Capital Structured Around the Business Need
Explore eight financing approaches—and merchant processing to accept cards at affordable rates. Compare purpose, cost, and obligations before choosing.
Start with how the capital works
These guides explain general structures, not guaranteed offers. Availability and final terms are subject to underwriting and funder approval. For certain MCA and revenue-based options, select programs use an owner performance guarantee rather than a full personal guarantee of repayment, subject to qualification and underwriting.
Franchise Financing
We specialize in franchise financing for existing franchisees and new units—working capital, expansion, remodels, equipment, and related structures reviewed against unit economics.
Merchant Cash Advance
Factor-based pricing and scheduled or receipts-linked remittances. Select programs may use a performance guarantee rather than a full personal guarantee of repayment, subject to qualification.
Revenue-Based Financing
A structure based on future revenue; contract terms determine actual payment flexibility. Select programs may use a performance guarantee rather than a full personal guarantee of repayment, subject to qualification.
Working Capital
A funding purpose delivered through several possible structures, not one standard product.
Business Line of Credit
Draw, repay, and potentially draw again, subject to the agreement and available limit.
Business Term Loans
Repay principal and interest over a defined schedule; fixed and variable structures exist.
Equipment Financing
Loans and leases differ in ownership, end-of-term options, and total cost.
Invoice & Receivables Financing
Advances or factoring tied to eligible receivables, customer payment, and recourse terms.
SBA Loans
Participating lenders issue loans under programs with specific eligibility and documentation.
Accept cards with low rates and clear pricing
Beyond funding, Synergy helps businesses explore affordable merchant processing—POS and terminals, online payments, mobile, invoicing, and transparent pricing options through our processing partners.
Request a free statement review to understand your current fees. Rates depend on business type, volume, and card mix and are subject to partner approval. Savings are not guaranteed.
Explore Merchant Processing →Four dimensions of every offer
Use the same comparison across product labels. Two agreements with similar marketing names can create materially different obligations.
Open the Comparison Checklist →Net proceeds
What funds are actually available after deductions?
Total cost
What is the full dollar obligation, including fees?
Cash flow
When and how often must payments be made?
Risk & exit
What collateral, guaranties, default, and early-payment terms apply?
Not Sure Which Structure Fits?
Tell us what you are trying to accomplish. Many applications receive a typical initial response within one hour; timing is not guaranteed.
Applying or calling does not guarantee approval or funding. By submitting an application or contacting us, you consent to be contacted by Synergy Capital and its funding partners by phone, text, email, or other means at the numbers and addresses you provide, including by autodialed or prerecorded messages where permitted by law. Message and data rates may apply; consent is not a condition of purchase. Applying involves a soft credit inquiry, which does not affect your credit score. A funding partner may perform additional verification, which can include a hard inquiry, before final approval. See Terms & Disclosures and Privacy Policy.