Business Lines of Credit
Revolving funding you can draw on as you need it, so you only pay for what you use and the time it is outstanding. A flexible fit for cash flow, short-term expenses, or getting ready for a future opportunity.
Official Moda VendorBusiness funding advisory
Find the right funding for your business, with an advisor in your corner.
Small Biz Heroes is an independent funding advisory. We help small business owners understand their options, secure the right capital, and build a plan toward stronger, more sustainable growth. One honest conversation, a clear picture of what you may qualify for, and no pressure to borrow.
We are advisors, not a direct lender. We reply the same business day, 9am to 6pm Eastern.
Small Biz Heroes is an independent business and a paid advertising partner in the Moda vendor program. Moda is not a party to any financing, does not lend, and does not set rates, terms, or approval. All funding is subject to a lender's review and underwriting.
$2,000 to $5MFunding range across programs
Up to 10+ yearsTerms on select products
As fast as 24 hoursDecisions on select products
No fee to applyand no obligation to accept
For Moda members: Moda members get priority review and direct access to a dedicated Small Biz Heroes funding advisor who evaluates your situation, explains your options, and helps you build the right financing strategy. This is not a guaranteed approval, a guaranteed rate, or an automatic discount. Your membership is recognized automatically when you come through this page, so there is no code to remember.
5.0 on Google
across 26 reviews
4.8 on Trustpilot
across 38 reviews
20+ programs
financing options in one place
About 6 years
helping owners fund and grow
The funding options we help you explore.
There is no single right answer for every business. One application can open more than one of these options, and we help you understand which fits where you are today, what it would really cost, and how it moves your business forward. Availability, amounts, rates, and terms are set by the lender after a full review.
Working Capital and Cash-Flow Financing
Flexible capital based largely on your revenue and bank activity, built for speed or an immediate cash-flow gap. The payment structure and cost need to be looked at carefully, and we walk you through both before you decide.
Business Term Loans and SBA Financing
Longer-term, fixed-payment financing for established businesses with stronger credit and documentation, including SBA loans arranged through lending partners. Used for expansion, acquisitions, partner buyouts, refinancing, and commercial real estate.
Equipment Financing and Sale-Leaseback
Funding to buy equipment, vehicles, machinery, or other assets while preserving cash by spreading the cost over time. A sale-leaseback can also unlock working capital from equipment you already own.
Accounts Receivable Financing and Factoring
Access a portion of your outstanding invoices now instead of waiting 30 to 90 days to be paid. Useful when you have strong customers but uneven timing between your revenue and your expenses.
Start-Up Funding, Business Credit, and Fundability Planning
A strategic path for newer businesses not yet eligible for traditional financing, including personal financing options, introductory 0 percent credit options with their terms explained, business credit building, and a step-by-step plan to become more fundable.
Who you work with
Real people who do this every day.
Small Biz Heroes is a team of funding advisors led by Zach Siegel, working with business owners across the country. When you reach out through Moda, you get a real advisor who learns your business, not a call center reading a script.
Zach Siegel
Founder and lead advisor, Small Biz Heroes
Zach and the Small Biz Heroes team have spent about six years helping small business owners make financing decisions they still feel good about after the money is in the account. The work is part funding, part education, and always honest about the trade-offs.
How working with an advisor actually goes.
The real advantage here is a human who knows this space, not an automated form. Here is the honest version of what happens after you reach out.
- 01
You share the basics
Send the short intake form with your name, phone, email, and business name. It takes a minute, there is no fee to apply, and nothing is an application yet.
- 02
A dedicated advisor reaches out
A Small Biz Heroes advisor reviews your situation and gets back to you the same business day, 9am to 6pm Eastern. This is a conversation, not a sales pitch.
- 03
We talk through real options
We cover what you need the capital for, what your business can comfortably support, and the options that realistically fit, including the cost, payment structure, and trade-offs of each.
- 04
You apply only for what fits
If it makes sense to move forward, you complete an application and provide documentation for the specific options worth pursuing. Approval, amount, rate, and terms are decided by the lender.
- 05
You get an honest recommendation
We present a viable funding option, or an honest plan to become more fundable if funding is not the right move for you yet. You are never under any obligation to accept.
- 06
You decide
The decision is always yours. Our goal is to leave you in a stronger position than when you came to us, whether you fund today or build toward it.
Explore your funding options.
Tell us a little about your business and a dedicated advisor reaches out the same business day. There is no fee to apply and no obligation to accept anything. This starts a conversation, not an application.
Small Biz Heroes and Moda
Honest guidance, more options, for Moda members.
Small Biz Heroes and Moda came together around a shared goal: giving Moda members access to honest guidance and a wider range of business financing options. The partnership lets members work directly with an experienced Small Biz Heroes advisor who can help them understand what they may qualify for and choose the right next step.
Small Biz Heroes is a paid advertising partner in the Moda vendor program, which is how this page exists. That means your member perk, priority review and a dedicated advisor, is sorted out up front. It does not mean Moda lends, sets rates, or guarantees any funding outcome. Small Biz Heroes is an independent advisory, and every financing decision runs through the advisor and the lender, not Moda. Do your own diligence the way you would with any financial partner, and if anything about the partnership feels off, tell the Moda team on the report page.
Questions, answered straight.
The amount depends on the type of financing, your monthly revenue, time in business, credit profile, cash flow, existing debt, and the intended use of funds. Some programs are based primarily on business revenue and bank activity, while others require stronger credit, tax returns, financial statements, collateral, or a personal guarantee. We review the full picture before setting expectations, and the final decision is the lender's.
The fine print.
Small Biz Heroes LLC, doing business as Small Biz Heroes, is an independent funding advisory. It is not a bank, not a direct lender, and not a government or Small Business Administration agency. It helps business owners evaluate options, connect with financing sources, and secure capital through its programs and network. It is not a debt-settlement or credit-repair company and does not sell customer data.
This page is advertising, not an offer of credit. Nothing here is a guarantee of approval, a specific rate, a specific amount, or specific terms. All funding is subject to a lender's application, review, underwriting, and terms, and approval and pricing depend on that review. The figures shown, including funding from $2,000 to $5 million, terms up to 10 or more years, and decisions as fast as 24 hours on select products, describe what may be available across different programs and do not describe any single offer or your own eligibility.
Small Biz Heroes is a paid advertising partner in the Moda vendor program. Moda is a community and lifestyle brand, not a lender, a broker, or a financial advisor. Moda is not a party to any financing, does not lend, does not set or negotiate rates or terms, and does not guarantee any funding outcome. The Moda member perk is priority review and a dedicated advisor; it is not a guaranteed approval, a guaranteed rate, or an automatic discount.
Financing involves cost and risk. Borrowing adds a payment obligation, and the right decision depends on your business. This page is not financial, legal, tax, or investment advice. Review any offer, including the payment, payment frequency, term, fees, and total payback, before you accept it.
Get a clear picture of your funding options.
Send the short form or call and mention Moda. A dedicated advisor helps you understand what you may qualify for and whether it actually moves your business forward. No fee to apply, no obligation to accept.
Small Biz Heroes is an independent business and a paid advertising partner in the Moda vendor program. Moda is not a party to any financing, does not lend, and does not set rates, terms, or approval. All funding is subject to a lender's review and underwriting.