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Business Financing Advisory
Business Loans, Guided by Experts
One application. We help you find the best loan available to you.
Get Started
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No credit impact
Schedule Consultation
For complex financing inquiry
Eligibility
Business-purpose loans only
1+ year in business
$250,000+ annual gross revenue
Structured across
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Revenue-Based Financing (MCA)
Term Loan
Lines of Credit
SBA Loan
Real Estate
25K – 10M financing available
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Banks & Non-bank sources
Full-scope advisory
Secure. Confidential. Advisor-led.
How It Works
A clear path from application to funding
Four steps designed to help you compare real options and move forward confidently.
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STEP 01
Tell Us About Your Business
Short intake form: revenue, time in business, loan purpose, requested amount.
STEP 02
We Match You with the Right Lenders
Expert-driven matching based on real approval criteria. No data blasting. No spam.
STEP 03
Compare Real Offers
STEP 04
Get Funded
Choose the option that fits you best and move forward efficiently.
Advisor-reviewed
Reviewed before lender outreach.
No credit impact during pre-qualification
Purpose of Loan
Common ways businesses use financing
Select the purpose that best matches your current goal.
Working Capital
Cash flow & operations
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Inventory & Supplies
Stock & raw materials
Hiring & Payroll
Team expansion
Equipment Purchases
Machinery & tools
Marketing & Expansion
Growth initiatives
Real Estate & Renovations
Property & improvements
Refinancing High-Cost Debt
Lower your rates
Not sure yet? We'll help you choose the right structure during review.
Financing Solutions
Explore financing solutions
Structured across banks and non-banks
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SBA Loan
Government-backed financing offering competitive rates and extended repayment periods. Designed for established businesses with demonstrated revenue history and strong credit profiles.
Typical Terms
Up to $5M • 10-25 year terms • Competitive rates
Request Information
Term Loans
Fixed-rate financing with predictable amortization schedules. Ideal for major capital investments including real estate acquisition, business expansion, or significant equipment purchases.
Typical Terms
Up to $10M • 1-10 year terms • Fixed or variable rates
Request Information
Lines of Credit
Revolving credit facilities for ongoing working capital requirements. Draw funds as needed and pay interest only on utilized amounts, providing maximum financial flexibility.
Typical Terms
Up to $2M • Revolving • Variable rates
Request Information
Commercial Real Estate
Long-term financing for commercial property acquisition or refinancing. Structured with competitive rates and terms aligned to property cash flow and collateral value.
Typical Terms
Up to $20M • 5-30 year terms • Property-secured
Request Information
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Merchant Cash Advance (MCA)
Revenue-based financing with daily remittance tied to credit card sales or bank deposits. Fast access to capital with flexible repayment based on business performance.
Typical Terms
$10K-$1M • 6-36 months • Revenue-based
Request Information
No fees
To apply
24hrs
Response time
Multiple
100%
Transparent terms
Client Testimonials
What our clients say
Business owners describe how our advisory platform helped them navigate complex financing decisions with clarity and confidence.
The platform connected us with lenders who understood seasonal revenue models.
Situation
After two bank rejections due to revenue concentration in Q2-Q3, we engaged BestLoanUSA.
Outcome
Approved for a $420K line of credit with terms around our operational calendar.
Jennifer Adams
Owner, Adams Landscaping Services
Commercial Services
They simplified the process and helped us choose the offer that actually fit our cash flow
Situation
We had multiple offers on the table, but the daily payment structures didn’t match our revenue cycle. We needed clarity fast.
Outcome
Secured a $180K working capital advance with a payment schedule aligned to our weekly revenue and no surprises in the final cost.
Marcus Reed
Owner, Reed Auto Repair
AUTO SERVICES
We got funded without the endless back-and-forth—just clear steps and real options.
Situation
Our business was growing quickly, but traditional lenders wanted longer time-in-business and more documentation than we could provide.
Outcome
Approved for a $95K MCA within days, letting us stock inventory and keep up with demand during our busiest month.
Sofia Martinez
Founder, Bloom & Co. Retail
RETAIL
They understood the difference between revenue and profit—and structured funding accordingly
Situation
We reinvest heavily, so our profit margins look thin on paper even though revenue is strong. Banks didn’t get it.
Outcome
Matched with a lender for a $320K line of credit that supported our expansion plan and kept utilization flexible.
David Chen
Co-Founder, NorthPeak Logistics
LOGISTICS
Our Advisory Approach
Why choose BestLoanUSA?
Advisor-led, structured access across banks and non-banks. No data blasting.
01
Evaluation First
We conduct a comprehensive financial assessment of your business—revenue patterns, capital structure, and strategic objectives—before presenting any financing options.
You receive structured recommendations based on your complete financial profile, not a templated product pitch.
02
Full Market Access
Our platform coordinates capital access across the complete lending spectrum: traditional bank products, SBA loans, alternative term structures, and specialized financing.
Your search covers options you wouldn't encounter by contacting lenders individually, without bias toward any single product category.
03
Advisor Ownership
One experienced financing advisor manages your case from initial consultation through close, coordinating all lender communications and providing decision support without pressure.
You work with a single accountable advisor who understands your business and guides every step without handoffs or automation gaps.
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Platform Comparison
How we compare
A structured comparison of marketplace coordination versus individual lender relationships.
Direct Provider
Traditional Banks
Access to multiple lenders
Dedicated advisory support
Side-by-side offer comparison
Coordinated multi-source financing
Transparent fee disclosure
SBA loan access
Traditional term loans
Alternative capital products
No obligation to accept
Marketplace Platform
BestLoanUSA
Access to multiple lenders
Dedicated advisory support
Side-by-side offer comparison
Coordinated multi-source financing
Transparent fee disclosure
SBA loan access
Traditional term loans
Alternative capital products
Fast-track approval options
No obligation to accept
Start Now
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Direct Provider
Alternative Lenders
Access to multiple lenders
Dedicated advisory support
Side-by-side offer comparison
Coordinated multi-source financing
Transparent fee disclosure
SBA loan access
Traditional term loans
Alternative capital products
No obligation to accept
Advisor Note
Platform Context
This comparison reflects structural differences in how financing is coordinated, not a judgment of individual lender quality. Each approach serves different business situations and preferences.
BestLoanUSA functions as a marketplace coordinator, providing access to both traditional and alternative capital sources through a single advisory relationship.
Educational Resources
Insights from business financing experts
View More Resources
Market Data
Industry insights
Data-driven evidence of our platform's performance compared to industry standards.
+35% vs Industry
75%
Approval Rate
Average approval rate for business loan applications facilitated through our platform, significantly exceeding the national average for traditional bank lending.
Industry Avg.
48%
BestLoanUSA
75%
Industry estimate · Source: Federal Reserve Small Business Credit Survey
SBA 7(a) Average
7.5%
Average SBA Rate
Average interest rate for SBA 7(a) loans facilitated through our lending network, representing competitive terms for qualified business borrowers.
Typical Rate Range
8.0% - 13.0%
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
How does a business term loan work?
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A business term loan gives you a lump sum upfront that you repay over a fixed period — typically 1 to 10 years — with regular monthly payments. Interest rates are either fixed or variable. Short-term loans run 6–24 months; medium-term loans (2–5 years) offer balance; long-term loans (5–10 years) have the lowest monthly payments. Term loans are best for predictable one-time investments: buying equipment, opening a new location, or funding a specific project.
What are typical interest rates for a business term loan?
Rates depend on credit score, loan size, and lender type. Bank term loans: 6–10% APR (requires 680+ credit).
Online/non-bank term loans: Higher rates depending on risk (600+ credit). SBA 7(a) term loans: Prime + margin. A borrower with 680+ credit, 2–3+ years in business, and strong revenue typically qualifies for the best rates. Rate shopping through our marketplace lets you compare multiple offers at once.
How long does it take to get a term loan funded?
Non-bank short-term loans: 2–5 days.
Non-bank medium-term loans: 3–10 business days. Bank term loans: 2–4 weeks. SBA term loans: 30–60 days. The fastest path to funding is having your documents ready: 3–6 months of bank statements, most recent tax returns, and your business license.
Applying through BestLoanUSA pre-matches you with lenders whose criteria you already meet.
What credit score do I need for a business term loan?
Short-term revenue-based loans (6–24 months): 600+ FICO.
Medium-term loans (2–5 years): 620–660+.
Bank/SBA term loans: 680–700+.
We conduct a soft credit pull that does not affect your score, so you can check eligibility without any risk.
Can I pay off a term loan early without a penalty?
Many non-bank term loans allow early payoff, but some charge prepayment penalties or require paying the full interest amount.
SBA loans (terms under 15 years) typically do not have prepayment penalties. Always review the prepayment clause before signing. BestLoanUSA advisors highlight any prepayment restrictions in every offer we present so you can negotiate or choose a penalty-
free option.
What can I use a business term loan for?
Term loans are versatile and can fund: equipment purchases, facility expansion, leasehold improvements, hiring and payroll during
a growth phase, inventory buildup, marketing campaigns, debt consolidation (refinancing high-rate loans), or business acquisition.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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