Term loans
A term loan gives you a fixed amount of capital upfront, which you repay over a predetermined period with fixed monthly payments. Because the repayment schedule is predictable, term loans are well-suited for large, one-time investments where you know exactly how much you need. Common uses include purchasing equipment, funding a location expansion, or consolidating existing debt. Term loans from Genius Capital Group typically range from 2,000,000, with repayment periods that vary based on loan size and your business profile.Lines of credit
A line of credit is a revolving credit facility that you draw from as needed, up to an approved limit. Unlike a term loan, you only pay interest on the amount you’ve actually drawn — not on the full credit limit. This structure makes lines of credit ideal for managing cash flow gaps, covering recurring operating expenses, or handling short-term opportunities without taking on a lump-sum obligation. Once you repay what you’ve drawn, those funds become available to draw again.Revenue-based financing
Revenue-based financing provides you with capital in exchange for a percentage of your future revenue, collected automatically until a fixed repayment cap is reached. There are no fixed monthly payments — your repayment scales with your revenue, so slower months mean lower payments. This product works best for businesses with strong, recurring revenue streams. It’s commonly used by subscription businesses, SaaS companies, and e-commerce operators who prefer repayment flexibility over a rigid schedule.Comparing capital products
| Term loan | Line of credit | Revenue-based financing | |
|---|---|---|---|
| Repayment structure | Fixed monthly payments over a set term | Interest only on drawn amount; revolving | Percentage of monthly revenue until cap is reached |
| Best for | Large one-time investments | Cash flow management, recurring expenses | Businesses with strong recurring revenue |
| Typical amount | 2,000,000 | Varies by credit profile | Varies by revenue and repayment cap |
| Application time | 2–5 business days | 1–3 business days | 1–3 business days |
All capital products are subject to credit review and eligibility criteria. Approval, loan amounts, and terms are determined based on your business’s financial history, creditworthiness, and other factors evaluated during underwriting.