Purchase order financing vs term loans: you better shop around

Get your personalized rate Pictured: Jimmy Standley of Solé Bicycles

When you take the time to shop around, you may find that term loans can be more affordable in the long run than purchase order financing. Term loans offer the convenience of monthly payments and no prepayment penalties — if you’re able to pay your loan off sooner, you can at no additional cost.

Sometimes cash flow problems can occur during the life of most businesses. Purchase order funding, or purchase order financing by definition, is a funding option for businesses that need cash right away to complete customer orders.

At Funding Circle, our goal is to make sure the process of getting the right financing option for your business is fast, seamless and uncomplicated. We’re committed to offering you:

  • Access to funding in as few as 10 days
  • Annualized interest rate and fixed monthly payments
  • Transparent rates and a simple, one-time origination fee
  • Outstanding service with a dedicated loan specialist
Funding Circle can help you with business financing for your business Click on Apply Now to check your eligibility

What we offer

Rates starting at 4.99%1
Loans from $25K-$500K over 6 months-5 years
A decision in as little as 24 hours after document submission

Success Story

"I can laugh about it now, but I kid you not: our funding literally came within a week of us absolutely needing to pay vendors. Funding Circle’s timing was immaculate. Now, we hold the record for the highest-rated lipstick on Sephora.com and are launching 9 more products next month!"

- Gabriela Hernandex of Besame Cosmetics
Loan Details
$4800/mo. for 24 months

A cut above the rest

If you need business funding, this is your place. They were a lifesaver!


No hassle, speedy, great rates and excellent customer service. Definitely recommend!
- Debbie


Thanks to the Funding Circle team for the support. The loan application process was simple to follow and processed quickly. They stepped in to support my business when the banks were useless.
- David

based on reviews

Our quick and easy application

Small Business Loan Eligibility

Apply online

In under 10 minutes

Submit your initial application in just a few clicks.

Small Business Loan Support

Hear from us

Within 1 hour

Your personal account manager is available to help you collect your documentation and answer any questions.

Small Business Loan Decision

Get a decision

in as little as 24 hours

Your underwriter will review your completed application and may call to get to know your business more.

Small Business Loan Funded

You get funded

In as few as 5 days

Once you’ve accepted your offer, you’ll receive the funds within days.

Why Funding Circle

Our U.S. co-founders started Funding Circle because they were small business owners themselves and had experienced first-hand how hard it is to access affordable and transparent financing. When they couldn’t get a loan to grow their small business — despite the company’s great success — they knew something was wrong. The traditional bank loan system was broken. So, they set out to build a better solution for American small business owners.

Visit our Resource Center

Tips and tools for growing your business.

Explore now

Have any questions?

Account Manager

Give us a call!

(855) 385-5356

Our dedicated loan specialists are here to help you.

Download PDF

Download your guide to business loans. See how we compare to other lenders.

Frequently Asked Questions

Why should I get financing from Funding Circle as opposed to a bank or other lender?
How long does it take to apply for working capital through Funding Circle?
What documentation is required with my Funding Circle application?
What is purchase order financing?
How does PO financing differ from bank financing?

Have any questions?

Account Manager

Give us a call!

(855) 385-5356

Our dedicated loan specialists are here to help you.

Download PDF

Download your guide to business loans. See how we compare to other lenders.

1 Rates may vary according to term and overall creditworthiness. To see what rate your business may qualify for, apply today at no obligation.