Small Business Funding Approved in Under 24 Business Hours

  • Apply For Free
  • Bad Credit Options
  • No Collateral Required
  • $5,000 - $500,000 Funding Range
  • Approval In Under 24 Hours

What Are Your Funding Needs?

(855) 414-LEND (5363)

See Funding Options No Cost, No Obligation

As Seen In
Accredited Business
NY Times

Who We Are

Small business loans is a business funding consultation group specializing in finding the best financing alternative for borrowers. We take a consultative approach by listening to customers’ needs and providing the right solution with the right terms to best meet your distinct need.

How It Works

Submit one-page application & statements
Choose an Offer
Get funded



We use Verified & Secured 256-bit encryption on our application and to scan our site daily for phishers and malware. We also have extended security that shows a Trusted Green Address Bar with a lock on it.

Our Network Helps Businesses all Over the U.S.

This country runs on businesses that don't fit in a one-size-fits-all solution. The funding partners we've teamed up with have helped businesses in a variety of industries from all over the country find unique funding solutions. Your dedicated Business Funding Consultant will find you the best solution for your unique situation. You focus on running your business. We will focus on finding you the money your business needs!

We Understand You as a Business Owner

Its simple, Small Business Loans connects business owners with a network of funding partners to help them get working capital quickly. While banks all over the country are saying "no" to businesses, we're here to say "yes"!

Our Experience

Our years in helping business owners like you taught us what is important.

  • A simple, quick, and secure application process
  • Exceptional service and dedication through our Business Funding Consultants
  • A large network of financing partners with multiple funding solutions for your business

Why Choose Small Business Loans

The difference between using us instead of going through a direct lender is that direct lenders will limit your loan options and price. We go to work for you and present you with the best rates and offers. Best of all you don’t pay us, they do, and there is no difference in cost to you.

Bank Loan / SBA Loan
Small Business Loans
Merchant Cash Advance
Money For your Business:
Competitive Rates:
Many Funding Partners:
Multiple Funding Solutions:
Serving a Variety of Industries:
Dedicated Business Funding Specialist:
Fast Application Process:
Regulated Loan: **
95% Approval Rate:

** A regulated loan may report to the major credit bureaus and adheres to the best practices of loan making and fair interest rate assignment. Reporting may allow the user to build a positive credit history through responsible payment.

Credit card processing

Accept credit cards at your business with our parent company Bankcard Services. Get a merchant account with the lowest overall cost in the industry, a month-to-month service agreement with no cancellation fees, and free terminal options! Whether you need credit, debit or mobile processing from virtual or wireless terminals, Bankcard Services will save you money with the lowest cost guaranteed. The quick set-up process takes only minutes, with no hiccups in your day-to-day business. Credit card processing has never been easier or more affordable.

Client testimonials

  • “I went through a direct lender before and got only one offer. I had to pay the price for it because I was way over charged in interest. Small Business Loans came along and got me multiple offers that best fit my business needs with more then half of the % I paid the direct lender”

    - Danielle P., Nail Salon Owner
  • “The team at Small Business Loans was easy to reach and easy to talk to. They understood my business needs right away and didn’t give me the run-around that I seemed to receive from my bank. They searched for the best loan rates and I had the money I needed within 2 days of applying.”

    - Adrian S., Sporting Goods Store Owner
  • “Two years ago, Small Business Loans was able to find me a lender that got me enough cash to hire more wait staff during peak season. Last year, we got more money to renovate our kitchen. We wouldn’t be here without them!.”

    - Sarah G., Restaurant Owner
  • “My application was approved in less than a day and I received my cash the next day. The entire process was as quick and painless as can be!”

    - Joseph H., Auto Repair Owner
(855) 414-LEND (5363)

Call today to speak with Small Business Loans Personal Advisor for a decision in minutes.

Frequently Asked Questions

What is a merchant cash advance?

A merchant cash advance is a form of alternative business funding for business owners that process credit card, debit card sales, and/or have monthly bank statements with more than $100,000 in total annual gross deposits.

Does my credit score drop substantially when I apply with you?

No. Although we have many lending partners, we DO NOT send your application to all of them. Once we pre qualify you, we hand pick and send your application to up to 3 lending partners that best meet your needs and pre qualifications.

How do I know if I qualify for an advance?

If you own a business that has been in business for at least 6 months and either process $5,000 per month in credit card sales and/or $100,000 in total gross annual sales, you qualify!

How long does the approval process take?

At Small Business Loans we strive to be Fast, Easy and Flexible. The turnaround time for an approval is 24 hours or less.

What is the interest rate?

Since this type of funding is NOT a loan, it does not have an interest rate associated.

Once approved, how long will it take until I receive my funds?

On average, once you sign the purchase agreement and send it back to our funding consultants along with any missing information that is required to finalize the funding process, funding typically takes place in as little as 48 hours.

My credit score is low, can I still secure funding?

Of course! At Small Business Loans, credit score is not an indicator of funding approvals. We look at the solvency and cash flow of the business to determine and customize funding programs.

How much money am I eligible for an advance?

At Small Business Loans, we can typically have a lender qualify a business for up to 200% of their monthly Visa/MasterCard volume or up to 100% of their gross monthly deposits. Our approvals Range from $5,000-$2,000,000 per location.

What types of businesses do you finance?

Part of the Small Business Loans philosophy is to be flexible. We will Evaluate any business that meets our underwriting criteria. We understand that in todays economy it is important to give every business owner an equal opportunity to secure funding for their business.

How do I get started?

Getting started is easy, all you need to do is fill out our quick contact form on our website and a member of our staff will reach out to you within 5 minutes or you can call one of our dedicated account executives who will walk you through the entire process from start to finish. For immediate assistance please call 800-520-4488 or you can email us at

Privacy Policy

Our Commitment to Privacy

Our Privacy Policy was developed as an extension of our commitment to combine the highest-quality products and services with the highest level of integrity in dealing with our clients and partners. The Policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site and our products and services. This statement will be continuously assessed against new technologies, business practices and our customers' needs. It may be updated at any time without notice.

What Information Do We Collect?

When you visit our Web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.

Personal Information You Choose to Provide

If you choose to purchase products or services from us or our partners, you may need to give personal information and authorization to obtain information from various credit services. For example, you may need to provide the following information:

Contact information, including name, mailing address, email and telephone
Credit card number and billing address
Home and business phone number. Other personal information (i.e., mother's maiden name)
Name, address, telephone, size, type and business credit report

In addition to providing the foregoing information to our partners, if you choose to correspond further with us through e-mail, we may retain the content of your e-mail messages together with your e-mail address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

Web Site Use Information

Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" (see explanation below, "What Are Cookies?") and Web server logs to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site. This information is collected on an aggregate basis. None of this information is associated with you as an individual.

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services and special offers we think you will find valuable. The lists used to send you product and service offers are developed and managed under our traditional corporate standards designed to safeguard the security and privacy of our customers' personal information. As a customer, you will be given the opportunity, at least once annually, to notify us of your desire not to receive these offers.

What Are Cookies?

Cookies are a feature of Web browser software that allows Web servers to recognize the computer used to access a Web site. They are small pieces of data that are stored by a user's Web browser on the user's hard drive. Cookies can remember what information a user accesses on one Web page to simplify subsequent interactions with that Web site by the same user or to use the information to streamline the user's transactions on related Web pages. This makes it easier for a user to move from Web page to Web page and to complete commercial transactions over the Internet. Cookies should make your online experience easier and more personalized.

How Do We Use Information We Collect from Cookies?

We use Web site browser software tools such as cookies and Web server logs to gather information about our Web site users' browsing activities in order to constantly improve our Web site and better serve our customers. This information assists us to design and arrange our Web pages in the most user-friendly manner and to continually improve our Web site to better meet the needs of our customers and prospective customers.

Cookies help us collect important business and technical statistics. The information in the cookies lets us trace the paths followed by users to our Web site as they move from one page to another. Web server logs allow us to count how many people visit our Web site and evaluate our Web site's visitor capacity. We do not use these technologies to capture your individual e-mail address or any personally identifying information about you although they do permit us to send focused online banner advertisements or other such responses to you.

Sharing Information with Affiliates

In order to fulfill your requests for certain products or services, we may share and/or sell your information with or to our trusted affiliates, but only in accordance with this Privacy Policy. As a result, from time to time you may notice offers from outside companies advertised on our Web site. We take measures to select product or service providers that are responsible and afford privacy protections to their customers. However, we cannot make any representations about the practices and policies of these companies.

Sharing Information with Strategic Partners

We may enter into strategic marketing alliances or partnerships with third parties who may be given access to personal information including your name, address, telephone number, e-mail address, and other information for the purpose of providing you information regarding products and services that we think will be of interest to you. In connection with strategic marketing alliances or partnerships, we will retain all ownership rights to the information, and we will not share information regarding your social security number or other personal financial data.

Notice of New Services and Changes

Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services and special offers we think you will find valuable. As our client, you will be given the opportunity to notify us of your desire not to receive these offers by clicking on a response box when you receive such an offer or by sending us an e-mail request at

How Do We Secure Information Transmissions?

When you send confidential personal credit card information to us on our Web site, we use a secure server software which we have licensed that encrypts all information you input before it is sent to us. The information is scrambled en route and decoded once it reaches our Web site.

Other e-mails that you may send to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you do not send confidential information such as Social Security or account numbers to us through an unsecured e-mail.

How Do We Protect Your Information?

Information Security.

We utilize encryption/security software to safeguard the confidentiality of personal information we collect from unauthorized access or disclosure and accidental loss, alteration or destruction.

Evaluation of Information Protection Practices.

Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.

Employee Access, Training and Expectations.

Our corporate values, ethical standards, policies and practices are committed to the protection of customer information. In general, our business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons, processes and transactions.

How Can You Access and Correct Your Information?

You may request access to all your personally identifiable information that we collect online and maintain in our database by e-mailing

What About Legally Compelled Disclosure of Information?

We may disclose information when legally compelled to do so. In other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights.

What About Other Web Sites Linked to Our Web Site?

We are not responsible for the practices employed by Web sites linked to or from our Web site nor the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site.

Please remember that when you use a link to go from our Web site to another Web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other Web site, including Web sites which have a link to our Web site, is subject to that Web site's own rules and policies. Please read over those rules and policies before proceeding.

Your Consent

By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our Web site to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it.

Terms & Conditions

Legal Notice

Small Business Loans offers this website, including all information and services available from this website or offered as part of or in conjunction with this website (the "Website"), to you, the user, conditioned upon your acceptance of all of the terms, conditions, policies and notices set forth below ("Terms and Conditions"). Your continued use of the Website constitutes your agreement to be bound by the Terms and Conditions.

No Warranties

The information contained on this Website is provided without any warranties or representations as to accuracy, completeness or timeliness. Small Business Loans does not warrant that the Website or its operation will be accurate, reliable, uninterrupted or error-free. Small Business Loans assumes no liability or responsibility for any errors or omissions in the content or operation of the Website. Small Business Loans reserves the right to modify the information contained in this Website without notice, and makes no commitment to update the information contained in this Website. USE THE WEBSITE AT YOUR OWN RISK. THIS WEBSITE IS PROVIDED TO YOU "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply. Small Business Loans also assumes no responsibility for, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Website or your downloading of any files, images, text or other materials from the Website.

Exclusion of Liability



All material contained on the Website (including all software, HTML code, Java applets, Active X controls and other code) is protected by United States and foreign copyright laws. Except as otherwise expressly provided in these terms and conditions, you may not copy, distribute, transmit, display, perform, reproduce, publish, license, modify, rewrite, create derivative works from, transfer, or sell any material contained on the Website without the prior consent of Small Business Loans. You may make single copies of materials displayed on the Website for your own use only, provided any copies include the copyright and other notices displayed with the materials on the Website. You may not distribute such copies to others, whether or not for a charge or other consideration, without prior written permission from Small Business Loans. Any unauthorized use of any materials on the Website may violate copyright laws, trademark laws, laws of privacy and publicity, and communications regulations and statutes. Violation of this provision may result in substantial civil and criminal penalties.


The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Website are trademarks of Small Business Loans and its affiliates. Other trademarks appear on the Website with permission from their respective owners. Nothing contained on the Website should be construed as granting any license or right to use any Trademark displayed on the Website. Unauthorized use of the Trademarks is strictly prohibited and may constitute trademark infringement, which could subject you to substantial civil and criminal penalties. Small Business Loans will aggressively enforce its trademark rights to the fullest extent of the law, including the seeking of criminal prosecution.

User Submissions

Any communication or material you transmit to Small Business Loans using the Website or via electronic mail to any address listed on the Website, including any data, questions, comments, suggestions or the like, is and will be treated as non-confidential and non-proprietary, shall become the property of Small Business Loans or its affiliates, and may be used by Small Business Loans for any purpose.

Links and Linking

This Website may contain hyperlinks to other websites. Such links are meant solely for the user's convenience. Small Business Loans has no control over, and is not responsible for the content found on, external websites. Links to such third party websites do not constitute sponsorship, endorsement or approval of such websites or the contents thereof. You may establish a link to this Website, provided that (i) you do not remove or obscure the copyright notice or other notices on this Website, (ii) you give Small Business Loans notice of such link by sending an e-mail to, providing the URL of the page(s) where the link will appear and information on the owner of the URL, and (iii) you discontinue providing a link to this Website if so requested by Small Business Loans or its affiliates. Small Business Loans reserves the right to revoke this license generally, or your right to use specific links, at any time. Under no circumstances may you "frame" the Website or any of its content or copy portions of the Website to a server, except as part of an Internet service provider's incidental caching of pages. Each page within the Website must be displayed in full (including all trademarks, branding, advertising and promotional materials), without any accompanying frame, border, margin, design, branding, trademark, advertising or promotional materials not originally displayed on the page within the Website.

Termination of Privileges

Small Business Loans reserves the right to terminate your privilege of using all or any portion of the Website if you breach any of these Terms and Conditions.

Governing Law and Jurisdiction

The Website is controlled and operated by Small Business Loans from its principal office in the State of Michigan. Small Business Loans makes no representation that materials on the Website are appropriate or available for use in other locations. Those who choose to access the Website from other locations do so on their own initiative and are responsible for compliance with all applicable local laws, rules and regulations, including, without limitation, export laws and regulations. The Website is not intended to subject Small Business Loans to the laws or jurisdiction of any state, country or territory other than the State of Michigan. The laws of the State of Michigan will govern the enforcement of these Terms and Conditions and any disputes that may arise hereunder or result from your use of this Website, and you agree to submit to the exclusive personal jurisdiction and venue of any state or federal court located therein.

Entire Agreement

These Terms and Conditions constitute the entire agreement and understanding between you and Small Business Loans with respect to use of the Website, superseding all prior or contemporaneous communications and/or proposals. Small Business Loans reserves the right to make changes to these Terms and Conditions immediately by posting the changed Terms and Conditions in this location. By continuing to use the Website, you are agreeing to all changes made by Small Business Loans. A printed version of these Terms and Conditions shall be admissible in judicial or administrative proceedings based upon or relating to use of the Website to the same extent, and subject to the same conditions, as other business documents and records originally generated and maintained in printed form.