FAQ

Q: How do you provide value to my business?

As entrepreneurs, we understand that you need enough working capital to fund the many aspects of your business. Our value is in providing the capital you need today to maintain and grow your business for tomorrow and beyond. The approval requirements for our lending programs are significantly lower compared to secured bank loans, so our funding programs are the fastest and easiest way to obtain the money you need. In addition, unlike traditional banks, we offer post-funding support in the form of strategic and financial consulting—free of charge.

Q: What is the application process?

The application process is straightforward and should take approximately five minutes. You can submit an application through our website to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.

Q: What are your minimum requirements to be approved for funding?

Minimum of three months in business.

Minimum of $5,000 in monthly revenues.

Your business is based in the United States or Canada.

Q: What can I use the money for?

It is your money for your business, so you can use it however you see fit. Many of our clients use funding to cover payroll, renovate, manage inventory, expand, purchase equipment, and a variety of miscellaneous business expenses. You are the expert in maintaining and growing your company, and we are the experts in getting you the money you need to do so. It’s a win-win situation

Q: I have bad credit and even a previous bankruptcy. Can you get me funding?

This is one of our most frequently asked questions and the answer is YES! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. The qualifications are 1) you have been in business for at least 3 months and 2) your business generates sales in excess of $4,000 per month. In over 90% of cases, if you meet these two requirements, we can provide you with funding!

Q: How long does the approval process take?

Typically, approval is within 48 hours after we receive your full application, but it can take up to 72 hours, depending on how quickly you provide the required information, as well as the amount of funding being requested.

Q: How long will it take to receive my money?

Usually within 24 hours after a contract is executed and received.

Q: How do Small Business Get Financing?

Small businesses get financing from different lending organizations. As a small business owner, you can get financing from banks, private lenders, and financing institutions. We offer various funding options for small businesses like yours, so you can thrive and achieve your goals.

Q: Are Small Business Loans Hard to Get?

No, small business loans aren’t hard to get if you go to the right place and follow the necessary procedures. Start your loan qualification with a simple 15-second application (Business Loan Request Form) and talk to our dedicated advisor to make the right decision.

Q: What Benefits My Business Gets Working with Lending4BiZ?

Being entrepreneurs we understand importance of having appropriate financial support in right time for your business.

We tirelessly work on maintaining and growing our financial solutions portfolio to provide you with short and long term funding and fill you with confidence in your present and future business operations.

We offer creative financial programs with significantly lower approval requirements compared with traditional bank loans, so our funding solutions are the fastest and easiest way to obtain the capital you need.

Q: In What States do You Offer Business Funding?

We offer financial solutions for businesses in all 50 States.

Q: Do You Conduct Hard or Soft Credit Pull?

Getting hard or soft credit pull depends on the loan type. Typically, a soft inquiry is done upon per-approval. After an offer has been accepted, a hard inquiry is done. Though, in some cases only soft inquires should suffice or no credit check required.

For most of the funding solutions all you need is to generate your 3-bureau FICO Credit Report and provide along with your business bank statements.

Q: How Do I Get Started?

Get started submitting a quick Business Loan Request Form Today!

After identifying the best funding and credit options that are specific for your current business situation (industry, time in business, required amount, use of the loan proceeds etc.) and receiving necessary documents (in most cases it is a one-pager loan application, 3-6 last months of business bank statements, consolidated FICO report), you will get funding offer(s), usually within 24hr-48hr (depends on funding solution)

Q: How Can I Get a Business Loan with No Revenue/Money?

There are financing solutions for pre-revenue or young businesses that cannot qualify for a traditional business line of credit.

These financing options are contingent on your personal credit and verifiable income.

Get started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today!

Q: What Are the Approval Requirements?

Each business is unique as well as your financial situation. That is why we work with multiple leading financial institutions to accommodate various scenarios and help small businesses to get support they need. Your dedicated advisor will go with you all the way to find the best possible solution for you and your business.

Q: Do Banks Lend to Small Businesses?

Yes, banks lend to small businesses; however, not in all cases. That is why we are here for you. We say yes to your business’s financial needs when banks say no to you.

Get started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today!

Q: What Type of Industries Can Qualify for a Business Loan?

In our portfolio we have a seasoned lenders to finance a wide spectrum of industry groups in a variety of sectors from Dry Cleaners to Aerospace. Though there may be some restricted industry types for specific financial product requested, however, we have a home for every industry type.

Q: What Credit Score do I Need to Qualify for a Business Loan?

There is no minimum credit score requirement to qualify for a business loan. We work with multiple reputable lenders who will consider other factors to qualify you for a business loan. There is always a suitable solution for motivated entrepreneurs which our financing advisors are ready to help with.

Q: Are there Any Fees Associated with Business Loans?

We do NOT charge upfront application fees of any type.

For certain loan types, there may be associated origination fees which would be properly disclosed on a contract and only deducted after funding.

Property Appraisal Fee might be required to be paid upon applying for Real Estate Investment loan or RE equity based financing.

Q: How Much Capital Business Can Receive?

All loan amounts are based on borrower’s capacity of repayment which assessed based on their financials (bank statements, credit report, tax returns etc.). We will always approve for a highest possible amount.

GET FUNDED IN 1-2-3 EASY STEP

Checking your rate won’t affect your credit score

Apply Online

- Fast & Easy Online Application Our loan specialist will contact you Or call us at our phone number: 888-522-2207

Review Your Options

-You will have your decision in minutesNo paperwork, no waiting

Get Funded

- True term loans – $5,000 – $1,000,000 Receive funding in as fast as 1 day

FAST, EASY, RELIABLE

10,000+

Business Served

$2 billion+

Funds Delivered

Customer Reviews

OUR FUNDING OPTIONS

EQUIPMENT FINANCING

Get funding to purchase equipment for you business to keep on growing.

WORKING CAPITAL

Quick and simple cash available for any business purpose.

TERM LOAN

Our specialists will tailor a business loan to fit your needs.

SBA LOAN

Lowest rates available with an SBA 7a,504,or express loan.

EMPLOYEE RETENTION TAX CREDIT

If your business had employees through 2020 and 2021 you may qualify for up to $26,000 per employee.

INVOICE FACTORING

Get paid upfront for your 30-60 or 90 day old invoices.

BUSINESS LINE OF CREDIT

Access capital for your business when you need it and only pay interest on the funds you use.

TRUSTED PARTNERSHIPS

WITH OVER 50+ LENDERS

EXCLUSIVE PARTNERSHIPS

THAT YOU CAN COUNT ON

At Lending4Biz, we appreciate how investing in relationships brings mutual prosperity. Who we partner with ensures the best services available for our customers.

To discuss potential opportunities, please call
888-522-2207

Industry leading approval process that is easy and less intensive. Get the capital you need to allow your business to grow, today!

Speak to a Loan Specialist

888-522-2207

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The operator of this website is NOT a lender, does not make offers for loans, and does not broker online loans to lenders or lending partners. Customers who arrive at funding4smallbiz.com are paired with a lender or a lending partner, and redirected only to lenders or lending partners who offer business loan products.

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