick look at the three ways we help you stay in control.
The Safety Net
Line of Credit
Best for "Gappy" cash flow and payroll.
The Growth Engine
Term Loan
Best for big leaps and equipment.
The Flexible Partner
Merchang Cash Advance
Best for seasonal or variable sales.
Compare your financing options
Different needs call for different tools. We work with multiple partners to provide a variety of flexible financing paths. Here's a simple breakdown of the options available through FreshBooks partners and how they compare, from how you access funds to how you pay them back.
RECOMMENDED
Gappy (waiting for invoices)
Line of credit (via Fundbox)
Only pay for what you use. Draw funds to cover a bill, then repay and reuse.
Covering payroll or inventory between big invoices.
Ready for a big leap
Term loan (via Stripe Capital)
Predictable monthly costs. Get a lump sum upfront with a fixed repayment schedule.
One-time investments like new equipment or a new office.
Steady but slow
Merchant cash advance (via Youlend)
Repayments flex with your sales. If business slows down, your payments do too.
Seasonal dips or month-to-month variability.
How to apply for a small business loan online
STEP 1
Check eligibility in-app
As a FreshBooks customer, your revenue history and invoice data automatically unlock financing offers. Since this info is already in your account, you can skip submitting tax returns and bank statements. Plus, checking your eligibility won’t impact your credit score.
STEP 2
Review your offers and pick the right fit
See your transparent fees and repayment terms upfront. Compare your options and choose the one that aligns with your cash flow.
STEP 3
Apply online in minutes
A streamlined, online application designed for busy owners. No "paperwork marathons" or branch visits required.
STEP 4
Get a decision in as little as 24 hours
Once approved, funds can be in your account as soon as the next business day.
Learn more before you choose
How to Get a U.S. Small Business Loan in 7 Easy Steps
What Is Cash Flow? Almost Everything You Need to Know
What Is Working Capital? Here’s Everything You Need to Know
Frequently Asked Questions
Bridge the gap. Keep momentum.
1Stripe Capital offers financing types that include loans and merchant cash advances. All financing applications are subject to review prior to approval. In the US, Stripe Capital loans are issued by Celtic Bank, and YouLend provides Stripe Capital merchant cash advances.
*Stripe Capital loans have a minimum amount due each payment period. If the amount that you pay through sales doesn’t meet the minimum required, your bank account will be automatically debited the remaining amount at the end of the period.
Loans and lines of credit are made available by Fundbox or its bank partners, First Electronic Bank and Lead Bank.
