Most lenders require a copy of your business tax return, and business bank statements. For smaller working capital loans, this may be all that’s required. Larger facilities such as SBA or commercial real estate loans usually need more in-depth documentation like financial statements, debt schedules, and ownership information and many more. Having a complete and organized package is one of the best ways to speed up approval.

Approval timelines depend on the type of loan. Working capital loans, lines of credit, and merchant cash advances can fund in as little as 24–72 hours once all documents are submitted. Equipment financing generally takes about a week, while SBA and commercial real estate loans take longer—typically three to six weeks—because of the additional underwriting and documentation involved.

You complete one short application that takes about 3–5 minutes. It collects basic information about your business, such as revenue, time in business, industry, and funding needs. From there, we review your profile and connect you with lenders—both banks and non-banks—that fit your situation. One application gives you access to multiple options.

We offer a wide range of products through our lender network: business term loans, SBA 7(a) and 504 loans, business lines of credit, equipment financing, asset-based lending, commercial real estate loans, invoice factoring, and merchant cash advances. Each product serves different needs. For example, SBA loans work well for acquisitions and long-term growth, while lines of credit are useful for seasonal businesses or cash flow gaps.

Banks typically want to see a credit score of 680 or higher. Non-bank lenders are often more flexible and may approve loans with scores closer to 600, especially if revenue or collateral is strong. Credit score is only one piece of the puzzle. Time in business, cash flow stability, and debt levels all influence a lender’s decision.

Bad credit does not automatically disqualify you but it put you on an uphill process. Many non-bank products focus on cash flow, collateral, or revenue rather than credit. Asset-based loans, equipment financing, and factoring are common options in this situation. It’s also possible to start with a short-term or alternative loan now and later refinance into a lower-cost bank or SBA loan once your credit improves.

Pay bills and loans on time, reduce outstanding debt, and avoid overdrafts or NSF charges in your business account. Consistent bank activity builds confidence with lenders. Opening trade accounts that report to business credit bureaus can also help. Over time, strong business credit makes you eligible for better rates and larger facilities.

Some loans require collateral, while others don’t. SBA and commercial real estate loans generally require it, while lines of credit and merchant cash advances are often unsecured. When collateral is used—such as real estate, equipment, or receivables—it usually allows for better terms but also carries more risk if the loan is not repaid.

Yes, some industries are restricted by most lenders. These typically include cannabis, gambling, adult entertainment, and speculative real estate. Most traditional industries like retail, restaurants, healthcare, manufacturing, and logistics are eligible and widely financed.

Funding is primarily for US-based businesses. Foreign-owned companies with a registered US subsidiary, tax ID, and US bank account may qualify. Purely foreign businesses without a US presence are not eligible.

Start-up is only available to healthcare professional; Medical, Dentist, Veterinary. Requires 2+ years as in full time associate.

Yes, some lenders do finance non-profits, though options are narrower than for traditional businesses. SBA 504, equipment financing, or specific community programs may apply. Eligibility depends on the organization’s financial strength and the purpose of the funding.

Repayment depends on the product. Term loans and SBA loans have fixed monthly or weekly payments. Lines of credit require interest only on what you draw. Equipment loans are structured over the life of the asset. Merchant cash advances and revenue-based loans are repaid through a percentage of daily or weekly sales, which means payments fluctuate with revenue.

Business term loans usually range from one to ten years. SBA loans can extend up to 25 years, especially for real estate projects. Equipment financing generally runs two to seven years. Lines of credit are revolving and typically reviewed or renewed annually.

Many loans, including SBA, equipment, and most term loans, allow early payoff without penalty. This can save money on interest. Some products—particularly merchant cash advances or fixed-fee structures—do not reduce costs if repaid early, so it’s important to review terms carefully.

Collateral varies by loan type. Commercial real estate loans are secured by the property, SBA loans are secured by business assets and sometimes personal real estate, and asset-based loans rely on receivables, inventory, or equipment. Merchant cash advances and many unsecured term loans typically don’t require collateral.

Yes, refinancing is common and often done to lower payments, extend terms, or move from a higher-cost loan to a lower-cost structure. Many businesses refinance merchant cash advances into SBA or bank loans once they qualify, reducing cost and improving cash flow.

You can, but it’s better to apply strategically. Too many applications at once can hurt approval chances. We coordinate submissions so lenders see a clean, complete file without unnecessary overlaps.

Fixed rates remain the same throughout the loan, offering predictability. Variable rates change based on an index such as Prime or SOFR, which means they may rise or fall over time. Fixed rates are preferred for stable planning, while variable rates can work for businesses comfortable with potential fluctuations.

Our service is free to applicants. You won’t pay anything to apply or get matched. If a lender charges origination, packaging, or closing fees, those will be disclosed clearly in the offer before you sign.

Rates are based on factors such as credit score, revenue, industry, time in business, collateral, and the type of loan requested. Banks typically offer the lowest rates but are stricter. Non-bank lenders are more flexible and faster, but their rates are usually higher.

A denial doesn’t end your chances. We look at the reason, whether it’s cash flow, credit, or missing documents, and then match you with alternatives. Sometimes restructuring the request or waiting 30–60 days with clean bank activity is enough to get approval on a second attempt.

The most common reasons are inconsistent revenue, excessive debt, recent overdrafts, or incomplete documentation. These issues are often fixable. For example, consolidating debt, keeping clean bank activity, or strengthening collateral can improve future approvals.

Banks have tightened lending standards, especially for industries like real estate and construction. Requirements around credit, cash flow, and collateral have become stricter. At the same time, non-bank and fintech lenders have expanded. They provide faster approvals and more flexible underwriting, which gives businesses more options but also wider variation in cost and structure.

We provide financing guidance and help compare loan options, but we are not a replacement for your CPA, attorney, or investment advisor. For complex tax or legal matters, we recommend consulting your professional advisors while we handle the funding side.

You can reach us through phone, email, or advisor chat. A real advisor—Jason, David, Mike, or Joseph—will respond directly to your questions.

We work with major banks like Bank of America, Chase, Wells Fargo, Citi, and credit unions, SBA-approved lenders, equipment financiers, asset-based lenders, and established non-bank providers. We do not partner with payday or unlicensed lenders.

You can find testimonials and case studies on our website. Additional references can be provided upon request.

Yes, our advisors help you prepare SBA applications, guide you through required forms, and coordinate with lenders. This support reduces errors and saves weeks compared to going through the process alone.

We provide guides, checklists, and one-on-one calls to help you prepare for funding. These resources not only improve approval odds but also build long-term credit health.

Partners such as brokers, CPAs, and consultants can refer businesses to us and earn referral fees. We provide program details and support to ensure smooth cooperation.

Not usually. Most lenders fund into your existing business account. Occasionally, a lender may request a linked account for repayment, but this is uncommon.

Yes. Most lenders review both business and owner credit during underwriting. Many perform a soft pull for initial review, with a hard pull only if you move forward.

In some cases, yes. Many lenders require a repayment plan in place with the IRS or state before approving. The impact depends on the size of the lien and the product type. Some lenders are more flexible than others.

The maximum depends on the product and your profile. Working capital loans generally cap around $500K–$2M, while SBA and commercial real estate loans can go up to $5M or more. Revenue, credit, collateral, and time in business all play a role in determining borrowing limits.