Products

Five ways to get funded.

One application routes you across the Donkey Loans lender network. You compare offers and pick the fit — never locked in, never charged a fee.

SBA Loans

$50,000 – $5,000,000

The gold-standard. Lowest rates, longest terms, most paperwork. Worth it when the fit is right.

Typical rate: Prime + 2.75% to 4.75%
Term: 10 – 25 years
Time to funding: 30 – 90 days
Best for: Established businesses with strong credit, real-estate purchases, acquisitions.

What lenders will ask for

$10,000 – $500,000

Lump sum, fixed payments. Simple math, fast decision.

Typical rate: 8% – 30% APR
Term: 6 – 60 months
Time to funding: 24 – 72 hours
Best for: Predictable one-time expense — equipment, buildout, marketing push, inventory buy.

What lenders will ask for

$5,000 – $250,000

Financing you set up before you need it. Draw and repay repeatedly, like a credit card for the business.

Typical rate: 10% – 60% APR
Term: Revolving, draw as needed
Time to funding: 24 – 72 hours
Best for: Cash-flow gaps, seasonal swings, opportunistic buys. Pay interest only on what you draw.

What lenders will ask for

$5,000 – $5,000,000

The most flexible product for owners the banks turn away. Approval leans on cash flow, not credit score.

Typical rate: Factor rate 1.10 – 1.50
Term: 3 – 24 months
Time to funding: As fast as 24 hours
Best for: Strong revenue, weaker credit. Repayment scales with daily/weekly deposits.

What lenders will ask for

Up to 100% of equipment value

Financing tied to a specific asset. Often the cheapest path to a big purchase.

Typical rate: 6% – 30% APR
Term: 24 – 84 months
Time to funding: 24 – 72 hours
Best for: Trucks, ovens, machinery, medical, tech — the equipment is the collateral.

What lenders will ask for

Not sure which product fits?

Take the 60-second Funding Readiness quiz — we'll recommend products and tell you what documents to prep.