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Which business funding option costs the least for what you need?

The lowest-cost funding is the option whose total cost is smallest relative to what the money earns and how soon you need it. Roifunder helps businesses get funded across six common options. Each page below shows how that option's cost is built, how payments work and when it is the wrong fit.

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Working CapitalShort-term cash for payroll, stock and jobs, with the math to check whether it pays back.Read moreEquipment FinancingFinance machines, vehicles and tools, after checking that the monthly gain beats the payment.Read moreBusiness Line of CreditDraw as needed and pay on what you use. See what a carried balance and draw fees really cost.Read moreTerm LoansA lump sum on a fixed schedule. See how rate, term and fees set your payment and total cost.Read moreRevenue-Based FinancingA lump sum repaid from sales. Work out the real dollar cost and monthly equivalent first.Read moreSBA LoansOften lower cost, usually slower. Weigh the savings against what waiting costs your project.Read more

Compare options in dollars, not labels

Every option can be reduced to the same few numbers: cash you actually receive, total you repay, total cost, monthly equivalent payment and cost per dollar per month. Once offers are on those lines, a factor rate, an interest rate and a draw fee become directly comparable, and the lower payment stops being mistaken for the lower cost.

Use the true-cost worksheet for one offer and the two-offer comparison when you have more than one. Faster money usually costs more, and a longer term usually lowers the payment while raising the total.

Match the option to the use of funds

Short needs fit short money, and long-lived assets fit longer terms. A payroll gap before a job pays is a different problem from a machine that will earn for years. Matching the term to how long the benefit lasts is the simplest way to avoid paying for money after it has stopped earning.

How each option's cost and payments are built. No rates shown: pricing varies by funder and business.
OptionPayment styleMain cost driversOften fits
Working capitalDaily, weekly or monthlyTotal repaid vs. cash received, term lengthShort, specific gaps
Equipment financingUsually monthlyRate, term, down paymentMachines, vehicles, tools
Line of creditWeekly or monthly on balanceInterest while carried, draw feesRepeated short needs
Term loanUsually monthlyRate, term, closing feesOne-time investments
Revenue-based financingDaily or weekly remittanceFactor rate, fees, repayment speedSteady card or deposit sales
SBA-backed loanMonthlyRate, fees, time to fundLarger projects with time to wait

More funding types explained

Calculators

Compare ROI Funder with other lenders

See also funding by state and city.

Frequently asked questions

Which type of business funding is usually the least expensive?

Longer-term, well-documented options such as SBA-backed or conventional term loans often carry a lower total cost, while faster, short-term options usually cost more per month. But the least expensive offer on paper is not always the best value if waiting costs you profit. Compare total cost against what the money earns.

Why does faster funding usually cost more?

Faster decisions typically rely on less documentation and shorter terms, which means more risk for the funder and a cost concentrated into fewer months. Whether that is worth it depends on what the funds earn and what waiting would cost you. The cost-versus-time math is on our SBA comparison page.

How do I compare a daily-payment offer with a monthly loan?

Convert both to the same terms. Multiply the daily payment by about 21 business days for a monthly equivalent, then compare cash received, total repaid, total cost and cost per dollar per month. Also check which payment your deposits can carry in a slow month.

Can Roifunder help me choose?

Yes. Apply once, and we show options that fit your numbers. Requirements vary by product and funder; many look at time in business, monthly revenue and credit. We encourage you to run the true-cost and payback math on every offer before accepting.

See what fits your numbers

One application to compare your options.

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Updated September 14, 2026 · Roifunder Funding Team