FAST, NO-RISK BUSINESS LOANS —NO PERSONAL CREDIT PULLS
Pre-qualify in 2 minutes for 50+ funding programs. No hard pulls, no obligations — just clear, tailored capital solutions.
Why Traditional Lenders Leave You Stranded
Most banks demand personal guarantees, deliver slow decisions, and leave you stuck without answers or capital.
Discover a funding path that protects your personal credit, speeds up approvals, and gives you a clear roadmap to growth.
50+ Funding Programs Tailored to Your Business
From startup seed money to equipment financing—find the exact solution for your next milestone.
This program offers loan approvals of up to $10 million, with terms ranging from 1 to 5 years, and monthly payments available. The loan is based on consistent business revenue, verifiable through business bank statements.
Consistent revenue verifiable through business bank statements
Personal credit score 650+
N/A
N/A
Application, 6 months business bank statements
Time in Business – 1 year or greater $25,000 or higher deposited monthly in your business bank account
Revenue Lending is a financing option for businesses that want to borrow money based on their monthly revenue, rather than their credit score or traditional collateral. It’s ideal for companies with consistent cash flow but less-than-ideal credit scores. The loan is repaid through a percentage of daily revenue.
None
500+
N/A
N/A
N/A
N/A
This program offers business funding through PayPal, Square, and Stripe by evaluating factors like your processing volume, customer base size, and account activity. Businesses using these platforms can qualify for funding based on their transaction history, without the need for traditional credit checks.
None
Based on a variety of factors related to your Stripe account, including your processing volume and the size of your customer base. We automatically review your business for loan offer eligibility on a daily basis.
- Be based in the US. Have processed payments on Stripe for 6 months or more. Have a processing volume of 5,000 USD minimum per year. If your business previously applied for a Capital loan and was rejected, you’re not eligible to receive a new loan offer for 30 days.
- We routinely review eligibility of our sellers and if your business becomes eligible to request a loan again, you will see loan offers in your Square Dashboard. Payment processing volume, account history, and payment frequency.
- Have a PayPal Business or Premier account for at least 90 days. Processed at least $15,000 in PayPal sales in the last 12 months ($20,000 for Premier accounts). No outstanding PayPal Working Capital loan.
- Be based in the US. Have processed payments on Stripe for 6 months or more. Have a processing volume of 5,000 USD minimum per year. If your business previously applied for a Capital loan and was rejected, you’re not eligible to receive a new loan offer for 30 days.
- We routinely review eligibility of our sellers and if your business becomes eligible to request a loan again, you will see loan offers in your Square Dashboard. Payment processing volume, account history, and payment frequency.
- Have a PayPal Business or Premier account for at least 90 days. Processed at least $15,000 in PayPal sales in the last 12 months ($20,000 for Premier accounts). No outstanding PayPal Working Capital loan.
N/A
N/A
Merchant Cash Advances provide businesses with quick access to funds based on their daily credit card sales or revenue. This is not a loan in the traditional sense, but an advance on future sales. Repayment is made through a percentage of the business’s daily credit card receipts or revenue. MCAs are ideal for businesses that need fast access to capital and have a steady flow of credit card transaction.
None
Any credit
N/A
N/A
N/A
N/A
This program offers revolving credit lines of up to $750,000, with simple interest rates and the ability to only pay on the amount drawn.
Consistent revenue verifiable through business bank statements
Personal credit score 600+
N/A
N/A
Application, 6 months business bank statements
- Time in business – 1 year or greater
- $25,000 or higher deposited monthly in your business bank account
- Only pay on amount drawn
A Business Line of Credit (LOC) provides a flexible financing option that allows businesses to access funds up to a certain credit limit. Unlike a traditional loan, businesses only pay interest on the amount they borrow, rather than the full credit limit. This revolving credit facility helps businesses manage cash flow gaps, finance short-term needs, and cover unexpected expenses.
None
660+
- Personal Guarantee is required by all four lenders for business lines of credit.
- Bank Statements (3 months) and Tax Returns (for AMEX) are common across most lenders to verify financial health.
- Business Website is required only by Backd, indicating a focus on businesses that operate online.
- Location: All lenders require the business to be U.S.-based.
- Minimum Revenue and Time in Business vary slightly, but most lenders want at least 6 months to 1 year in business and $100,000+ in annual revenue.
- AMEX stands out by requiring the business to be profitable and having a solid relationship with American Express.
- No Outstanding Tax Liens or Bankruptcy History: BlueVine, Backd, and AMEX are stricter in this regard.
- Personal Guarantee is required by all four lenders for business lines of credit.
- Bank Statements (3 months) and Tax Returns (for AMEX) are common across most lenders to verify financial health.
- Business Website is required only by Backd, indicating a focus on businesses that operate online.
- Location: All lenders require the business to be U.S.-based.
- Minimum Revenue and Time in Business vary slightly, but most lenders want at least 6 months to 1 year in business and $100,000+ in annual revenue.
- AMEX stands out by requiring the business to be profitable and having a solid relationship with American Express.
- No Outstanding Tax Liens or Bankruptcy History: BlueVine, Backd, and AMEX are stricter in this regard.
N/A
N/A
This program offers loans based on consistent business revenue, which can be verified through business bank statements, with loan amounts ranging from $10,000 to $10 million.
Consistent revenue verifiable through business bank statements
Personal credit score 500+, no recent bankruptcies
N/A
N/A
Application, 6 months business bank statements
- At least $10,000 in monthly gross revenue. (last 6 months business bank statements to reflect)
- Time in Business – 6 months or greater
- Business must do over 5 small transactions each month
- Some financial services industries are prohibited
This program offers loans for commercial real estate, including fix-and-flip, multi-family, and new construction projects. The program is designed for business owners or investors with equity in commercial properties.
Commercial Real Estate
Personal credit score 650+
N/A
N/A
- Application
- Real estate sheet
- 3-6 months business bank statements
- Personal financial statement
- To use as collateral
- Personal credit score 650+
- Must own investment home or commercial property
- Physical building with tenant
- Equity in property
- Monthly revenue to support repayment
A Portfolio Loan is a type of loan that is underwritten and held in-house by the lender, typically a bank or credit union, rather than being sold on the secondary mortgage market (like Fannie Mae or Freddie Mac). These loans are ideal for borrowers whose financial situation doesn’t meet the rigid requirements of traditional loans. A portfolio loan can be used for a variety of purposes, such as purchasing real estate, refinancing properties, or consolidating debt, and is often offered to individuals with unique financial circumstances.
Typically, real estate properties or investment assets serve as collateral. The loan amount is often determined based on the value of the portfolio being financed.
620+
N/A
N/A
N/A
N/A
Leasehold Financing allows businesses to secure loans using the leasehold interest in a property as collateral, where the property is located on leased land. This type of financing is ideal for borrowers looking to finance improvements or leverage a lease agreement that generates income.
- The property situated on leased land serves as collateral for the loan.
- The leasehold interest in the property serves as collateral for the loan.
- Typically secured by the leasehold improvements financed by the loan.
- The primary collateral is the lease agreement and the income stream it generates, rather than the physical property itself.
650
- Loan approval is contingent upon meeting MCCU’s credit criteria.
- A satisfactory credit history without recent bankruptcies or significant delinquencies is typically required.
- Borrowers must meet Fannie Mae’s general creditworthiness standards, including a satisfactory credit history without recent significant delinquencies or bankruptcies.
- A satisfactory credit history without significant delinquencies or recent bankruptcies is typically expected.
- A long-term lease agreement with a creditworthy tenant is essential. The lease structure should be bondable or triple-net, ensuring the tenant is responsible for most property-related expenses.
PRUDENTIALPRIVATECAPITAL.COM
- Loan approval is contingent upon meeting MCCU’s credit criteria.
- A satisfactory credit history without recent bankruptcies or significant delinquencies is typically required.
- Borrowers must meet Fannie Mae’s general creditworthiness standards, including a satisfactory credit history without recent significant delinquencies or bankruptcies.
- A satisfactory credit history without significant delinquencies or recent bankruptcies is typically expected.
- A long-term lease agreement with a creditworthy tenant is essential. The lease structure should be bondable or triple-net, ensuring the tenant is responsible for most property-related expenses.
PRUDENTIALPRIVATECAPITAL.COM
N/A
N/A
Fix and Flip Financing is a short-term loan designed specifically for real estate investors who purchase properties to renovate and resell at a profit. These loans are typically used for residential properties that need repairs or upgrades before being resold. The financing covers the purchase price and renovation costs, and is paid back after the property is sold or refinanced.
Property being flipped (Real Estate)
Minimum 600+ credit score
- 2+ Years of Real Estate Investment Experience
- Proof of Property Value (Appraisal or Purchase Agreement)
- Project Budget and Timeline
- Strong Exit Strategy (Clear plan for selling or refinancing)
- Personal Guarantee (from business owners if applicable)
- Proof of Funds (for renovation costs, if not financed)
- Insurance Coverage on the property during the renovation
- Detailed Project Budget and Timeline
- Proof of Down Payment (typically 10%-20%)
- Insurance on the property during the renovation phase
- Property Inspection (if requested by lender)
- Proof of Property Value (Appraisal or Purchase Agreement)
- 2+ Years of Real Estate Investment Experience
- Proof of Property Value (Appraisal or Purchase Agreement)
- Project Budget and Timeline
- Strong Exit Strategy (Clear plan for selling or refinancing)
- Personal Guarantee (from business owners if applicable)
- Proof of Funds (for renovation costs, if not financed)
- Insurance Coverage on the property during the renovation
- Detailed Project Budget and Timeline
- Proof of Down Payment (typically 10%-20%)
- Insurance on the property during the renovation phase
- Property Inspection (if requested by lender)
- Proof of Property Value (Appraisal or Purchase Agreement)
N/A
N/A
Debt Service Coverage Ratio (DSCR) Loans are a type of real estate financing that evaluates a borrower’s ability to repay a loan based on the income the property generates. DSCR is a key financial ratio used by lenders to assess the risk associated with a loan, particularly in investment properties. It is a measure of a property’s ability to cover its debt obligations using its operating income. These loans are commonly used for commercial real estate, rental properties, and multi-family units.
Investment property or real estate
Minimum 600 credit score
N/A
N/A
N/A
N/A
ROBS allows individuals to use their retirement savings (such as 401(k) or IRA) to fund a new business or franchise without incurring penalties or taxes. This financing option is ideal for those who have a substantial amount in their retirement accounts and want to use those funds to invest in their business without taking out a traditional loan.
None
650+
N/A
N/A
N/A
N/A
This program allows you to borrow up to 100% of your “rollable” retirement account value, such as a 401K or IRA, with no credit requirements.
401K or IRA
None
N/A
N/A
- For 401k most recent statement
- For IRA most recent statement
401k:
- No longer contributing and no longer employed by the issuing company
- $35,000 minimum in the 401K account
IRA:
- $35,000 minimum in the IRA
Franchise Funding provides capital to individuals or businesses looking to start or expand a franchise. This type of financing helps cover startup costs, expansion, equipment, and other operational needs, offering flexible terms and competitive interest rates to support franchisees.
None
600–690
- Applicants should have a record free of any bankruptcies in the past three years.
SBA7A.LOANS
- A clean criminal history, or the ability to explain any misdemeanors, is necessary.
- Not publicly disclosed
- Own 50% or more of the business
- Applicants should have a record free of any bankruptcies in the past three years.
SBA7A.LOANS
- A clean criminal history, or the ability to explain any misdemeanors, is necessary.
- Not publicly disclosed
- Own 50% or more of the business
N/A
N/A
Personal loans provide individuals with flexible funding options, ranging from small to large amounts, for various purposes such as debt consolidation, home improvement, or emergency needs.
None
510 to 690–850
- Have a verifiable name, date of birth and social security number. Be at least 18 years of age. Have a U.S. address. Have a personal banking account at a U.S. financial institution with a routing transit number. Have a valid e-mail account. verifiable source of regular income.
- Must be U.S. citizen or permanent resident, or living in the U.S. on a valid visa. At least 18 years old (19 years old in Alabama and certain other states). Able to provide a verifiable bank account.
- Several years of credit history. Experience with a variety of types of credit accounts. Savings or retirement/investment accounts. Low debt-to-income ratio. A strong payment history.
- Repayment terms 2 to 7 years. Funds can be sent the same day you’re approved.
- Be a U.S. citizen or current resident (we accept applications from all U.S. states and Washington, D.C.; however, we don’t accept applications from the U.S. territories). Be at least 18 years old. Have a verifiable bank account.
- Reach Financial only offers loans for debt consolidation or refinancing, and will pay creditors directly; there is no option to get loan funds sent to your own bank account.
- You must be: A U.S. citizen or permanent resident. At least 18 years old.
- Be a U.S. citizen currently living in the U.S., or a permanent resident currently living in the U.S. Be of legal age to accept a loan in the state in which they reside. Have a verifiable personal checking account with a routing number. Have a physical address, which does not include PO Boxes.
- Length of credit history, at least four years. Your open and satisfactory trades are the lines of credit (think: mortgage, auto loan, etc.) that you’ve opened and made payments for on time.
- Proof of income, which can be a W-2, tax documents or a pay stub, as well as proof of address and a Social Security or individual taxpayer identification number.
- Must have an active email address, Age: 21 years to 80 years. Household income information. Employment history. Bank account number and routing number to have your funds deposited directly into your checking or savings account.
- You don’t need to be a member of the credit union to check your rates, but if you want to officially apply, you will need to be eligible for membership.
- You are at least the age of majority in your state and able to enter into a binding contract. You are either a United States citizen, eligible permanent resident, or non-permanent resident alien. You reside in a state where SoFi Lending Corporation or SoFi Bank, N.A is authorized to lend. You are at least the age of majority in your state. You must be employed, have sufficient income from other sources, or have an offer of employment to start within the next 90 days.
- You may be asked to provide the following: current debts, income, employer’s contact information, your contact information, previous addresses, Social Security number, and date of birth.
- Live in the UK. Be aged 18 or over (there are some exceptions if you’re 16 to 17). Be under State Pension age. Have £16,000 or less in money, savings and investments.
- Have a verifiable name, date of birth and social security number. Be at least 18 years of age. Have a U.S. address. Have a personal banking account at a U.S. financial institution with a routing transit number. Have a valid e-mail account. verifiable source of regular income.
- Must be U.S. citizen or permanent resident, or living in the U.S. on a valid visa. At least 18 years old (19 years old in Alabama and certain other states). Able to provide a verifiable bank account.
- Several years of credit history. Experience with a variety of types of credit accounts. Savings or retirement/investment accounts. Low debt-to-income ratio. A strong payment history.
- Repayment terms 2 to 7 years. Funds can be sent the same day you’re approved.
- Be a U.S. citizen or current resident (we accept applications from all U.S. states and Washington, D.C.; however, we don’t accept applications from the U.S. territories). Be at least 18 years old. Have a verifiable bank account.
- Reach Financial only offers loans for debt consolidation or refinancing, and will pay creditors directly; there is no option to get loan funds sent to your own bank account.
- You must be: A U.S. citizen or permanent resident. At least 18 years old.
- Be a U.S. citizen currently living in the U.S., or a permanent resident currently living in the U.S. Be of legal age to accept a loan in the state in which they reside. Have a verifiable personal checking account with a routing number. Have a physical address, which does not include PO Boxes.
- Length of credit history, at least four years. Your open and satisfactory trades are the lines of credit (think: mortgage, auto loan, etc.) that you’ve opened and made payments for on time.
- Proof of income, which can be a W-2, tax documents or a pay stub, as well as proof of address and a Social Security or individual taxpayer identification number.
- Must have an active email address, Age: 21 years to 80 years. Household income information. Employment history. Bank account number and routing number to have your funds deposited directly into your checking or savings account.
- You don’t need to be a member of the credit union to check your rates, but if you want to officially apply, you will need to be eligible for membership.
- You are at least the age of majority in your state and able to enter into a binding contract. You are either a United States citizen, eligible permanent resident, or non-permanent resident alien. You reside in a state where SoFi Lending Corporation or SoFi Bank, N.A is authorized to lend. You are at least the age of majority in your state. You must be employed, have sufficient income from other sources, or have an offer of employment to start within the next 90 days.
- You may be asked to provide the following: current debts, income, employer’s contact information, your contact information, previous addresses, Social Security number, and date of birth.
- Live in the UK. Be aged 18 or over (there are some exceptions if you’re 16 to 17). Be under State Pension age. Have £16,000 or less in money, savings and investments.
N/A
N/A
This program is designed for individuals who seek to access larger sums of money by stacking multiple personal loans from different lenders or financial institutions. The purpose of this method is to allow borrowers to secure more funds than they might be able to obtain from a single loan. While this can offer more flexibility, it also carries increased risks such as managing multiple repayments, higher interest rates, and a potential negative impact on credit scores.
- Unsecured Loans: No collateral is required for most personal loan stacking programs, as these are typically unsecured loans.
- Secured Loan Options: In some cases, lenders may offer secured loans with lower rates, but this would require collateral (e.g., home, car).
680+
- Age: Must be 18 years or older.
- Income: Must have a stable source of income to ensure loan repayment.
- Employment: Proof of steady employment may be required.
- Credit History: Some lenders may require a minimum credit score; others may approve loans for borrowers with lower credit scores but at higher interest rates.
- Debt-to-Income Ratio: Lenders may look at your DTI ratio to assess your ability to repay multiple loans.
- Legal U.S. Resident: Must be a U.S. citizen or permanent resident.
- Other Financial Obligations: The more loans you stack, the harder it may be to qualify for new loans as your debt-to-income ratio increases.
- Age: Must be 18 years or older.
- Income: Must have a stable source of income to ensure loan repayment.
- Employment: Proof of steady employment may be required.
- Credit History: Some lenders may require a minimum credit score; others may approve loans for borrowers with lower credit scores but at higher interest rates.
- Debt-to-Income Ratio: Lenders may look at your DTI ratio to assess your ability to repay multiple loans.
- Legal U.S. Resident: Must be a U.S. citizen or permanent resident.
- Other Financial Obligations: The more loans you stack, the harder it may be to qualify for new loans as your debt-to-income ratio increases.
N/A
N/A
This loan program is designed for individuals who may have a lower credit score (typically below 640), making them ineligible for prime loan options. The loans can be used for a variety of personal expenses, including debt consolidation, medical bills, home improvements, or emergencies. These loans typically come with higher interest rates to offset the increased risk to the lender.
None
Minimum credit score of 500–640
- Must be 18 years or older
- Must be a U.S. citizen or permanent resident
- Must have a stable source of income
- Must have a verifiable address and identification
- Must be 18 years or older
- Must be a U.S. citizen or permanent resident
- Must have a stable source of income
- Must have a verifiable address and identification
N/A
N/A
P2P (Peer-to-Peer) Financing allows individuals or businesses to borrow money directly from investors, bypassing traditional banks and financial institutions. This type of financing offers competitive rates and flexible terms, making it an attractive option for those with good credit who want quick access to funds.
Collateral is required for loans over $100,000; loans under $100,000 require a personal guarantee.
INVESTORMINT.COM
600–640
- Personal guarantee for loans under $100,000.
- Applicants must have a debt-to-income ratio below 50% and no bankruptcies filed within the last 12 months.
HELP.PROSPER.COM
- Personal guarantee for loans under $100,000.
- Applicants must have a debt-to-income ratio below 50% and no bankruptcies filed within the last 12 months.
HELP.PROSPER.COM
N/A
N/A
Microloans offer small loans to individuals or businesses, often aimed at helping startups, small businesses, or personal financial needs.
None
550–800
- We do not provide business loans for adult entertainment You cannot be in any active bankruptcy proceedingsBorrowers can also attend group training sessions and receive one-on-one consultations from business coaches.
- It will also look at your credit, business revenue, expenses and other factors to determine your business’s viability. Looks for promising viability for future success, The annual revenue requirement varies based on the loan program.
- No (0) or very new credit, no more than $3,000 in unpaid / past due debt, any bankruptcy must be discharged for more than 1 year, any foreclosure must be complete for more than 2 years
- Applicants must own at least 21% of the business for loans under $50,000. Applicants must own at least 51% of the business for loans over $50,000.
- You must have been in business for at least six months, with annual revenue of $100,000 or more.
- (we accept applications from all U.S. states and Washington, D.C.; however,we don’t accept applications from the U.S. territories).
- Peerform only offers loans with three-year term lengths, Peerform also may not approve you if you have any of these negative events listed on your credit report within the past 12 months, Tax lien,Bankruptcy, delinquencies (i.e., late payments), non-medical-related debt collection.
- You’ll need to be a for-profit small business or a nonprofit child care center. You should also meet other SBA microloan requirements as laid out by your intermediary lender, including operating within their service area, these microlenders offer loans to small businesses that may not qualify for other types of SBA loans.
- Must have Social Security number Must have verifiable bank account. When submitting a formal application, you may need to send in proof of income, like a W-2, tax returns, or other financial documents, If your loan does not garner at least 70% funding after 14 days, then the company will deny your application.
- These loans are available up to $50,000 with repayment terms and interest rates that vary based on the program and your business’s qualifications.
- You must apply for pre-qualification and then invite friends and family members to lend to the venture. Because Kiva doesn’t require a minimum credit score, years of cash flow statements or collateral, this process helps you establish creditworthiness through “social underwriting."
- You must form a group with four other women you trust, and then your group participates in financial training, The individual must be living below the poverty line, located in a community with a Grameen America branch and willing to create or join a five-member group of like-minded individuals who want to start or expand their own businesses.
- We do not provide business loans for adult entertainment You cannot be in any active bankruptcy proceedingsBorrowers can also attend group training sessions and receive one-on-one consultations from business coaches.
- It will also look at your credit, business revenue, expenses and other factors to determine your business’s viability. Looks for promising viability for future success, The annual revenue requirement varies based on the loan program.
- No (0) or very new credit, no more than $3,000 in unpaid / past due debt, any bankruptcy must be discharged for more than 1 year, any foreclosure must be complete for more than 2 years
- Applicants must own at least 21% of the business for loans under $50,000. Applicants must own at least 51% of the business for loans over $50,000.
- You must have been in business for at least six months, with annual revenue of $100,000 or more.
- (we accept applications from all U.S. states and Washington, D.C.; however,we don’t accept applications from the U.S. territories).
- Peerform only offers loans with three-year term lengths, Peerform also may not approve you if you have any of these negative events listed on your credit report within the past 12 months, Tax lien,Bankruptcy, delinquencies (i.e., late payments), non-medical-related debt collection.
- You’ll need to be a for-profit small business or a nonprofit child care center. You should also meet other SBA microloan requirements as laid out by your intermediary lender, including operating within their service area, these microlenders offer loans to small businesses that may not qualify for other types of SBA loans.
- Must have Social Security number Must have verifiable bank account. When submitting a formal application, you may need to send in proof of income, like a W-2, tax returns, or other financial documents, If your loan does not garner at least 70% funding after 14 days, then the company will deny your application.
- These loans are available up to $50,000 with repayment terms and interest rates that vary based on the program and your business’s qualifications.
- You must apply for pre-qualification and then invite friends and family members to lend to the venture. Because Kiva doesn’t require a minimum credit score, years of cash flow statements or collateral, this process helps you establish creditworthiness through “social underwriting."
- You must form a group with four other women you trust, and then your group participates in financial training, The individual must be living below the poverty line, located in a community with a Grameen America branch and willing to create or join a five-member group of like-minded individuals who want to start or expand their own businesses.
N/A
N/A
A Signature Loan is an unsecured loan offered by banks and credit unions, where the borrower agrees to repay the loan based solely on their signature (i.e., the promise to repay). Since the loan is unsecured, no collateral is required. These loans are ideal for individuals who need a lump sum of money for personal use, such as debt consolidation, emergency expenses, home improvements, or other personal needs.
None (unsecured loan)
600+
- Alliant Credit Union and SECU require membership, while U.S. Bank does not have this requirement, making it open to the general public.
- Alliant Credit Union and SECU are more flexible with a minimum score of 600, whereas U.S. Bank requires a minimum score of 650.
- U.S. Bank offers slightly higher loan amounts (up to $50,000+) compared to SECU and Alliant Credit Union (up to $25,000-$50,000).
- Alliant Credit Union and SECU tend to offer lower interest rates compared to U.S. Bank, which may charge up to 20% for lower credit scores.
- Alliant Credit Union and SECU typically do not charge origination fees, while U.S. Bank may charge 1%-3% of the loan amount.
- Alliant Credit Union and U.S. Bank can approve loans within 1-2 business days, while SECU may take up to 3 business days.
- Alliant Credit Union and SECU require membership, while U.S. Bank does not have this requirement, making it open to the general public.
- Alliant Credit Union and SECU are more flexible with a minimum score of 600, whereas U.S. Bank requires a minimum score of 650.
- U.S. Bank offers slightly higher loan amounts (up to $50,000+) compared to SECU and Alliant Credit Union (up to $25,000-$50,000).
- Alliant Credit Union and SECU tend to offer lower interest rates compared to U.S. Bank, which may charge up to 20% for lower credit scores.
- Alliant Credit Union and SECU typically do not charge origination fees, while U.S. Bank may charge 1%-3% of the loan amount.
- Alliant Credit Union and U.S. Bank can approve loans within 1-2 business days, while SECU may take up to 3 business days.
N/A
N/A
This program offers a revolving credit line through business credit cards, typically with a 0% APR for an introductory period, after which the rates increase based on creditworthiness.
Strong personal credit
- Personal credit score 680+ on all 3 bureaus
- Under 40% utilization on each revolving accounts
- No more than 4 bank inquiries per bureau in the last 12 months (Does not include secured inquiries like auto loans and mortgages)
- No more than 3 unsecured accounts opened in past 12 months
- No bankruptcies at all
- No open/unpaid collections or judgments
- No late payments in 2 years and no charged off accounts
- Seasoned major bank card trade lines $5,000 limit +. Must have a minimum of 2 open revolving accounts with $5,000 limit +, with at least 2 years of history or more
N/A
N/A
Credit Line Hybrid application for soft pull or 3 bureau personal credit report.
N/A
Equipment Leasing allows businesses to acquire equipment without the high upfront costs. Rather than buying equipment outright, businesses can lease it for a specified period, with an option to purchase, renew, or return the equipment at the end of the lease term. This option provides flexibility, preserves cash flow, and helps businesses keep up with the latest technology without the risk of obsolescence.
Equipment being leased
Minimum 600+ personal credit score
- Proof of business operations (e.g., business license, tax returns)
- Equipment must be in good working condition
- Down payment may be required (typically 10% – 20%)
- Owner or guarantor may need to sign a personal guarantee
- 2+ years of business history
- Personal guarantee may be required for business owners
- Proof of insurance for the leased equipment
- Personal guarantee or co-signer may be required depending on business type
- Insurance coverage on the equipment may be necessary
- Proof of business ownership (e.g., tax returns, business bank statements)
- Proof of cash flow or revenue stability
- Equipment insurance may be required
- Proof of business operations (e.g., business license, tax returns)
- Equipment must be in good working condition
- Down payment may be required (typically 10% – 20%)
- Owner or guarantor may need to sign a personal guarantee
- 2+ years of business history
- Personal guarantee may be required for business owners
- Proof of insurance for the leased equipment
- Personal guarantee or co-signer may be required depending on business type
- Insurance coverage on the equipment may be necessary
- Proof of business ownership (e.g., tax returns, business bank statements)
- Proof of cash flow or revenue stability
- Equipment insurance may be required
N/A
N/A
This program offers financing for purchasing equipment, with loan amounts up to $5 million and flexible terms, including special conditions for long haul trucking.
Equipment purchased
Personal credit score 500+
N/A
N/A
N/A
- Time in Business – 2 years or greater
- Long Haul trucking : Need 2 units in fleet if been in business 2 years or greater
Commercial Truck Loans are specifically designed to help businesses finance the purchase or lease of commercial vehicles, such as trucks, vans, or specialized vehicles. These loans enable businesses in industries like transportation, logistics, or construction to acquire vehicles necessary for operations. The loan is typically secured by the financed vehicle, ensuring that the lender has collateral in case of default.
QuickBridge offers both secured and unsecured loans; the requirement for collateral depends on the loan product and applicant qualifications.
600–675
- A comprehensive assessment of both personal and business credit histories is conducted.
- A thorough assessment of both personal and business credit histories is conducted.
- Even individuals with prior bankruptcies, repossessions, or late payments may qualify for financing.
- A comprehensive assessment of both personal and business credit histories is conducted.
- A comprehensive assessment of both personal and business credit histories is conducted.
- A thorough assessment of both personal and business credit histories is conducted.
- Even individuals with prior bankruptcies, repossessions, or late payments may qualify for financing.
- A comprehensive assessment of both personal and business credit histories is conducted.
N/A
N/A
Equipment Leasing allows businesses to acquire equipment without the high upfront costs. Rather than buying equipment outright, businesses can lease it for a specified period, with an option to purchase, renew, or return the equipment at the end of the lease term. This option provides flexibility, preserves cash flow, and helps businesses keep up with the latest technology without the risk of obsolescence.
Equipment being leased
Minimum 600+ personal credit score
- Proof of business operations (e.g., business license, tax returns)
- Equipment must be in good working condition
- Down payment may be required (typically 10% – 20%)
- Owner or guarantor may need to sign a personal guarantee
- 2+ years of business history
- Personal guarantee may be required for business owners
- Proof of insurance for the leased equipment
- Personal guarantee or co-signer may be required depending on business type
- Insurance coverage on the equipment may be necessary
- Proof of business ownership (e.g., tax returns, business bank statements)
- Proof of cash flow or revenue stability
- Equipment insurance may be required
- Proof of business operations (e.g., business license, tax returns)
- Equipment must be in good working condition
- Down payment may be required (typically 10% – 20%)
- Owner or guarantor may need to sign a personal guarantee
- 2+ years of business history
- Personal guarantee may be required for business owners
- Proof of insurance for the leased equipment
- Personal guarantee or co-signer may be required depending on business type
- Insurance coverage on the equipment may be necessary
- Proof of business ownership (e.g., tax returns, business bank statements)
- Proof of cash flow or revenue stability
- Equipment insurance may be required
N/A
N/A
This program offers financing for purchasing equipment, with loan amounts up to $5 million and flexible terms, including special conditions for long haul trucking.
Equipment purchased
Personal credit score 500+
N/A
N/A
N/A
- Time in Business – 2 years or greater
- Long Haul trucking : Need 2 units in fleet if been in business 2 years or greater
Commercial Truck Loans are specifically designed to help businesses finance the purchase or lease of commercial vehicles, such as trucks, vans, or specialized vehicles. These loans enable businesses in industries like transportation, logistics, or construction to acquire vehicles necessary for operations. The loan is typically secured by the financed vehicle, ensuring that the lender has collateral in case of default.
QuickBridge offers both secured and unsecured loans; the requirement for collateral depends on the loan product and applicant qualifications.
600–675
- A comprehensive assessment of both personal and business credit histories is conducted.
- A thorough assessment of both personal and business credit histories is conducted.
- Even individuals with prior bankruptcies, repossessions, or late payments may qualify for financing.
- A comprehensive assessment of both personal and business credit histories is conducted.
- A comprehensive assessment of both personal and business credit histories is conducted.
- A thorough assessment of both personal and business credit histories is conducted.
- Even individuals with prior bankruptcies, repossessions, or late payments may qualify for financing.
- A comprehensive assessment of both personal and business credit histories is conducted.
N/A
N/A
Small Business Investment Companies (SBICs) are privately-owned, government-regulated investment firms that provide funding to small businesses through equity capital and debt financing. SBICs are licensed by the U.S. Small Business Administration (SBA) and are designed to help small businesses that may not have access to traditional funding sources. The SBA guarantees a portion of the funds invested by SBICs, reducing the risk for investors and making it easier for small businesses to obtain necessary capital.
Business assets (e.g., real estate, equipment) or personal guarantees for debt financing. For equity investments, ownership stakes or future business profits act as the primary collateral.
680+
N/A
N/A
N/A
N/A
SBA Startup Loans are specifically designed to help new businesses get off the ground by providing access to affordable financing. These loans are offered through SBA-approved lenders and come with favorable terms, including lower interest rates and longer repayment periods compared to traditional business loans. The goal of SBA Startup Loans is to give entrepreneurs the resources they need to launch their business and ensure long-term success.
Generally, business assets, personal guarantees, or real estate are required. The SBA does not mandate collateral for loans under $25,000, but most lenders will require it for larger loans.
Personal credit score typically needs to be 680+
N/A
N/A
N/A
N/A
SBA Loans are government-backed loans designed to help small businesses secure funding with favorable terms. These loans provide capital for business growth, working capital, and other financial needs while offering lower down payments and longer repayment periods compared to traditional loans.
Loans over $350,000 generally require collateral
650+
A strong personal and business credit history is crucial. Lenders assess credit reports to evaluate financial responsibility.
A strong personal and business credit history is crucial. Lenders assess credit reports to evaluate financial responsibility.
N/A
N/A
SBA Acquisition Financing is designed to help businesses acquire other companies, real estate, or assets with government-backed loans. These loans offer favorable terms and lower down payments compared to traditional financing, making it an ideal option for small businesses looking to expand through acquisitions.
- While collateral requirements are more flexible compared to conventional loans, some form of collateral may still be necessary.
RESOURCES.LIVEOAK.BANK
- Collateral requirements vary by product; SBA 7(a) loans may require a 10% down payment and collateral in the form of assets or real estate.
MERCHANTMAVERICK.COM
- Collateral requirements vary by loan product and borrower qualifications.
650–680
- A strong financial history is necessary, demonstrating the ability to repay the loan.
MERCHANTMAVERICK.COM
- Applicants should have a solid business plan and a clear understanding of their business’s financials.
CGAA.ORG
- Applicants should demonstrate sound personal financial health and a comprehensive understanding of their business’s financial needs.
HUNTINGTON.COM
- Applicants should have a solid business plan and a clear understanding of their business’s financials.
- A strong financial history is necessary, demonstrating the ability to repay the loan.
MERCHANTMAVERICK.COM
- Applicants should have a solid business plan and a clear understanding of their business’s financials.
CGAA.ORG
- Applicants should demonstrate sound personal financial health and a comprehensive understanding of their business’s financial needs.
HUNTINGTON.COM
- Applicants should have a solid business plan and a clear understanding of their business’s financials.
N/A
N/A
SBA Credit Lines provide businesses with flexible access to working capital. These lines of credit are supported by the SBA (Small Business Administration), which helps reduce the risk for lenders, offering competitive rates and longer repayment terms for qualified businesses. Funds can be used for various purposes, including inventory, accounts receivable, and general working capital. Loan/ Line Amounts Up to $5 million
- Advance rates can be as high as 80% on eligible accounts receivables and 50% on eligible inventory.
WWW-A.REGIONS.COM
- CAPLines can be administered on an asset-based structure or used to finance individual purchase orders or invoices. Proceeds can be used for financing suppliers, inventory, work-in-progress, or production of export goods or services.
FIRSTAMBANK.COM
- Collateral requirements may vary; for loans under $500,000, the SBA has relaxed collateral requirements.
RESOURCES.LIVEOAK.BANK
- Secured lines require collateral, such as a blanket lien on assets or a Bank of America certificate of deposit.
BUSINESS.BANKOFAMERICA.COM
680–700
- These lines of credit are secured, typically requiring a pledge of accounts receivable and inventory as collateral.
BYLINEBANK.COM
- Applicants must meet SBA eligibility criteria, demonstrating good character and the ability to repay the financing.
FITSMALLBUSINESS.COM
- Applicants must have a strong financial history and meet standard SBA loan requirements.
FINDER.COM
- These lines of credit are secured, typically requiring a pledge of accounts receivable and inventory as collateral.
BYLINEBANK.COM
- Applicants must meet SBA eligibility criteria, demonstrating good character and the ability to repay the financing.
FITSMALLBUSINESS.COM
- Applicants must have a strong financial history and meet standard SBA loan requirements.
FINDER.COM
N/A
N/A
SBA 504 Loans are long-term, fixed-rate financing options provided by the Small Business Administration (SBA) to help small businesses purchase real estate, machinery, and equipment. The SBA 504 program is designed for businesses that are looking to expand or acquire large fixed assets, such as commercial real estate or heavy equipment, without putting too much strain on their cash flow. It offers lower down payments compared to conventional loans and more favorable interest rates.
Real estate or equipment being financed, personal guarantee
Typically a 650+ credit score
N/A
N/A
N/A
N/A
This program offers SBA-backed loans for businesses, with funding amounts up to $5 million, flexible terms, and specific requirements for business profitability and personal credit.
Revenue from Business and Personal Financials
Personal credit score 650+
N/A
N/A
- Application
- Business tax returns -if applicable
- Personal tax returns – if applicable
- Personal financial statement -if applicable
- Business bank statements- if applicable
- Business plan
- Financials from business owner
- Time in business – 2 years or greater
- Showing some profits on business tax returns for 2 years (no losses)
- No felonies/criminal history
- No defaults on federal loan (VA, FHA or student loan)
- Funding process 4 to 8 weeks
- Can be used for working capital or real estate purchase
Government Contract Financing provides working capital for businesses that have secured government contracts. The financing is typically based on the accounts receivable from those contracts and helps businesses manage cash flow while waiting for payments from government entities.
Collateral requirements are determined by the lender. While loans up to $25,000 may not require collateral, loans over $350,000 must be collateralized to the maximum extent possible. Collateral requirements are evaluated on a case-by-case basis, considering the loan amount and the business’s financial standing. The primary collateral is typically the accounts receivable from the government contracts May be required, depending on the loan type and amount. Depending on the loan type and amount, collateral may be required.
650+
Live Oak Bank assesses the financial condition of the borrower and any proposed guarantors during the underwriting process.
Live Oak Bank assesses the financial condition of the borrower and any proposed guarantors during the underwriting process.
N/A
N/A
Patent Financing provides businesses with capital by using their patents as collateral. This type of financing allows companies to leverage their intellectual property (IP) assets to secure funding for growth, R&D, or other business needs. It’s especially useful for businesses in tech, pharmaceuticals, and other innovation-driven industries.
The primary collateral comprises the company’s patents.
650+
N/A
N/A
N/A
N/A
License-Backed Business Loans allow businesses to leverage their licenses (such as business, software, or franchise licenses) as collateral for funding. These loans provide working capital or growth capital by monetizing the value of the business’s intellectual property or licenses, helping businesses expand or improve operations.
- Both secured and unsecured loans are available. Secured loans may require collateral such as non-real estate assets.
MTB.COM
- Collateral requirements vary by loan product and borrower qualifications.
- Some loans may require collateral to secure the funding.
650+
N/A
N/A
N/A
N/A
IP-Backed Loans are a type of financing that allows companies to leverage their intellectual property (IP), such as patents, trademarks, copyrights, and trade secrets, as collateral. These loans are ideal for businesses with valuable IP assets but limited physical or cash collateral. IP-backed loans are often used for research and development, expansion, working capital, or strategic acquisitions, enabling companies to unlock capital tied up in their intellectual assets.
- The primary collateral is the company’s IP assets. Aon utilizes Collateral Protection Insurance (CPI) to insure the IP’s value, covering up to 90-100% of the principal loan amount.
- The primary collateral comprises the company’s IP assets, with loans secured against up to 50% of their assessed value.
NATWEST GROUP
- The primary collateral comprises the company’s IP assets, including patents, trademarks, copyrights, trade secrets, and contract rights.
RANDOLPHSQUAREIP.COM
650+
Detailed credit histories and financial statements may be required to assess the borrower’s financial health.
Detailed credit histories and financial statements may be required to assess the borrower’s financial health.
N/A
N/A
Intangible Asset Financing allows businesses to secure loans by leveraging luxury assets (like fine art, classic cars, jewelry, watches, and collectibles) or intangible assets (such as patents, trademarks, and other intellectual property). This financing is ideal for companies or individuals looking to unlock the value of assets that aren’t physical property but still hold significant worth.
- Loans are secured by luxury assets, including fine art, classic cars, jewelry, watches, and other collectibles.
BORRO.COM
- Intangible assets, such as patents or trademarks, may need to be independently valued to serve as collateral.
RANGEWELL.COM
- Valuation of both tangible and intangible assets to serve as collateral.
- Valuation of assets, including intangible assets, to serve as collateral.
- In ABF transactions, financing is secured by valuable and often highly diversified pools of assets.
APOLLO.COM
- In asset-backed financing transactions, financing is secured by valuable and often highly diversified pools of assets.
- In ABF transactions, financing is secured by valuable and often highly diversified pools of assets.
650+
- Apollo focuses on strong credit fundamentals, emphasizing rigorous underwriting and company-specific knowledge.
APOLLO.COM
- While a specific credit score may not be mandated, a solid credit profile is likely important.
- Apollo focuses on strong credit fundamentals, emphasizing rigorous underwriting and company-specific knowledge.
APOLLO.COM
- While a specific credit score may not be mandated, a solid credit profile is likely important.
N/A
N/A
Customer List Monetization Loans allow businesses to leverage their customer database or customer lists as a form of collateral for financing. The loan is based on the future value of the business’s customer base, making it ideal for companies with a large, engaged customer list that can be monetized for future sales.
None
650+
N/A
N/A
N/A
N/A
This program offers financing for insurance businesses based on their book of business, including options for acquisition, working capital, or business debt restructuring.
Book of Business Report – Rolling 12 month breakdown commission by carrier
None
N/A
N/A
- Application
- Personal Financial Statement
- Book of Business Report
- Year to Date Profit and Loss
- Most recent balance sheet
- 2 years of corporate tax returns
- For acquisition, working capital or business debt restructure
- Commission based loans
- Interest-only options
Sale-Leaseback Financing program offers financing for titled equipment with loan amounts based on the equipment’s value, and flexible terms of 2 to 6 years.
Titled equipment
Personal credit score 550+
N/A
N/A
- Equipment invoice
- Business bank statements with 6 months revenue to support equipment payment
- Time in business- 2 years
- Equipment purchased within 30-45 days via cash or credit card with invoice that shows that Equipment could have been purchased via equipment vendor
This program provides financing based on existing purchase orders, with funds paid directly to the supplier to help businesses fulfill large orders.
Purchase Orders
None
N/A
N/A
Provide outstanding purchase orders needing filling
- $200,000.00 minimum in existing purchase orders
- Transaction size ranges from $200,000 to $20 million and is based on the amount of purchase orders the client has in hand and the client’s ability to perform when they have a credit worthy end buyer
- Up to 95% of existing purchase orders
- Funds received are paid directly to the supplier
Invoice Factoring allows businesses to sell their outstanding invoices to a lender or factoring company in exchange for immediate funding. This provides businesses with quick access to capital, helping them manage cash flow while waiting for customer payments.
- The factored invoices themselves serve as collateral.
BLUEVINE.COM
- Fundbox’s advances are secured by your outstanding invoices.
FUNDBOX.COM
- The factored invoices themselves serve as collateral for the funding provided.
ECAPITAL.COM
- The factored invoices themselves serve as collateral for the funding provided.
NA
None
None
N/A
N/A
Inventory Financing provides businesses with the capital they need by leveraging existing inventory as collateral. This type of loan is ideal for businesses that need quick access to cash but do not want to sell their inventory. The loan can help with purchasing more inventory, managing operational expenses, or bridging short-term cash flow gaps. By using inventory as collateral, businesses can unlock liquidity without sacrificing their assets.
Inventory financed typically serves as collateral for the loan Inventory financing typically requires using existing inventory as collateral. CIT Group provides asset-based lending solutions that leverage accounts receivable, inventory, or fixed assets as collateral
550–625
- All products and services are subject to credit approval, indicating that Wells Fargo assesses the creditworthiness of applicants as part of the approval process.
- Applicants should have no bankruptcies in the past year and must be in good standing with their Secretary of State
- Applicants should have no bankruptcies in the past year and must be in good standing with their Secretary of State.
- All products and services are subject to credit approval, indicating that Wells Fargo assesses the creditworthiness of applicants as part of the approval process.
- Applicants should have no bankruptcies in the past year and must be in good standing with their Secretary of State
- Applicants should have no bankruptcies in the past year and must be in good standing with their Secretary of State.
N/A
N/A
A type of inventory financing where dealers (typically auto, RV, or equipment) borrow against each unit of inventory. Funds are used to purchase stock, which serves as collateral.
Yes: The financed inventory serves as collateral; additional collateral may be required based on creditworthiness
Typically 650+ FICO score for ownership; business credit history also considered
- Established dealership business. Minimum annual revenue threshold (varies by lender).
- Must be a licensed dealer (auto, RV, marine, etc.). Business financials Inventory management system Floor plan agreement
- Established dealership business. Minimum annual revenue threshold (varies by lender).
- Must be a licensed dealer (auto, RV, marine, etc.). Business financials Inventory management system Floor plan agreement
N/A
Equipment loans provide businesses with the necessary capital to purchase or lease new or used equipment. The equipment itself serves as collateral, meaning businesses can secure financing based on the value of the equipment they wish to acquire. This type of loan is ideal for companies in need of heavy machinery, vehicles, technology, or other operational equipment without disrupting their cash flow.
The equipment being financed typically serves as collateral.
600–640
None
None
N/A
N/A
An Equipment Line of Credit provides businesses with flexible access to capital specifically for purchasing equipment or managing equipment-related expenses. Unlike traditional loans, a line of credit allows businesses to draw funds as needed, up to the approved credit limit. This makes it ideal for companies that need to purchase multiple pieces of equipment or want the flexibility to finance equipment on an ongoing basis as their business grows. Repayments can be made as funds are used, with interest charged only on the amount borrowed.
Secured by business assets, including accounts receivable, inventory, and equipment. Secured by the equipment being financed. Business Lines of Credit: Unsecured up to certain limits; higher amounts may require collateral. Secured by non-real estate business assets, such as equipment or inventory. PNC.COM Business Lines of Credit: Unsecured up to certain limits; higher amounts may require collateral.
650–700
Both financing options require a thorough credit assessment, considering business performance and financial health. A thorough credit assessment is conducted, considering business performance and financial health. A comprehensive credit evaluation is conducted, considering both personal and business credit histories. A thorough assessment of both personal and business credit histories is conducted.
Both financing options require a thorough credit assessment, considering business performance and financial health. A thorough credit assessment is conducted, considering business performance and financial health. A comprehensive credit evaluation is conducted, considering both personal and business credit histories. A thorough assessment of both personal and business credit histories is conducted.
N/A
N/A
This program provides advances on account receivables, allowing businesses to access cash before customers pay their invoices, with no application fees and flexible terms.
Account Receivables
Poor credit accepted
- Stable business history (usually at least 6 months to 1 year).
- High-quality invoices (with customers having strong credit ratings).
- They usually focus on small to mid-sized businesses.
- Fast approval process.
- Competitive fees, though terms can vary.
- Minimum of $10,000 in monthly receivables.
- Established customer base with a solid track record of payments.
- Preferably at least 6 months in business.
- Preferably 6+ months in business.
- Stable business history (usually at least 6 months to 1 year).
- High-quality invoices (with customers having strong credit ratings).
- They usually focus on small to mid-sized businesses.
- Fast approval process.
- Competitive fees, though terms can vary.
- Minimum of $10,000 in monthly receivables.
- Established customer base with a solid track record of payments.
- Preferably at least 6 months in business.
- Preferably 6+ months in business.
N/A
N/A
Securities Financing allows clients to borrow funds by leveraging their non-retirement, marketable securities as collateral. This type of loan is ideal for clients looking to access liquidity without having to liquidate their investments. The program offers flexibility in loan amounts, terms, and uses high-quality collateral to secure the loan, ensuring minimal risk for both parties.
- Eligible collateral includes non-retirement, marketable securities. Chase Bank assigns values to these securities and may adjust their eligibility as collateral without notice.
- Schwab posts cash collateral equal to the full market value of the securities on loan, ensuring protection in case of Schwab’s failure
- Loans are secured with high-quality collateral, and Northern Trust actively manages collateral to optimize returns while mitigating risk
- Non-retirement investment assets, including stocks, bonds, mutual funds, and ETFs.
650+
Beyond credit score, Chase Bank evaluates the applicant’s overall creditworthiness, including income, assets, and existing debt obligations.
Beyond credit score, Chase Bank evaluates the applicant’s overall creditworthiness, including income, assets, and existing debt obligations.
N/A
N/A
This program offers financing based on stocks, bonds, treasuries, and other securities, with flexible terms and no credit requirements.
Stocks, Bonds, Treasuries and Other Securities
N/A
N/A
N/A
- Need most recent securities statement
- Picture ID (Driver’s LLC)
- $75,000 minimum in Stocks
- $60,000 minimum in Bonds and Treasury
- Up to 90% of value
- Cannot be retirement accounts
- No defaults on any government debt including student loans, or a recent bankruptcy or foreclosure within the past 3 years.
- Securities remain in your name
- Need to be publicly traded companies
- Needs to be 100% vested
A financing strategy where a third-party lender pays the premiums on a large life insurance policy, typically for high-net-worth individuals.
Yes. Typically includes:Cash value of the policy Additional collateral (e.g., marketable securities) if needed
Typically 700+ FICO
- Minimum net worth (usually $2M+)
- Large life insurance policy (often $1M+)
- Insurable interest
- Minimum net worth (usually $2M+)
- Large life insurance policy (often $1M+)
- Insurable interest
N/A
N/A
Hypothecation is a financing arrangement where a borrower pledges an asset (e.g., securities, receivables, or inventory) as collateral to secure a loan, while retaining ownership and use of the asset. Common in margin lending, trade finance, and business loans.
Yes — typically real estate, securities, inventory, or receivables
Fair to Good credit (minimum FICO 600+, better terms with 700+)
Valid collateral, business plan (if business-related), identity proof, and financials.
Valid collateral, business plan (if business-related), identity proof, and financials.
N/A
N/A
Crypto Financing allows individuals or institutional investors to access liquidity by using cryptocurrencies as collateral. This type of loan is designed for those who wish to leverage their cryptocurrency holdings without the need to sell them. By offering crypto-backed loans, clients can retain their crypto assets while gaining access to immediate funds for other investment opportunities, debt repayment, or other personal or business needs.
- Accepted collateral includes various cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and others. Each has its own LTV ratio.
- Accepted collateral includes Bitcoin (BTC), Ethereum (ETH), and Solana (SOL). Each cryptocurrency has its own LTV thresholds and margin call limits.
- Accepted collateral includes mainstream cryptocurrencies like Bitcoin, Ethereum, Litecoin, and Cardano. The specific cryptocurrencies accepted can vary by lender
- Loans require BTC or ETH as collateral, with a loan-to-value (LTV) ratio of 50%.
- Typically not required as loans are secured by the value of the cryptocurrency being pledged.
- However, lenders may assess overall financial health (income, other assets, or existing debts) as part of the application process, especially for larger loan amounts.
- Must be at least 18 years old (varies by jurisdiction).
- Must be a U.S. citizen or permanent resident, or reside in a jurisdiction where crypto-backed loans are legally offered.
- A crypto wallet is required to pledge as collateral.
- Some lenders may require a minimum crypto holding (e.g., 1 BTC or 10 ETH) to be eligible for larger loans.
- Must be at least 18 years old (varies by jurisdiction).
- Must be a U.S. citizen or permanent resident, or reside in a jurisdiction where crypto-backed loans are legally offered.
- A crypto wallet is required to pledge as collateral.
- Some lenders may require a minimum crypto holding (e.g., 1 BTC or 10 ETH) to be eligible for larger loans.
N/A
A CD-Backed Loan (Certificate of Deposit-Backed Loan) is a type of secured loan where a borrower pledges a Certificate of Deposit (CD) as collateral in exchange for a loan from a financial institution. The borrower can access funds without cashing in their CD, and the CD continues to earn interest while serving as collateral. This type of loan is often used by individuals or businesses who wish to unlock liquidity from their CDs without losing the interest income.
None
A minimum 600-650 credit score is often required
- Certificate of Deposit: You must have a CD in your name that is held by the bank or lender offering the loan. The CD should be in good standing (not past maturity) and preferably have a relatively long maturity period.
- Bank Account: The CD is typically required to be held with the same institution that is issuing the loan.
- Proof of Identity: Lenders will ask for a government-issued ID (e.g., driver’s license, passport) to verify your identity.
- Proof of Address: You may need to provide proof of your current address (e.g., utility bill, lease agreement).
- Minimum CD Value: Lenders often have a minimum CD value required for the loan to qualify, typically around $1,000 to $5,000.
- No Pending Liens or Legal Actions: Your CD should be free of any legal claims or liens, as this could disqualify you from using it as collateral.
- No Early Withdrawal: The CD must be active (i.e., it should not have been cashed or withdrawn prematurely).
- Repayment Capacity: Some lenders may evaluate your repayment capacity (even if it’s not a major criterion) to ensure you can meet the monthly loan payments.
- Certificate of Deposit: You must have a CD in your name that is held by the bank or lender offering the loan. The CD should be in good standing (not past maturity) and preferably have a relatively long maturity period.
- Bank Account: The CD is typically required to be held with the same institution that is issuing the loan.
- Proof of Identity: Lenders will ask for a government-issued ID (e.g., driver’s license, passport) to verify your identity.
- Proof of Address: You may need to provide proof of your current address (e.g., utility bill, lease agreement).
- Minimum CD Value: Lenders often have a minimum CD value required for the loan to qualify, typically around $1,000 to $5,000.
- No Pending Liens or Legal Actions: Your CD should be free of any legal claims or liens, as this could disqualify you from using it as collateral.
- No Early Withdrawal: The CD must be active (i.e., it should not have been cashed or withdrawn prematurely).
- Repayment Capacity: Some lenders may evaluate your repayment capacity (even if it’s not a major criterion) to ensure you can meet the monthly loan payments.
N/A
N/A
This program offers loan approvals of up to $10 million, with terms ranging from 1 to 5 years, and monthly payments available. The loan is based on consistent business revenue, verifiable through business bank statements.
Consistent revenue verifiable through business bank statements
Personal credit score 650+
N/A
N/A
Application, 6 months business bank statements
Time in Business – 1 year or greater $25,000 or higher deposited monthly in your business bank account
Small Business Investment Companies (SBICs) are privately-owned, government-regulated investment firms that provide funding to small businesses through equity capital and debt financing. SBICs are licensed by the U.S. Small Business Administration (SBA) and are designed to help small businesses that may not have access to traditional funding sources. The SBA guarantees a portion of the funds invested by SBICs, reducing the risk for investors and making it easier for small businesses to obtain necessary capital.
Business assets (e.g., real estate, equipment) or personal guarantees for debt financing. For equity investments, ownership stakes or future business profits act as the primary collateral.
680+
N/A
N/A
N/A
N/A
Fund Today, Grow Tomorrow—Our 4-Step Process
Simple steps to pre-qualification, lender matching, funding, and long-term credit building.
Online
Fast
CEO Boost Program
Boost Program
What Our Clients Say About Credit Absolute
We’ve helped thousands secure funding and build lasting credit.
Latest Insights and Tips
Stay ahead with curated insights and practical tips to help you grow, adapt, and succeed.
.avif)
We use soft pulls that never affect your personal credit so you can explore options completely risk-free.
Get matched and funded with lenders who move at your pace—no weeks-long waits, no hidden delays.
From startup seed rounds to enterprise expansion, access the right funding exactly when you need it.
Frequently Asked Questions
Get quick answers to common questions about how we work, what we offer, and how we help you achieve real results.
Just like how consumer credit is linked to your SSN, your business credit is linked to your EIN. This means when applying for business credit, it's usually not required to include your SSN. Once you properly establish your business entity and Fundability Foundation™, you start off building your business credit profile with smaller vendor accounts. As your business pays those retailers you will then qualify for revolving store credit cards, and then cash credit you can use anywhere, just like a normal personal credit card. Keep in mind that because of federal regulation you will still need to supply a SSN for identity verification purposes. Also providing a personal guarantee can open up even more financing options.
The Business Boost Program is an online platform specifically engineered to walk you through a customized step-by-step process on how to build your business credit - from start to finish. In other words, this program is tailored to YOUR specific situation, which makes your process to getting funds very simple and intuitive. As you go through the program, you'll be able to know in real-time, which lending and credit sources you're pre-qualified or pre-approved for so you have the confidence that you'll be approved before you even apply! In addition, you'll have concierge service from our business credit advisers and finance officers to assist you at any given stage. Between our revolutionary online platform and our LIVE expert team at your fingertips, you're guaranteed to get results - as long as you actually use the program.
You can qualify for real usable vendor credit immediately. You’ll then start to qualify for store credit within 60-90 days that doesn’t require a personal credit check or personal guarantee. Within 6 months you should have access to $50,000 in real usable credit, including Visa and MasterCard accounts. You can then continue to build $100,000-$250,000 or higher in business credit within a year to two. And with our Business Boost Program you (and your clients*) can also gain access to other cash funding programs within a couple of months or less. * Applies if you’re a partner with us to offer our services to others.
It's true that between all of our free guides, articles, videos and seminars, you have enough knowledge to go get business credit all on your own. It's also true that we don't hold anything back in our sharing of knowledge because at the core of our company, we want to help as many business owners (and those aspiring-to-be) as possible to have a n equal opportunity to succeed and thrive. With that being said, there still are services you will have to pay for such as 411 listings, business credit monitoring, and a business credit builder so that you're reporting to the right agencies (costing over $3000), not to mention, you'll still have to go out and find vendors and lenders. There are also lots of limitations going this way. The difference with us is that we have already established countless partnerships and affiliations, which allows us to fully leverage the power of our entire company and client-base for each individual client. Essentially, you get to leverage our company for your benefit. Since we do multi-millions of dollars in deals, our sources give us the highest limits, lowest rates, and longest terms. And due to our established credibility in the business credit and financing industry, it's easy for us to expand and constantly add even more funding sources and options, which YOU benefit from. That’s how we have the largest supply of vendors and credit issuers than anywhere else. In short, if you were to try and get business credit and financing on your own or somewhere else, you'll pay MUCH more than what we ask, and it would take a lot longer. We have this entire process dialed in so that you can get the most amount of funds, in the shortest amount of time, and at the lowest rates possible. For those who are interested, you can also earn an income offering our business credit and financing services to others.
A business having its own credit is as real as an individual having their own credit. If you have any questions or concerns with the legitimacy of business credit, check out this link to see what SBA, Experian, Inc, NASDAQ, and other industry leaders have to say. We have 0 lifetime complaints with the BBB and all other entities, and the few other companies that offer business credit have MANY complaints. Feel free to see our "A" BBB rating, Trust Pilot reviews, actual results & approvals, testimonials, and more by clicking here.
If you're ready to get started with our program, you can check out our package options here. You can also watch our business credit video here. If you want to speak with a Live Consultant to answer any questions you may have you can schedule an appointment here or call (480) 602-0777. If you have a simple question, you can also send a private message to our Facebook Fan Page here and we’ll usually answer you within 1 business day.
Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you setup basic utilities. From that point most credit you apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application. Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee. Every highly-successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it…if you follow the right steps.
The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards, before you apply. Next you get real useable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies. Within 60 days or less that credit is reported to Experian, Equifax, or Dun & Bradstreet. Once reported, your EIN will then have an established credit report and score. Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval. You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.
This is the only system in the world which successfully combines both business credit building and funding. Fundability is also the only system that shows business owners how to get free access to Experian Smart Business, and we help you get your D-U-N-S number with D&B, This alone saves you thousands. The Business Boost Program has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system on the market today. And the Business Boost Program is the only system with one-click access to business credibility sources, underwriting guidelines provided for all business credit sources, and by far is the most advanced business credit building technology available today.
Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the Business Boost Program by building their business credit. If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with business credit. Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue. And we have revenue-based funding programs where if a business owner can prove through bank statements that they have consistent revenue, they can be approved with a credit score as low as 500.
There is no formal process of fixing business credit as there is no FCRA or FACTA laws that deal with business credit reporting. Still, our advisors will help business owners dispute any discrepancies on their business report as part of the program, and they'll have access to a section where they can go through the business credit dispute process. We even have a step dedicated to fixing errors on business credit reports as part of the finance suite. But the main function of the finance suite is to help you and your customers build business credit, as well as get money.
Yes, with business credit and funding you can charge upfront. There is no regulation that prohibits this. It is actually very common in the funding space for companies to charge upfront. This is one benefit our clients love about business credit, you they can make thousands of dollars right away, legally, while providing great value to your clients.
About 2 minutes. Complete our simple form and instantly view the 50+ programs you qualify for.
From SBA loans and startup financing to lines of credit, equipment financing, alternative and secured loans—every stage is covered.
You need 6+ months in business, basic financials, and no bankruptcies in the last 2 years. We’ll show you exactly what you need.
Never. We disclose all fees up front so you can choose the best solution without surprises.
Yes! Startups are eligible for specific funding programs, even if you haven’t been in business long. While options may be more limited compared to established businesses, we work with lenders that specialize in helping new businesses get the capital they need to launch and grow.
It depends on several factors — including your revenue, time in business, industry, and credit profile. Some businesses qualify for as little as $5,000, while others may receive offers up to $500,000 or more. Once we review your application, we’ll let you know exactly what’s available.
Not always! While some lenders have credit score minimums, others focus more on your business’s cash flow and overall health. Many programs are available for business owners with challenged or average credit — and we’ll help you find the right fit based on your full profile.
Absolutely. Once your application is reviewed, a Business Loan Specialist will walk you through the options that make the most sense for your situation. You’ll never be left guessing — we’ll explain the terms, costs, and steps in simple language so you can decide confidently.
In most cases, yes. Business funding can be used for working capital, payroll, marketing, equipment, renovations, inventory, expansion — whatever your business needs to grow. Some loan types may have specific guidelines, but we’ll always let you know up front.
We’re not a one-size-fits-all lender. Our goal is to give business owners access to diverse, flexible, and realistic funding solutions — whether you're just getting started or scaling to the next level. With personalized support, fast approvals, and zero pressure, we’re here to help you succeed on your terms.
Take the First Step — Risk-Free
In just a few minutes, you'll know exactly where you stand — and how we can help you move forward.