Capital that grows with your business
FairGrowth connects you with structured term financing designed for sustainable growth. Longer terms, lower rates, and full transparency from day one.
Apply now — it takes 2 minutesWhy businesses choose FairGrowth
Built for founders who think long-term. Every feature is designed to give you predictable, affordable capital.
Terms from 6–60 months
Choose a repayment timeline that matches your growth plan, from six months to five years.
Fixed predictable payments
Know exactly what you owe every month. No variable rates, no surprises.
Lower rates than short-term products
Longer terms mean lower effective rates. Keep more of your revenue working for you.
No prepayment penalties
Pay off your balance early with zero additional fees. You are always in control.
Full cost transparency upfront
See every fee, every rate, and the total cost of capital before you commit to anything.
Build business credit
On-time payments are reported to business credit bureaus, strengthening your profile for the future.
What you can fund with FairGrowth
From equipment to acquisitions, FairGrowth gives you the capital to make strategic investments in your business.
Equipment purchases
Invest in the machinery, vehicles, or technology your business needs to operate at the next level.
Inventory expansion
Stock up ahead of peak seasons or scale your product line without straining cash flow.
Hiring
Bring on the talent you need to grow. Fund salaries, onboarding, and training with structured capital.
Real estate & buildout
Open a new location, renovate your space, or secure commercial real estate with longer-term financing.
Acquisition financing
Acquire a complementary business, buy out a partner, or fund a strategic merger.
How it works
Four simple steps from application to funding. No hard credit pull to get started.
Tell us about your business
Fill out one short application. It takes about two minutes and will not affect your credit score. Share basic details about your revenue, time in business, and how you plan to use the funds.
Get matched with lending partners
Your application is reviewed by our network of vetted lending partners. They compete to offer you the best terms based on your business profile.
Compare offers side by side
See every offer with full cost transparency: APR, total payback, monthly payment, and all fees disclosed upfront. Our referral compensation is visible on every offer.
Choose your offer and get funded
Pick the term financing that fits your growth plan. Finalize with the lender directly and receive your funds, often within days.
How FairGrowth compares
See how structured term financing through FairGrowth stacks up against traditional options.
| FairGrowth | Bank Loan | MCA | |
|---|---|---|---|
| Term length | 6–60 months | 12–120 months | 3–18 months |
| Approval speed | Days | Weeks to months | Hours to days |
| Ease of qualification | Accessible | Difficult | Easy |
| Cost of capital | Moderate | Low | High |
| Payment structure | Fixed monthly | Fixed monthly | Daily / weekly |
| Prepayment penalties | None | Sometimes | Usually none* |
| Cost transparency | Full upfront | Varies | Often unclear |
* MCA products typically require full payback of the purchased amount regardless of early repayment.
Who qualifies
FairGrowth is designed to be accessible. If your business is generating revenue, you may qualify.
6+ months in business
A short operating history is all you need to get started.
$10K+ monthly revenue
We focus on your business cash flow, not arbitrary thresholds.
Any credit score
No minimum credit score required. Your business health tells the real story.
Ready to grow?
No credit score minimums. No hidden fees. Structured term financing with full transparency from vetted lending partners.
Apply now — it takes 2 minutes