The owner almost never asks for a product by its real name. They ask for cash to make payroll, buy a truck, or get out of a stacked advance. If your only hammer is merchant cash advance, you will sell an advance into a situation that wanted a term loan, and you will call that “speed.” Sometimes speed is correct. Often it is just the box you have a contract for.
Loanable is a marketplace, not a lender. One application through your unique partner link can be matched across 150+ lenders and a product set that includes working capital, term loans, SBA, lines of credit, equipment financing, and related commercial products. Eligible facilities can reach $50M. You do not need a separate ISO agreement for each product desk to start the file.
Match the use of funds, not your residual habit
Use of funds is the first filter. Equipment with a serial number and a vendor invoice is an equipment conversation. A government-backed long amortization is an SBA conversation. A short seasonal gap in deposits is working capital. A revolving need that will repeat is a line of credit conversation. If you start from “what pays me fastest,” you will mis-label the file and then blame the lender for a decline that was a product error.
- MCA / working capital: speed, deposits, existing positions on the account
- Term loan: clearer payoff date, often more documents, slower than an advance
- SBA: longest path, largest structure potential, not a 24-hour product
- Equipment: asset and vendor paperwork, not a substitute for operating cash
- Line of credit: repeat use, not a one-time lump the owner will drain in a week
Set the type on the URL when you already know
If the discovery call was clearly SBA or clearly working capital, send a product-specific partner link for SBA or the working-capital equivalent so the form opens in the right lane. If you are unsure, send the base link with your partner link and stay on the call while they complete it. Guessing the type wrong is cheaper than sending them to a funder who cannot do the product at all.
Timing you can say out loud
Working capital can fund as soon as 24 hours when statements are in and a lender is ready. That is an upper-speed case, not a service-level agreement. Term, equipment, and SBA take longer because the file is doing more work. Tell the owner the range that matches the product you actually recommended. Brokers who promise “tomorrow” on an SBA package create chargebacks in reputation even when nobody claws back a commission.
Your economics do not change when the product does. Funded deals pay 50/50 of Loanable profit, Monday ACH, no minimum. That is the point of a marketplace for a broker who does not want five grids. You still have to know enough to steer. You do not have to pretend you are the bank.
Shop the full menu from one link. Become a Loanable broker partner and stop opening a new funder contract every time the product changes.