Term loans, lines of credit, same-day working capital, SBA 7(a), equipment financing and no-doc small commercial real estate loans. Prequalify in minutes with no impact to your credit, then compare offers side by side.
Tap a program to jump to its details, or start the quick application now. One short application lets you see the programs you qualify for.
| Program | Amount | Rates from | Terms | Min. credit | Speed | Time in business | |
|---|---|---|---|---|---|---|---|
| Business Term LoansFixed-rate, non-SBA, no prepay penalty | $25K – $200K | Competitive fixed | Up to 10 years | 650 | As fast as 2 weeks | 2+ years | Apply Now |
| Business Lines of CreditRevolving, pay only for what you use | $1K – $500K+ | 1.00% / month | Up to 36 months | No minimum | Same-day funding | 6+ months | Apply Now |
| Fast CapitalWorking capital & cash advances | $1K – $500K+ | Industry-low rates & factors | 3 months – 12 years | No minimum | Same-day funding | 6+ months | Apply Now |
| SBA 7(a) & Working CapitalPreferred SBA lending, up to 100% LTV | $25K – $5MM | WSJ Prime + 0.75% | 5 – 25 years | 650 (700+ preferred) | As fast as 2 weeks | None (startups considered) | Apply Now |
| Equipment FinancingNew & used, up to 100% financing | $30K – $5MM | 8.5% | Up to 84 months | No set minimum | Same-day funding | Most industries | Apply Now |
| Small Commercial Real EstateNo & low documentation | $50K – $1MM | Prime + 2% | 5-yr term, 25-yr amortization | 690 | Funds in under 2 weeks | N/A (investors welcome) | Apply Now |
Rates, terms and amounts are starting points and depend on credit, time in business, revenue and collateral. All financing is subject to approval.
Fixed-rate, long-term, low-documentation business financing. Not an SBA loan and not a merchant cash advance: a flexible, conventional business loan with an affordable rate, a long term and no prepayment penalty.
Ideal if you don't qualify for SBA financing or want a faster, simpler process.
Refinance high-cost debt or up to 2 merchant cash advances into one affordable monthly payment.
Expand, lower monthly payments, add working capital, buy inventory or equipment.
Ready to see your term loan options? Questions? Call Mike at (210) 702-8811
Apply Now →Flexible, revolving capital for expansion, emergencies or unexpected expenses. It works like a credit card, usually with a higher limit and a lower rate, and you pay interest and fees only on the funds you use.
Establishing a line costs nothing if approved. You pay only for what you draw.
Pay it down any time without penalties and reuse it for any business need.
Approved owners can compare multiple credit line offers in one place.
Open a line you can draw on any time. Questions? Call Mike at (210) 702-8811
Apply Now →Expedited, low-documentation working capital loans and merchant cash advances for any business need. One application lets you compare multiple offers, and borrowers turned down elsewhere for credit or other reasons can still be considered.
Low credit or other financing barriers don't automatically rule you out.
Customized daily, weekly or monthly payment options.
Application-only, light-documentation underwriting options.
Need capital this week? Questions? Call Mike at (210) 702-8811
Apply Now →Premium capital for emerging and expanding businesses. Preferred SBA 7(a) financing up to $5 million to buy or start a business, buy, renovate or build commercial real estate, consolidate debt and more. Streamlined-documentation SBA working capital loans up to $350,000 can close in as little as 2 weeks.
Acquisitions, startups and franchises. Startups are considered with strong collateral, experience and 700+ credit.
Low down payment options, with no-hard-collateral options available.
Expedited closing and streamlined underwriting on smaller SBA loans.
See if you prequalify for SBA financing. Questions? Call Mike at (210) 702-8811
Apply Now →Access the nation's top equipment lenders and flexible programs for most industries and credit profiles. Buy new or used equipment from a dealer, vendor or private seller, with approvals in hours and funding as soon as the same day.
Dealer, vendor or private-party purchases are all eligible.
Streamlined, low-documentation underwriting.
Custom repayment and prepayment structures built around your business.
Get the equipment you need now. Questions? Call Mike at (210) 702-8811
Apply Now →No- and low-documentation commercial real estate loans nationwide for business owners and property investors. No income verification, tax returns or financials required. Pull unrestricted cash out of a property you own, or buy an opportunistic property quickly without draining your reserves.
A 1-page application. Bank statements and a PFS are needed only above $500K.
Commercial, raw land and residential investment property, including short-term rentals. Rural property considered.
No occupancy, cash-flow or debt-service requirement, and usually no third-party appraisal.
Unlock cash from your commercial property. Questions? Call Mike at (210) 702-8811
Apply Now →Complete the quick application. Prequalifying doesn't affect your credit.
See the programs you qualify for side by side. We'll help you pick the right fit.
Lines of credit, fast capital and equipment can fund the same day. Term and SBA loans can fund in as little as 2 weeks.
No. You can prequalify in minutes with no impact to your credit score.
Lines of credit, fast capital and equipment financing can be approved in a few hours with same-day funding. Term loans and SBA working capital loans can fund in as little as 2 weeks.
Lines of credit, fast capital and equipment financing have no set credit score minimum. Term loans and SBA loans start at 650, and small commercial real estate loans require 690. Credit under 600? See our bad credit programs.
Yes. Fast capital and lines of credit use bank statements, equipment financing is application-only up to $350,000, and the small commercial real estate program requires no income verification, tax returns or financials in most cases.
Yes. Business term loans can refinance high-cost debt, including up to 2 merchant cash advances, into one fixed monthly payment.
SBA 7(a) loans have no minimum time in business, and startups are considered with strong collateral, industry experience and 700+ personal credit.
Yes. Check if you pre-qualify for business credit cards with 0% introductory APR.
Business lines of credit and fast capital are usually the easiest to qualify for: no credit score minimum, 6+ months in business and $14K+ in monthly revenue, with approvals in hours.
From $1,000 on lines of credit and fast capital up to $5 million on SBA 7(a) loans and equipment financing. The amount depends on revenue, time in business, credit and collateral.
Yes. Lines of credit and fast capital have no credit score minimum and are approved mainly on your bank deposits and revenue.
Michael Gaukroger · Private Banker & Structured Finance Capital Advisory, Win-Win Capital Funding, LLC
Business financing programs are provided through our network of lending partners. All financing is subject to credit approval and qualification; terms, conditions, fees and closing costs may apply and are subject to change without notice. Rates and amounts shown are starting points and are not a commitment to lend.
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