Loan Qualification Guide
Small Business Loans
To secure business financing, lenders evaluate four key pillars: credibility, cash flow, credit, and collateral. Strengthening each one improves your chances of approval and unlocks access to better funding options.
Business Foundations
Build lender trust by establishing a professional presence, physical or virtual office, and a dedicated business bank account.
Financial Strength
Demonstrate healthy cash flow, maintain reserves, and set up a merchant account to improve your funding chances.
Credit Readiness
Strengthen both your personal and business credit profiles to unlock better financing options.
Secured Assets
Build your credit to secure larger credit lines and expand your business assets.
Credit Growth System
Tailored Funding Options
We evaluate your business strengths to deliver a custom funding assessment. Our expert advisors then connect you with the ideal lender to support your growth and success.
Hybrid Credit Lines
Access up to $150,000 in unsecured funding—no docs required and enjoy 0% intro rates.
Equipment Funding
Lease or finance the tools and machines your business needs—or tap into value from what you already own.
Revenue-Based Funding
Turn consistent revenue into capital—no collateral needed, just your business’s earning power.
Portfolio-Backed Credit
Leverage your stocks, bonds, mutual funds, or retirement assets to access flexible business funding.
Advance on Sales
Get fast access to capital with funding tied directly to your merchant account transactions.
SBA-Backed Loans
Enjoy competitive rates, longer terms, and larger loan amounts with Small Business Administration support.
CRE Financing Options
Invest in or refinance commercial property with flexible loan programs designed for business expansion.
Inventory-Based Loans
Use your current stock to unlock working capital—no need for new assets or guarantees.
MATCHED TO WIN
Discover Your Best Funding Fit
Tap into our expertise to connect with lenders who align with your business strengths. We don’t just help you secure funding now—we also guide you to build a stronger financial future.
SUPPORT FOR ALL
We Empower Every Type of Business
Fuel for Small Biz
A small business loan can transform your path—let’s secure the funding to help you thrive.
Grow with Confidence
Take the next leap with flexible financing tailored to your business growth goals.
Scale Up Smarter
Access the capital you need to expand—with higher limits, better rates, and longer terms.
Funding for Founders
Access up to $150K in unsecured financing—no income, assets, or collateral required. Get the boost your startup needs to launch strong.
Financing for Impact
Yes, nonprofits can get funding too. Discover how banks and lenders can support your mission-driven operations.
Franchise Funding Made Easy
Fuel your franchise’s growth with smart financing options tailored for franchise owners. Let’s find the right fit for your expansion.
Top Questions Answered
Frequently Asked Questions
Explore answers to your top business loan questions in our FAQ section—designed to guide your decisions and open doors to growth.
Can I still get a business loan with bad credit?
Absolutely. While having bad credit can limit your options or lead to higher rates, there are lenders who specialize in helping business owners with less-than-perfect credit. Alternative funding sources may be a great place to start.
How much can I qualify for?
Loan amounts vary depending on your credit profile, business revenue, time in operation, and the lender’s specific criteria. Some businesses qualify for a few thousand dollars, while others can secure six figures or more. It all comes down to your unique financial snapshot.
What kind of rates and fees should I expect?
Rates and fees differ by lender and loan type. You may encounter origination fees, processing charges, or prepayment penalties. Your credit score, revenue, and loan structure all play a role—so always read the fine print and understand your total repayment cost.
Do I need collateral for a business loan?
Not always. Secured loans may require assets like equipment or property, but many lenders offer unsecured options too—though they might come with slightly higher interest rates due to the added risk.
What types of business loans are out there?
You have options: term loans, lines of credit, merchant cash advances, invoice factoring, equipment financing, SBA loans, and more. Each serves a different purpose, so the best loan depends on what you’re trying to achieve.
How do lenders decide whether to approve me?
Lenders look at your credit, revenue, time in business, debt load, cash flow, and even your industry. A strong business plan and financial documentation can make a big difference in approval chances.
How can I increase my chances of approval?
Keep your financials clean and up-to-date, work on your credit score, maintain strong cash flow, and apply only for loans that align with your current financial position. Being prepared and choosing the right lender is half the battle.
Hear Directly From the Businesses We've Helped
I had no idea how many funding options were out there until I used the Suite—it completely transformed what’s possible for my business!
Cheryl Reisner
I got $50,000 in funding in just a few months—this system really works! I’m telling all my clients about the Business Finance Suite.
Brian Howard
Thanks to my new business credit profile, I can now secure funding entirely under my business—no SSN, no personal guarantee required!
Edward Araujo
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