Now reviewing funding requests nationwide

Fast business funding
when banks say no.

One 60-second form. Get terms for working capital or conventional loan options built for real businesses — no hard credit check — from $10K to $10,000,000.

Check My Funding Options Call 888-572-6737

✓ No cost to check options  ✓ Short form does not pull credit  ✓ Mid-600 scores considered

$10M Max request
60s Short form
600+ Credit considered
50 States served
💵 Working Capital🚚 Trucking🍽️ Restaurants🏗️ Construction🛍️ Retail⚕️ Medical📦 E-commerce🧾 Payroll📈 Expansion🔧 Equipment

Funding programs

Three ways to fund your business — without the bank runaround

Programs are reviewed on business revenue, deposits, time in business, credit profile, and requested amount — not just a credit score.

Fastest option

Revenue Based Financing

For businesses with steady card sales or bank deposits that need fast working capital with flexible payments tied to business activity.

  • Revenue-based review
  • Mid-600 credit considered
  • Funds for any business use
Explore revenue based financing →
Most popular
Structured option

Business Term Loans

For established businesses that want a fixed amount, predictable payments, and capital for planned growth or operations.

  • Fixed, predictable payments
  • Larger amounts available
  • Build business credit history
Explore term loans →
Daily operations

Working Capital

For short-term needs like payroll, inventory, supplier payments, seasonal cash flow, repairs, hiring, or new customer demand.

  • Cover payroll & inventory
  • Smooth seasonal dips
  • Move on opportunities fast
Explore working capital →

Need something more specific? We also offer:

Equipment Financing SBA Loans Real Estate Financing Lines of Credit A/R Financing

Why owners choose alternative funding

Traditional bank loan vs. our funding options

🏛️ Traditional bank / SBA
⚡ SmallByzLoans options
Application time
Weeks of paperwork
60-second short form
Credit requirements
Often 690+ preferred
Mid-600 profiles considered
Collateral
Usually required
Revenue-based review available
What's reviewed
Heavy focus on credit score
Revenue, deposits, time in business
Decision speed
30–90 days common
Review can start same day*

*Timing varies by lender, applicant, and documentation. Approval and terms are subject to lender underwriting.

Start My 60-Second Form

Who this is for

Built for owners who don't fit the traditional SBA box

If your credit score is in the mid-600s, your bank declined the request, you lack collateral, or you need funding faster than a traditional process — alternative programs may still be worth reviewing.

  • 3–6+ months in business preferred
  • Business bank deposits or card sales
  • Mid-600 credit score or improving profile
  • $10K–$500K needed for business use
  • Open to revenue based financing, working capital, or term loan options
See If I Qualify →
The 60-second head start Skip the line.
Start the review.

Your short form goes straight into our funding CRM. A specialist reviews it, contacts you, and routes you into the full application with document upload — no wasted steps.

Go Straight to Full Application

Industries served

Funding for everyday operating businesses

Owners search for funding in their exact industry. Whatever you run, the review starts the same way — one short form.

Restaurant funding Retail store funding Trucking business funding Construction funding Medical practice funding E-commerce funding Salon & spa funding Auto repair funding

Simple process

From "I need capital" to a funding conversation

  1. Submit the 60-second form Owner contact, business details, revenue, credit range, amount, and use of funds. No documents needed to start.
  2. Specialist reviews your profile Your lead lands in our CRM with full source tracking. A funding specialist matches you to programs that fit.
  3. Complete the full application Qualified owners continue into the secure CRM application and document upload — then lenders review for offers.
Start Step 1 Now →

SBA loan alternative

Why business owners search for alternative funding

Traditional financing can be difficult when a company has limited collateral, urgent cash-flow needs, newer revenue history, or a credit profile that is not perfect. Alternative funding options may consider more than a credit score — including business deposits, monthly revenue, time in business, and current obligations.

This page is designed for owners searching for business loans with mid-600 credit, SBA loan alternatives, revenue based financing options, fast working capital, and business funding after a bank decline.

Funding resources

Learn before you borrow

Straight answers about business funding, credit, and what lenders actually look for.

View All Articles →

Questions

Business funding FAQ

Can I qualify with a mid-600 credit score?

Possibly. Many programs review your revenue, deposits, time in business, industry, existing balances, and requested amount. Final approval and terms are decided by lenders.

Is this the same as an SBA loan?

No. This page is for business owners who want alternatives to SBA financing, including revenue based financing, business term loan, and working capital options.

Does the short form affect my credit?

No. Submitting the short form does not pull credit. If you continue into a full application, lenders may perform credit checks as part of underwriting.

What happens after I submit the form?

Your details are saved as a lead in our CRM. A funding specialist contacts you and, if appropriate, directs you to the full application and document upload.

Do you guarantee approval?

No. Avoid anyone who promises guaranteed approval. Approval, amount, rate, repayment, and terms depend on lender underwriting and applicant information.

View All FAQs →

Ready when you are

Your business can't wait weeks.
Neither should your funding review.

Start with the 60-second form — no documents, no credit pull, no cost to check.

Check My Funding Options Call 888-572-6737