Resources & Insights

Credit requirements vary by loan type. SBA loans typically require 680+, while alternative lenders may work with scores as low as 550. We evaluate the complete picture including business revenue, time in business, and collateral.

Timeline depends on the loan type. Working capital and equipment financing can fund in 1-5 days. SBA loans typically take 30-60 days. Commercial real estate loans range from 30-90 days depending on complexity.

Common requirements include: business tax returns (2-3 years), personal tax returns, bank statements (3-6 months), profit & loss statements, balance sheet, and business plan for larger loans.

Yes, though options are more limited. SBA microloans, equipment financing, and some alternative lenders work with startups. Strong personal credit, industry experience, and a solid business plan improve approval chances.

A loan provides a lump sum with fixed payments over a set term. A line of credit gives you access to funds up to a limit that you can draw from as needed, paying interest only on what you use.

Our consultation is free. We earn a commission from lenders when your loan closes, which doesn't increase your cost. Some loans may have origination fees charged by the lender, which we'll disclose upfront.