How these loans actually work
The file is your bank statements. The lenders we place these with read your recent months of deposits and size the loan on what the business actually brings in, not on collateral or a long underwrite. That is what makes this the fastest product we work with: a complete file gets an answer within 48 hours, and funding can land in as little as 24 hours after signing.
Repayment is a fixed amount drafted automatically on a schedule set before you sign. Nothing moves with your sales, and nothing changes without you knowing. Terms run shorter than a bank loan, months rather than years, so the total cost stays visible and the debt does not outlive the reason you took it.
The trade-off is price. Speed and light paperwork cost more than an SBA file or a bank term loan. Our job is to tell you honestly when this is the right tool, and when a slower, cheaper product will serve you better.
At a glance
- Amount
- $5K – $500K
- Funded in
- As fast as 24 hours
- Term
- 3 – 18 months
Common uses: Equipment · Inventory & payroll · Seasonal demand
Ranges are typical for this product type and are not an offer of credit — your options depend on your business profile.
What businesses use small business loans for
Equipment and vehicles
A machine that starts earning the week it arrives does not need a five-year loan behind it. Owners use these to buy equipment outright and keep the title clean from day one.
Inventory and payroll
Stocking up ahead of a busy season, carrying payroll through a slow one, or taking a supplier discount that expires Friday.
Openings that will not wait
A second location, a marketing push, a contract that needs cash up front before you can accept it.
Where it's strong — and what to weigh
No product suits every business. If this one doesn't fit yours, an advisor will say so and point at what does.
Where it's strong
- The fastest product we place: answers in 48 hours, funding in as little as 24
- Qualifies on your revenue, not on collateral
- A fixed payment that never changes mid-term
- One loan covers what separate products split up: equipment, inventory, working capital
Worth weighing
- Costs more than an SBA loan or a bank term loan. You are paying for speed
- Shorter terms mean a larger payment. Make sure the deposits carry it
- Built for needs that pay back quickly. A long-payback investment belongs in a longer product
- Wants steady revenue: about six months of consistent deposits into a business bank account
- 1+year in business
- We fund established businesses with consistent revenue.
- 50states
- Available to businesses across the United States.
- 48hours
- A real first answer, not an acknowledgement.
- 1advisor
- The same person from your first conversation through funding.
Small Business Loans: common questions
What business owners ask us most about it. See all questions.
How fast is funding, really?
A complete file, meaning the application plus recent bank statements, usually gets an answer within 48 hours. Once you sign, funds commonly land within 24 to 72 hours. The statements are what move it: send them early and the whole thing is quick.
What can I use it for?
Almost anything the business needs: equipment, inventory, payroll, marketing, a buildout. Unlike equipment financing, the loan is not tied to the thing you buy, so one loan can cover a machine and the inventory to run it.
How do payments work?
A fixed amount, drafted automatically from your business account on the schedule in your agreement. Depending on the lender that can be daily, weekly, or monthly. It is set before you sign and it does not change mid-term.
Do I need collateral or perfect credit?
No collateral. The lenders we work with decide mostly on your revenue: about six months of consistent deposits into a business bank account is the usual bar. Credit is part of the picture, rarely the deciding factor.
Find out where your business stands.
Six quick questions, no effect on your credit, and a real answer from an advisor within 48 hours.
