2026 FUNDING WINDOW OPEN

Capital for businesses the banks missed.

Fifteen commercial lending structures, every rate range, every credit minimum, published in the open. Past bankruptcy, thin file, a bad year — there is almost always a product that underwrites around it.

Products Indexed

500

Lowest FICO Served

24hr

Fastest Funding

Qualification Engine

Two minutes. Soft review only — no hard credit pull.

The Product Matrix

Every business financing structure available in the U.S. market, with 2026 benchmark pricing. Prime sits near 7.5%; ranges below move with it.

01 / 15

commercial

SBA 7(a) Loan

Acquisition, debt refi, real estate

VIEW PRODUCT DEEP DIVE

Maximum Amount

$5.0M

Funding Speed

30–90 days

Minimum FICO

660–680+

Minimum Time

2 years

Cost

9.5%–11% APR (prime + 2.5–3%)

Best For

Acquisition, debt refi, real estate

Benchmarks compiled from published 2026 lender pricing. Indicative ranges, not offers.

Use the arrows, number rail, or keyboard arrow keys to compare products.

Product Deep Dives

One focused product at a time. Compare structure, underwriting, and the term most borrowers miss before moving to the next option.

01 / 15

commercial

SBA 7(a) Loan

Acquisition, debt refi, real estate

Maximum: $5.0M
Min. FICO: 660–680+
Funding: 30–90 days
Time in business: 2 years

The workhorse of federally guaranteed lending. The SBA guarantees 50–85% of the balance, so partner banks can lend to businesses that would fail a conventional credit box. Longest terms and lowest legal cost of capital available to a small business, in exchange for the heaviest paperwork.

Cost: 9.5%–11% APR (prime + 2.5–3%)
Repayment: Monthly, 7–25 yrs
Collateral: Usually required over $50k

What underwriting wants

—Two years of business and personal tax returns
—Year-to-date P&L and balance sheet
—Personal guarantee from every 20%+ owner
—For-profit U.S. business inside SBA size standards
—No delinquency on existing federal debt

Use the arrows, number rail, or keyboard arrow keys to move through all 15 products.

Secure Application

Submit your business vitals through our encrypted portal. We read cash flow, deposit consistency and receivable quality — not just a credit score.

Targeted Lender Match

Your file goes only to lenders whose published credit box you actually fit, across all fifteen product types. No broker-network blast, no flood of cold calls.

Side-by-Side Terms

You get a written comparison with every factor rate converted to APR, all fees itemized, and the cheapest viable structure named first — even when it earns us less.

Document Checklist

Assemble these eight items once and you can apply to every product on this page without a second scramble.

013-6 months business bank statements
02Driver's license and EIN letter
03Voided business check

Questions borrowers actually ask

Will applying hurt my credit score?: No. The qualification form runs a soft review of business cash flow only. A hard inquiry occurs only if you accept a specific lender's term sheet and move to final underwriting — and you will be told before that happens.
My credit is under 600 and I've had a default. Am I wasting my time?: No. Roughly half of the products on this page — invoice factoring, purchase order financing, equipment financing, asset-based lending, merchant advances and CDFI microloans — weight collateral, receivables or deposits far more heavily than FICO. Several have no credit minimum at all.
What is the difference between a factor rate and an APR?: A factor rate multiplies the amount borrowed: $100,000 at 1.30 means $130,000 repaid, full stop. APR annualizes the cost over the repayment window. A 1.30 factor repaid over six months is roughly a 100% APR; over eighteen months, roughly 33%. Always convert before comparing offers.
Do I have to sign a personal guarantee?: For most products under $5M, yes. Invoice factoring, purchase order financing and some revenue-based facilities are the usual exceptions, since the receivable or revenue stream carries the risk.
What documents should I gather before applying?: Six months of business bank statements, your last two business tax returns, a year-to-date P&L and balance sheet, a current A/R aging report, and a driver's license. That package covers the intake requirements for nearly every product listed above.
How many lenders will see my application?: Only the ones whose published credit box your profile actually fits. We do not blast files across a broker network — that is what produces the flood of calls most business owners associate with online lending.

Find out which of the fifteen you qualify for.

Soft review, written comparison, one business day.

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