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Flexible repayment terms

Need help with startup costs? Need extra funds to boost cash flow? Fill out our easy loan application to apply for a small business loan today!

Every business needs sufficient financing to keep operating. If you are in a pinch and need money quickly, applying for a business loan may be the best way to keep your business open. We have a range of business financing options for all kinds of applicants.

“Don’t sit down and wait for the opportunities to come. Get up and make them.”

Madam C.J. Walker

Whether you run a grocery store, a physical therapy practice or an online e-commerce company, we can help you secure a business loan for you. And, if you are new to the loan application process, we have consultants to help walk you through each step of the way.


A business loan can be key to growing and expanding your business. Before you receive any kind of business loan, you are going to need to prove to the lender that you can repay your loan.

When applying for a business loan, you need to make sure that you have all your financial documents in order. All lenders are different, but typically you will need to meet the following business loan requirements:

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You are going to need a credit score in the range of 500 to 800. The higher the better because your loan interest directly depends on your score— the higher the score, the lower the interest rate percentage. Most lenders require minimum credit scores of 600+

Presence of
Cash Flow

Having cash to pay for everyday costs is an important indicator of your business’s financial health. Be prepared to present at least 3 of your last monthly cash flow statements.


Lenders may ask for a balance sheet that includes your assets, liabilities and equity. You need to show evidence that your business is lucrative and that you are investing in it.

Length of Business Operation

Lenders will want to see that you have been in business for some time so that they know you are serious about your business. For some loans they will want your business to be open for at least 2 years.

Good Debt to Income Ratio

Lenders will want to see that you are not drowning in debt. Lenders will also want to see that you have money invested in your business. When it comes to DTI, a 28-36% ratio is optimal.

Status on Active Loans

Lenders will look at any active loans that were received earlier and if you are paying them back. If you have outstanding loans, it may be more difficult to secure a new business loan.

To get a quick loan for your business, fill out our easy business loan application today. We can help you compile all of the necessary financial documents to make the process as simple and stress-free as possible.

“A big business smarts small.”

Richard Branson

Questions you should ask before you apply for a business loan:

The first step to applying for a business loan is to outline your financial goals. Before you sign any loan agreement, ask yourself a few questions regarding your business. These questions can help you stay organized throughout the loan acquisition process and help you understand what kind of loan to apply for.

How much money do you need?

Outline and estimate the cost of your business goals. Are you expanding your business? Purchasing new real estate? Be sure to do a thorough calculation of how much money you will need to meet your financial goals before you apply for a loan. Consider applying for a business credit card or business line of credit if you need more flexibility.


A loan can be a big commitment. For the next few years (or, potentially, decades), you will be repaying this amount with an additional interest on top of it. Consider whether this is viable for you and your financial standing and whether you can afford this additional expense.

Be sure to shop for various lenders to see the range of business loan interest rates and repayment schedules they can offer you. You can use our business loan calculator to see the potential interest rates and monthly payment schedules offered. With an installment plan loan, you can pay in lump sums or monthly installments. Be sure to review all of the details of the loan offered to you before you accept the terms.

How is your business doing financially?

If you are seeking a loan to expand your business, it’s likely that your business is doing well. However, depending on the state of your business, it is possible that a loan can be a financial liability. Consider the financial health and solvency of your business before you apply for a loan.

What term do you need the loan for?

Are you seeking a loan for the immediate short term? Or are you looking for a loan to invest in your business for the next 30 years or so? Or, maybe, you are considering a business line of credit instead? Examine all business loan terms and options before you begin the application process.

How is
credit score?

A good business loan credit score is 550+. If you have a lower credit score, you may need to apply for a loan from alternate lenders. The state of your financial history can greatly affect your position in the loan acquisition process, but having a low credit score does not mean you are disqualified from a loan.

Do you have assets for collateral?

Often, lenders may require some form of business loan collateral to secure the loan. This can be in the form of an asset like a savings account, a car, or a house. If you fail to pay back your secured loan, your asset can be taken from you.

Be sure to examine this risk if you need to back your loan with collateral.


Is a loan better than an investor?
Should I try to find an investor instead?

Depending on your situation, you may prefer one kind of financing option over the other. There are pros and cons to both kinds of funding.

Investors can be a great way to finance your business, because sometimes their terms can be more flexible. With investors, you may not have to face high business loan rates and won’t need to follow a rigid repayment schedule . However, there are some drawbacks to investor funding and reasons why people may choose to seek out a loan instead.

The main downsides of investor funding is that investors can retain partial ownership of your company, which means that you can lose agency over your business and be subject to their desires and whims. Moreover, investors may have their own financial interests that may not align with yours, leading to problems down the road. The other downside is that finding investors can take time, whereas you can receive a business loan instantly.

To retain greater control over your company and get funding quicker, you may want to apply for a business loan.

Need help funding that million dollar idea?
Fill out our online loan application to get
one step closer to realizing your business goals.


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The loan acquisition process can feel overwhelming at times. However, we have consultants to help you understand your business loan options. Here are our most frequently asked questions about the business loan process:

What is the business loan pre-qualifying process?

To make the loan approval process faster, you can prequalify for your loan. When you are prequalified for a loan it means that we have briefly reviewed the information you have given us and will likely approve you for the loan when you apply once you provide all necessary documents.

Can you apply for a loan with bad credit?

Yes! There are many kinds of business loans designed for people with bad credit scores. However, banks or other lending institutions may require collateral from you to secure the loan. You will also be subject to higher interest rates. There is also potential to apply for personal loans for bad credit that can be used towards your business.

What does a business loan cover?

Business loans can be crucial to keeping your business up and running. A small business loan or (SBA Loan) can give you the funds to cover a range of business costs. These costs include payroll, renovation, rent, real estate, equipment financing, branding and working capital to cover the day-to-day operational costs. There are also business loans to help you with the startup costs to finance a new business.

How fast can you approve a business loan?

If you are pre-qualified for a loan, you can get approved within 24 hours. Be sure to compile your financial records and apply ASAP. Fill out our business loan application so that we can help you pre-qualify. If you meet the criteria, you can get approved in a single day and receive your funding ASAP.

What does it mean to be pre-approved for a loan?

When you are pre-qualified for a loan, no lender has actually looked at any of your documents, only your self-reported information and credit score. But, when you are pre-approved for a loan it means that the lending institution has looked over your financial documents and already decided that you are an eligible applicant. You can get pre-approved for a specific amount based on your financial goals and situation. However, even when you are pre-approved, the lender will still ask for additional verification before they issue you your money.