Business funding
Fund the business without wrecking your credit.
Startups and established companies qualify with different lenders. Tell us your plan, and we'll match you with lenders suited to your plan and profile.
Funding options we help with
- Unsecured business lines of creditRevolving capital for payroll, inventory, and the gap between invoices.
- Term loansA set amount, a set term, and a payment you can plan around.
- Equipment financingFinance or lease the machine or vehicle instead of draining operating cash.
- SBA loansLower cost and longer terms — worth it when your timeline allows.
- Startup fundingOptions exist before year two. Combined approvals commonly reach about $500,000.
- Working capitalWe'll only suggest a cash advance if speed matters more than cost — and you still want it.
Fees
No upfront fee. We're paid a success fee — typically 10–12% of the amount funded — only when you're funded.
Stronger requests usually have
- A registered business entity and EIN
- A business bank account
- A professional email and website
- Personal credit of 680 or higher for unsecured funding
- Bookkeeping that explains last year
Who it's for
Startups and established companies
Business owners who need capital for payroll, inventory, equipment, or growth, and founders who are still before year two. Startups and established companies qualify with different lenders, so the first step is figuring out which group you're in and which products fit.
If the business doesn't have its own credit yet, many first businesses are funded on the owner's credit. See personal funding for that path. Buying, building, or refinancing property? See real estate funding.
How it works
- 01 · Funding questionnaireWhat the money is for, how much, and how soon. About two minutes, no hard inquiry.
- 02 · iSoftPull readiness checkWith your okay, a soft credit check that shows where you stand, with no score impact.
- 03 · Lender matchWe match you with lenders suited to your profile and guide you through every document and offer.
- 04 · FundingA hard inquiry happens only after you accept a specific offer from a lender.
Business funding questions
What owners ask first.
Rather talk it through? Book a free call or call (877) 356-8006.
Will checking my options hurt my credit?
No. The questionnaire asks no credit questions, and the iSoftPull readiness check is a soft credit check that does not affect your score. A hard inquiry happens only after you accept a specific offer.
What should I have ready?
A registered business entity and EIN, a business bank account, a professional email and website, and bookkeeping that explains last year. For unsecured funding, lenders usually look for personal credit of 680 or higher.
What are the rates?
Rates are set by the lender and depend on the product, your credit, time in business, and revenue. We aim for the lowest-cost product you can actually close, and we only suggest a cash advance if you decide speed is worth the cost.
I've been declined before. Can you still help?
Usually, yes. A decline most often means the application went to the wrong lender, or too early. Your readiness check shows exactly what needs to change, and that advice is free.
What does it cost?
No upfront fee. We're paid a success fee only when you're funded, and every fee is disclosed in writing before you start.
Find out what you qualify for.
Answer a few questions — about two minutes, and it won't touch your score.