Discover Our Top Business Loan Options

Small Business Funding has multiple fast small business loan /funding options for all business types and industries.  Business owners no longer need to go through the long, drawn out process with a traditional bank to find a small business loan.

From a working capital advance to a business line of credit, Small Business Funding offers a variety of financing solutions for your business.  Our funding options are perfect for businesses in need of working capital from $5,000 to $500,000, or equipment financing up to $1 million. 

We have small business loan options for businesses that have been in operation as little as 6 months.  If you don’t have perfect credit, don’t worry, we have business loan for bad credit options.

Discover how to get a small business loans and which financing option best fits your unique business needs:

 

Working Capital Advance (or Merchant Cash Advance)

Credit card processor indicating a Working Capital Advance Business Loan Option

With a working capital advance, you will receive a lump sum of capital which you will then repay a set percentage of your daily credit card sales.

A Merchant Cash Advance is ideal: 

  • Have bad credit
  • Need quick capital
  • Have not been in business long

Maximum Funding Amount: $500,000

Minimum Time in Business:  6 Months

Minimum Revenue Requirements: $15k month

Minimum FICO Score:  500

Term:  Fixed percentage of credit card receivables, paid daily

Time To Funding: in most cases within 2 to 3 days

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Business Line Of Credit

Stack of cash taken out by Business Line of Credit Business Loan Type

With a business line of credit, you can borrow a certain limit and only pay interest on the amount you choose to withdraw from your credit line.

A Business Line of Credit is ideal: 

  • Flexibility for how much and when you need the funding
  • Need quick capital
  • Do not have perfect credit

Maximum Funding Amount: $250,000

Minimum Time in Business:  6 Months

Minimum Revenue Requirements:  $300k annually

Minimum FICO Score:  620

Term:  12% to 47% simple interest (annualized), paid monthly

Time To Funding: may be within 24 hours after approval

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Short Term Business Loan

Short Term Business Loan Application

With a short term business loan, you are given a lump sum of capital up front which will be repaid monthly plus interest.

A Short Term Loan is ideal: 

  • Seeking a more traditional loan structure
  • Need quick capital
  • Do not have perfect credit

Maximum Funding Amount: $200,000

Minimum Time in Business:  2 Years

Minimum FICO Score:  640

Term:  APR could be between 6.99% to 26.99%, paid monthly, with a 2 to 5 year term

Time To Funding: 2 to 4 weeks, in some cases longer

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SBA Loan

SBA Loan Application

With an SBA loan, your loan will be partially guaranteed by the government.  This guarantee eliminates some of the risk for the lender.

An SBA Loan is ideal: 

  • A more established company operating profitably for at least 2 years
  • Has a longer term vision they would like to execute on

Maximum Funding Amount: $350,000

Minimum Time in Business:  2 Years (verified with two complete tax returns)

Minimum FICO Score:  650

Term:  APR (Annual Percentage Rate) = 6.50% – 8.75% (Prime Rate + 2.75% to 3.75%), paid monthly, up to a 10 year term

Time To Funding: 4 weeks, in some cases longer

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Equipment Financing

Equipment purchased with Equipment Financing

With equipment financing, you may be able to finance up to 100% of the equipment purchase (up to $1 Million).  The equipment is then used as collateral.

Equipment financing is ideal: 

  • You don’t have the cash or collateral on hand
  • Need to purchase equipment quickly
  • Do not have perfect credit

Maximum Funding Amount: $1,000,000

Minimum Time in Business:  6 Months

Minimum FICO Score:  600

Term:  Paid monthly, with 1 to 5 year terms

Time To Funding: within 1 week

Start your free application now button

 

How to Get A Business Loan

To apply for a business loan or other funding options, call 800-742-2995 or complete the online Business Funding Request Form and speak with one of our Funding Managers to see what you qualify for.

We have a network of lending partners who can underwrite your business loan or alternative funding option quickly and with little documentation. You can use the capital for any reason and watch your business grow.

When you need fast capital for expansion, payroll, taxes, or just working capital you should not be forced to wait for a lending decision. We understand the importance of receiving a fast approval and fast funding to allow you to grow.

 

We’re Your Choice For Fast Business Loans

Fast business loans or working capital are exactly that, FAST! The rates will vary based on credit, industry type, and cash flow. We are well versed in determining risk and extremely efficient providing capital very fast. By leveraging technology and data you can receive a decision in less than 24 hours with most funding options. 

Apply Today.

 

Small Business Funding Review from Cars-Metics of Kona Hawaii given after receiving a fast small business loan