One simple 2-minute application matches you with the best offers from our network of 75+ lenders. No fees. No obligation. No credit impact to check your options.
Traditional banks reject 80% of small business loan applications. We take a different approach.
You pay $0 to apply, get approved, or review your options. We only get paid when you get funded.
Checking your offers does not impact your credit score. See what you qualify for risk-free.
Low personal FICO? No collateral? We work with business owners the banks walk away from.
Once approved, funds hit your business account fast. No endless underwriting or weeks of waiting.
One expert, one point of contact, start to finish. No call centers, no getting passed around.
One application. Multiple offers. Pick the terms that fit your business, not the first one offered.
From application to funded in as little as 24-48 hours.
One simple application qualifies you for every funding program we offer. No paperwork, no fees, no credit impact.
Your dedicated expert walks you through every offer you qualify for and helps you pick the best terms for your business.
E-sign, and funds hit your business account in as little as 24-48 hours. Use the capital however you need.
Thousands of small business owners have used our network to grow, expand, and weather the tough months. Here's what they had to say.
"As a small business owner opening a new restaurant, it is a blessing when USA Business Lending Co can provide the capital needed to expand. Jose was amazing!"
"Johnny recommended a plan that paid him less just to make sure we got what was best for us. He really cares about his clients."
"Fast and efficient — and caring. Best funding experience by far. I'll be using them again."
"Tyler was excellent and very professional. I had offers on the table within a day. I highly recommend USA Business Lending Co."
"Brian was fantastic and extremely thorough. I couldn't have asked for a smoother transaction."
Still have questions? Your dedicated funding expert answers the rest once you submit.
No. Checking your options with us is a soft credit inquiry, which does not impact your personal or business credit score. A hard pull only happens if you accept a specific offer from a lender.
There's no universal minimum. We work with 75+ lenders, and some programs (like Merchant Cash Advances and Working Capital Loans) are built for business owners with FICOs in the 500s. Your revenue and bank statements often matter more than your credit.
Fast programs fund in as little as 24 hours from e-sign. Larger or longer-term loans take 2-5 business days. Your expert will tell you the exact timeline for each offer you qualify for.
For most programs: a driver's license, a voided business check, and the last 3-6 months of business bank statements. Larger loans may also ask for tax returns. That's it — no business plans, no projections.
Zero. Applying is free. Reviewing your offers is free. If you don't like any of the terms, you walk away — no fees, no pressure, no obligation.
Just about all of them — restaurants, construction, retail, trucking, medical, e-commerce, professional services, auto, manufacturing, and more. If you have a business bank account and revenue, we likely have a lender that will work with you.