Funding Programs

Account Receivable Financing


Description: This program provides advances on account receivables, allowing businesses to access cash before customers pay their invoices, with no application fees and flexible terms.


Loan/ Line Amounts: Up to $20 million

Term: Variable

Rates: Interest rates under 2%

Collateral Required: Account Receivables

Credit Requirements: Poor credit accepted


Requirements:


  • 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.


Book of Business Financing – Insurance Business


Description: This program offers financing for insurance businesses based on their book of business, including options for acquisition, working capital, or business debt restructuring.

Loan/ Line Amounts: $50,000-$50 million

Term: Up to 12 years

Rated: Variable

Collateral Required: Book of Business Report – Rolling 12 month breakdown commission by carrier

Credit Requirements: none

Details:

  • For acquisition, working capital or business debt restructure
  • Commission based loans
  • Interest-only options

Deal Submission Requirements:

  • Application
  • Personal Financial Statement
  • Book of Business Report
  • Year to Date Profit and Loss
  • Most recent balance sheet
  • 2 years of corporate tax returns


Business Lines of Credit


Description: 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.

Loan/ Line Amounts: $100,000

Terms: 6-12 months

Rates: 10% – 38%

Collateral Required: none

Credit Requirements: 660+


Requirements:


  • 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.


Business Revenue Lending


Description: 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.

Loan/ Line Amounts: $10,000 – $10 Million

Term: 6-36 months

Rates: Factor rate of 1.15 – 1.45%


Collateral Required: Consistent revenue verifiable through business bank statements


Credit Requirements: Personal credit score 500+, no recent bankruptcies


Details:


  • 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 


Deal Submission Requirements: Application, 6 months business bank statements


CD-Backed Loan


Description: 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.

Loan/ Line Amounts: Typically up to 100% of the CD value

Terms: 1 to 5 years

Rates: 2% to 6%


Collateral Required: none


Credit Requirements: A minimum 600-650 credit score is often required


Requirements:


  • 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.


Commercial Truck Loans


Description: 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.

Loan/ Line Amounts: $10,000 to $1,000,000

Terms: 24 to 60 months

Rates: 6.19% – 8.25%


Collateral Required: QuickBridge offers both secured and unsecured loans; the requirement for collateral depends on the loan product and applicant qualifications.


Credit Requirements: 600 – 675


Requirements:

  • 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.


Credit Line Hybrid/Business Credit Cards


Description: 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.

Line Amounts: $10,000-$150,000

Term: Revolving credit cards

Rates: 0% APR typically for 6-18 months, after that 5-29% APR, 9.9% success rate fee paid after funded


Collateral Required: Strong personal credit


Credit Requirements:


  • 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


Deal Submission Requirements: Credit Line Hybrid application for soft pull or 3 bureau personal credit report.


Credit Union and Bank Signature Loans


Description: 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.


Loan/ Line Amounts : $1,000 – $50,000

Terms: 1 – 5 years

Rates: 6.50% – 24.99%

Collateral Required: none (unsecured loan)

Credit Requirements: 600+


Requirements: 


  • 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.


Crypto Financing


Description: 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.

Loan/ Line Amounts: $50 to $2 million

Terms: 1 week to 2 years

Rates: 0% to 13.9%


Collateral Required:


  • 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%.


Credit Requirements: 


  • 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.


Requirements:


  • 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.


Customer List Monetization Loans


Description: 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.

Loan/ Line Amounts: $10,000 to $20 million

Terms: 3 years+

Rates: 5-10%

Collateral Required: none

Credit Requirements: 650+


DSCR Loans


Description: 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.

Loan/ Line Amounts: $75,000 – $5,000,000

Terms: 12 months – 30 years

Rates: 6.75% – 12.99%

Collateral Required: Investment property or real estate

Credit Requirements: Minimum 600 credit score


Equipment Financing


Description: This program offers financing for purchasing equipment, with loan amounts up to $5 million and flexible terms, including special conditions for long haul trucking.

Loan/ Line Amounts: Up to $5 million

Term: 24-72 months

Rates: 6.25% – 25%

Collateral Required: Equipment purchased

Credit Requirements: Personal credit score 500+


Details:

  • Time in Business – 2 years or greater
  • Long Haul trucking : Need 2 units in fleet if been in business 2 years or greater


Equipment Leasing


Description: 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.

Loan/ Line Amounts: $1,000 – $250,000

Terms: 12 months – 5 years

Rates: 5% – 22%

Collateral Required: Equipment being leased

Credit Requirements: Minimum 600+ personal credit score


Requirements: 


  • 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


Equipment Line of Credit


Description: 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.

Loan/ Line Amounts: $10,000 to $100 million+

Terms: up to 3 years

Rates: 0.50% – 9%


Collateral Required:


  • 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.

Credit Requirements: 650 – 700


Requirements: 


  • 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.


Equipment Loans


Description: 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.

Loan/ Line Amounts: up to $2,500,000

Terms: 6 months to 5

Rates: 4%-12%

Collateral Required: The equipment being financed typically serves as collateral.

Credit Requirements: 600-640

Requirements: none


Fix and Flip Financing


Brief description: 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.

Loan/ Line Amounts: $75,000 – $5,000,000

Terms: 12 months – 24 months

Rates: 7% – 12.99% 

Collateral Required: Property being flipped (Real Estate)

Credit Requirements: Minimum 600+ credit score


Requirements: 

  • 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)


Franchise Funding


Description: 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

Loan/ Line Amounts: $50,000 – $5 million

Terms: 5 to 10 years

Rates: 6% – 12%

Collateral Required: none

Credit Requirements: 600-690


Requirements: 

  • 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


Government Contract Financing


Description: 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.

Loan/ Line Amounts: $250,000 to $5 million

Terms: 6 months to 3 years

Rates: 6% to 15%


Collateral Required: 

  • 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.


Credit Requirements: 650+

Requirements: Live Oak Bank assesses the financial condition of the borrower and any proposed guarantors during the underwriting process.


Intangible Asset Financing


Description: 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.

Loan/ Line Amounts: $2,500 to $5,000,000

Terms: 1 to 24 months

Rates: 8% – 20%


Collateral Required: 


  • Loans are secured by luxury assets, including fine art, classic cars, jewelry, watches, and other collectibles. 
  •  BORRO.COMIntangible 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.

Credit Requirements: 650+

Requirements: 

  • 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.


Inventory Financing



Description: 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.

Loan/ Line Amounts: up to $400,000

Terms: 6 or 48 months

Rates: 5% – 20%

Collateral Required:

  • 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

Credit Requirements: 550- 625

Requirements: 

  • 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.

Invoice Factoring

Description: 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.

Loan/ Line Amounts: $20,000 to $5M

Terms: 1 to 24 weeks

Rates: 1%-4%

Collateral Required:

  • 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.

Credit Requirements: NA

Requirements: none

IP-Backed Loans

Description: 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.

Loan/ Line Amounts : $1,000,000 to $50,000,000

Terms 3 to 10 years

Rates: 8% -15%

Collateral Required: 

  • 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

Credit Requirements: 650+

Requirements: Detailed credit histories and financial statements may be required to assess the borrower’s financial health.

Leasehold Financing

Description: 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.

Loan/ Line Amounts: up to $2,000,000

Terms: 5 to 30 years

Rates: 5% – 15%

Collateral Required: 

  • 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.

Credit Requirements: 650

Requirements: 

  • 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

License-Backed Business Loans

Description: 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.

Loan/ Line Amounts: $20,000 to $10 million

Terms: up to 25 years

Rates: 8% – 20%

Collateral Required: 

  • 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.

Credit Requirements: 650+

Line of Credit

Description: 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.

Loan/ Line Amounts: Credit lines up to $750,000

Term: Revolving credit

Rates: Simple interest

Collateral Required: Consistent revenue verifiable through business bank statements

Credit Requirements: Personal credit score 600+

Details:

  • Time in business – 1 year or greater
  • $25,000 or higher deposited monthly in your business bank account
  • Only pay on amount drawn

Deal Submission Requirements: Application, 6 months business bank statements

Merchant Cash Advances

Description: 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.

Loan/ Line Amounts: 5K-5M

Terms: 3-36 months

Rates: 1.09 to 1.55

Collateral Required: none

Credit Requirements: Any credit

Microloans

Description: Microloans offer small loans to individuals or businesses, often aimed at helping startups, small businesses, or personal financial needs.

Loan/ Line Amounts: $25 – $150,000

Term: 6 – 60 months, 0% – 39%

Rated: 0% – 39%

Collateral Required: none

Credit Requirements: 550 to 800

Requirements:

  • 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.

P2P Financing

Description: 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.

Loan/ Line Amounts: $2,000 to $50,000

Terms: 1 to 5 years

Rates: 8.99% to 35.99%

Collateral Required: Collateral is required for loans over $100,000; loans under $100,000 require a personal guarantee. 

 INVESTORMINT.COM

Credit Requirements: 600-640

Requirements: 

  • 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. 

HTTPS://HELP.PROSPER.COM

Patent Financing

Description: 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.

Loan/ Line Amounts: $2 million to $60 million

Terms: 3 to 10 years

Rates: 9-12%

Collateral Required: The primary collateral comprises the company’s patents.

Credit Requirements: 650+

PayPal, Square, Stripe

Description: 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.

Loan/ Line Amounts: $49- $150,000

Terms: none

Rates: 5%-15%

Collateral Required: none

Credit Requirements: 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.

Requirements: 

  • 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.

Personal Loans

Description: 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.

Loan/ Line Amounts: $3500 – $500,000

Term: 6 months – 84 months, 3% – 35.99%

Rated: 0.01% – 35.99%

Collateral Required: none

Credit Requirements: 510 to 690850

Requirements: 

  • 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.

Personal loans Sub Prime

Description: 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.

Loan/ Line Amounts: $500 – $25,000

Terms: 1 to 5 years

Rates: 24% – 36% (Can vary depending on the lender and the borrower’s creditworthiness)

Collateral Required: none

Credit Requirements: Minimum credit score of 500-640

Requirements: 

  • 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

Personal Loan Stacking

Description: 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.

Loan/ Line Amounts: $20,000 to $300,000

Terms: 1 to 5 years

Rates: 6% – 36%

Collateral Required: 

  • 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).

Credit Requirements: 680+

Requirements: 

  • 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.

Portfolio Loans

Description: 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.

Loan/ Line Amounts: $50,000 to $10 million

Terms: 12 months to 30 years

Rates: Typically 4% to 12%

Collateral Required: 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.

Credit Requirements: credit score of 620+

Purchase Order Financing

Description: This program provides financing based on existing purchase orders, with funds paid directly to the supplier to help businesses fulfill large orders.

Loan/ Line Amounts: Up to $20 million

Term: Variable

Rates: 2% – 5%

Collateral Required: Purchase Orders

Credit Requirements: None

Details:

  • $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

Deal Submission Requirements: Provide outstanding purchase orders needing filling

Real Estate

Description: 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.

Loan/ Line Amounts: $50,000-$10 million

Term: 12 months up to 30 years depending on program

Rates: 7.99% and up

Collateral Required: Commercial Real Estate

Credit Requirements: Personal credit score 650+

Details:

  • 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

Deal Submission Requirements:

  • Application
  • Real estate sheet
  • 3-6 months business bank statements
  • Personal financial statement

Retirement Account Financing

Description: 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.

Loan/ Line Amounts: Up to 100% of current retirement account value that’s “rollable”

Term: 5 years, if applicable

Rates: Prime + 2 and fees – $3500 to $5000

Collateral Required: 401K or IRA

Credit Requirements: None

Details for 401k:

  • No longer contributing and no longer employed by the issuing company
  • $35,000 minimum in the 401K account

Details for IRA:

  • $35,000 minimum in the IRA

Deal Submission Requirements:

  • For 401k most recent statement
  • For IRA most recent statement

Revenue Lending

Description: 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.

Loan/ Line Amounts: $5000 – $5 Million

Terms: 3-36 months

Rates: 1.09% – 1.55%

Collateral Required: none

Credit Requirements: 500+

ROBS

Description: 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.

Loan/ Line Amounts: $50,000 to $5 million

Terms: 5 to 10 years

Rates: 5% to 8%

Collateral Required: none

Credit Requirements: 650+

Sale-Leaseback Financing

Description: 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.

Loan/ Line Amounts: Equipment value of $400,00.00 or greater

Terms: 2 years – 6 years

Rates: 9% – 35%

Collateral Required: Titled equipment

Credit Requirements: Personal credit score 550+

Details:

  • 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

Deal Submission Requirements

  • Equipment invoice
  • Business bank statements with 6 months revenue to support equipment payment

SBA

Description: 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.

Loan/ Line Amounts: Up to $5 million

Term: 10 to 25 years

Rates: Prime + 1% – 2.75%

Collateral Required: Revenue from Business and Personal Financials

Credit Requirements: Personal credit score 650+

Details:

  • 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

Deal Submission Requirements

  • 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

SBA 504 Loans

Description: 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.

Loan/ Line Amounts Up to $5 million

Terms: 10, 20, or 25 years

Rates: 3% – 6% (fixed rates for 10-25 years)

Collateral Required: Real estate or equipment being financed, personal guarantee

Credit Requirements: Typically a 650+ credit score

SBA Acquisition Financing

Description: 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.

Loan/ Line Amounts: $1,000 to $15 million

Terms: 5 to 25 years

Rates: 6% – 8%

Collateral Required:

  • 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.

Credit Requirements: 650-680

Requirements: 

  • 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.

SBA Credit LInes

Description: 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

Terms: 12 months to 25 years

Rates: 7% – 10%

Collateral Required: 

  • 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

Credit Requirements: 680-700

Requirements:

  • 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

SBA Loans

Description: 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.

Loan/ Line Amounts: up to $5 million

Terms: 10 years to 25 years

Rates: 5% – 10%

Collateral Required: Loans over $350,000 generally require collateral.

Credit Requirements: 650+

Requirements: A strong personal and business credit history is crucial. Lenders assess credit reports to evaluate financial responsibility. 

 FASTCAPITAL360.COM

SBA Startup Loans

Description: 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

Loan/ Line Amounts Up to $5 million

Terms: 

  • Up to 25 years for real estate or equipment loans.
  • Up to 10 years for working capital or business expansion loans.

Rates: 6% to 9%

Collateral Required: 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

Credit Requirements: Personal credit score typically needs to be 680+

Securities

Description: This program offers financing based on stocks, bonds, treasuries, and other securities, with flexible terms and no credit requirements.

Loan/ Line Amounts: $50,000 and up

Term: Flexible

Rates: between 3-8%

Collateral Required: Stocks, Bonds, Treasuries and Other Securities

Credit Requirements: None

Details:

  • $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

Deal Submission Requirements:

  • Need most recent securities statement
  • Picture ID (Driver’s LLC)

Securities Financing

Description: 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.

Loan/ Line Amounts: $75,000 to $25 million, with advances starting at $2,500

Terms: Vary

Rates: 0.10% to 5%

Collateral Required: 

  • 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.

Credit Requirements: 650+

Requirements: Beyond credit score, Chase Bank evaluates the applicant’s overall creditworthiness, including income, assets, and existing debt obligations.


Small Business Investment Companies


Description: 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.

Loan/ Line Amounts $1 million to $10 million

Terms: 5 to 10 years

Rates: 7% to 14%


Collateral Required: 

  • 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


Credit Requirements: Credit score of 680+