Complete one simple application to compare business loan offers from our nationwide lender network. Review rates, terms, and funding timelines - then choose the offer that fits your business. Scotch Plains, NJ 07076.
Compare offers from 75+ lenders. No obligation. No hard pull.
Submit your application (2 min)
View matched lender offers
Select your offer and e-sign
Funds can be accessed as early as the same day!
No. Filling out this form triggers only a soft inquiry, which never affects your credit score. A hard inquiry only occurs if you choose to accept a specific lender offer and formally apply with that lender.
We work with lenders who serve all credit profiles, including businesses with challenged credit histories. You may see higher rates, but options are available. Our network includes lenders specializing in newer businesses and lower credit scores.
After accepting an offer and completing lender verification, funds are typically deposited within 1-3 business days. Some lenders offer same-day funding for qualifying businesses if you finalize the process early in the business day.
The initial form requires no documents. If you accept an offer, the lender will typically ask for business bank statements, tax returns, proof of business ownership, and government-issued ID. Requirements vary by lender and loan type.
Yes. Many lenders in our network work with businesses that have been operating for as little as 3 months. SBA microloans and certain alternative lenders specialize in startup financing. Indicate your time in business on the form for the best-matched offers.
Approaching a business loan involves thoughtful comparison rather than hasty decisions. Initiate with prequalification, assess terms and payment options, and scrutinize the lender's disclosures before final commitment.
Leverage a single application to review proposals from various lenders across the nation, then confirm your projected monthly payment with the loan payment estimator. Gather recent financial statements from your business to ensure the accuracy of your revenue and expense submissions.
Typically, lenders will need your business name, EIN, operational duration, annual revenue, and an active bank account associated with your business. Having recent bank statements and tax documents handy can expedite the funding process and minimize follow-up communication after prequalification.
Business loans are regulated by federal laws, including the Truth in Lending Disclosure (TIL) for select loan categories, as well as the Equal Credit Opportunity Regulations (ECOA), safeguarding against discrimination during the underwriting process. Additional safeguards come with SBA loans through the U.S. Small Business Services.
Prior to acceptance, assess the or factor rate, overall repayment amount, origination fees, funding timeline, and whether there are penalties for early payment. Verify lender credentials and file any concerns with the Consumer Financial Protection Bureau (CFPB) or your state's attorney general if lender disclosures are unclear.