Financing options for your small business — Business Funding Rates
We connect US business owners with lenders offering transparent terms for growth, equipment, and cash flow needs.
No impact on your credit score for initial inquiries.
- APR transparency
- Debt service coverage
- Soft credit inquiry
- Blanket lien
- Personal guarantee
- Maturity date
- Capital infusion
- Origination fee
Small business commercial lending and capital financing
Financing options matched to your situation, in one place.
- Term Fixed term loans Lump sum capital for long-term growth and major expansion projects.
- Line Line of credit Revolving access to funds for ongoing operational expenses and gaps.
- Asset Equipment financing Dedicated funding to purchase machinery or commercial hardware assets.
- Working Working capital Short-term cash to manage seasonal flow and daily business costs.
- $10K–$2M Available funding amounts
- 24–48 hours Typical funding speed
- 1 soft pull Inquiry impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Rate transparency
- Every lender must disclose APR before you sign any contract.
- We highlight fee structures so you know the full cost upfront.
Rapid processing
- Most offers are generated within one business day.
- Digital document uploads keep the process moving quickly.
Niche expertise
- We specialize in connecting diverse industries with lenders.
- Access partners that understand specific commercial business needs.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Short time in business
Banks usually require three years of tax returns for loan approval.
Insufficient liquidity
Traditional lenders often view low cash reserves as high default risk.
Negative credit score
Standard bank models auto-decline credit scores below 650.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Manufacturing business owner
Purchasing new CNC machinery to increase production capacity for upcoming contracts.
Restaurant group controller
Bridging seasonal revenue dips during the winter months.
Retail distributor
Expanding warehouse stock for Q4 holiday demand.
Construction firm owner
Upgrading commercial vehicle fleet for multiple job sites.
Compare 2026 lending products
Use our calculator to estimate monthly payments and compare small business financing options against current market averages.