Can you provide funding for clients who are not U.S. citizens?

No, clients must be permanent residents/U.S. citizens currently residing in the United States.

Do I need a down payment or need to pledge collateral?

No, most options we offer do not require a down payment or any collateral. If the funding is being used to purchase an asset, such as equipment or commercial real estate, that will allow you to qualify with lower credit scores.

Does my business need to be generating revenue before I can receive funding?

No, if you have good credit, 700+ credit scores, then we can most likely help with funding. Having good credit with verifiable income outside of your business will always help as well.

Will the review be a hard pull on credit?

NO HARD inquiries on any reviews, we can give you an offer without a hard inquiry.

Does my co-signer need to be a business partner?

No, can be a family member or friend who is willing to help.

Can I still get financing if I just quit my job?

Yes, if you have good credit or a co-signer we have options!

Do we charge any upfront fees or application fees?

No, Finance Factory does not charge any upfront fees. We only get paid if you successfully receive funding.

Are there any industry restrictions?

No, we work with all industries providing your credit score or partners/co-signers are 700 or better.

How quickly can I get funding?

We can provide credit decisions within 24 hours or less and funding can take place in as few as 3 days.

What are the interest rates?

We offer funding programs with rates as low as 0%. Your specific rates depend on the strength of your credit profile, funding amount, term, and other qualifying factors.

Simple Unsecured Funding

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Fast & Simple Funding

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Step 1

First Name(Required)

Last Name(Required)

Email(Required)

Phone(Required)

Business name(Required)

I consent to receive SMS/text messages & voice calls placed by Finance Factory, its affiliates, and/or from an automatic telephone dialing system for the purpose of servicing my account in its entirety. Message and data rates may apply. Calls will be recorded for customer service, training, and/or legal purposes.(Required)

View our terms/conditions, and privacy policy here.

Please provide the following details for us to confirm your identity and provide you with an accurate Funding Estimate. The address used must be what is showing on your Driver’s License or change of address card. If you have not lived at your current address 1+ years, please use your previous address.

Street Address(Required)

City(Required)

State(Required)

ZIP / Postal Code(Required)

To expedite the underwriting process, please upload your income documentation. (2 most recent paycheck stubs, first page of most recent years tax return, 1099's, disability letter, 3 months business bank statements, etc.) Please try to combine as many as you can into a PDF that's not larger than 5MB

File

Accepted file types: jpg, gif, png, pdf, doc, Max. file size: 8 MB.

Accepted file types: pdf, Max. file size: 5 MB.

Check this box to confirm your files have been uploaded successfully.

Date(Required)

Your credit report bureaus MUST NOT BE locked or frozen. You understand that by clicking on the I AGREE button immediately following this notice you are providing ‘written instructions’ to Finance Factory under the Fair Credit Reporting Act authorizing Finance Factory to obtain information from your personal credit profile or other information from Experian, Transunion, or Equifax. You authorize Finance Factory to obtain such information solely to conduct a pre-qualification for credit. Again, there’s no fee or obligation to apply, and it won’t impact your credit. Please do not click the I AGREE button more than once. If you experience any issues, please call us at 800-691-6727.

This field is for validation purposes and should be left unchanged.

What People Say About Us

Great

Finance Factory (Towson)

Based on 103 reviews

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Binjie Lu

Alex and Dan are very helpful getting me the money I need for my business. Great experience with them. Will work with them again in the future.

Jana Tzinberg

My experience with Finance Factory was wonderful and I highly recommend them! I worked with Dan and Donald and was completely impressed. Donald knew just how to help me get what I needed quickly and painlessly. The entire process took less than 24 hours.
Call them! You will be so happy you did!

Stephanie Reynolds

Great experience! Alex and Brandon heard what I needed and took care of me!

Weishalla Homes Remax Results

Neena Kapoor

I had a fantastic experience working with Pete Johnson from Finance Factory on our new auto loan process. From start to finish, he was incredibly helpful, knowledgeable, responsive, and professional.
His communication was always clear and consistent, and he took the time to ensure I understood every step of the process. Pete truly went above and beyond to make everything smooth and stress-free.
I highly recommend Pete Johnson to anyone looking for a reliable, efficient, and supportive lending professional. Thank you, Pete, for your outstanding service!

Maria Hardy

Finance Factory helped me secure the financing I needed for my business. The experience was excellent from start to finish. They were responsive, knowledgeable, and incredibly easy to work with. They even taught me a few things along the way. Highly recommended!

Paul Nehus

Fund Factory has a very professional Team. They are helpful, responsive, reliable and dedicated. They helped me get what I required to start my business. No hassle and no fuss. I will certainly use them again as needs arise. Highly recommended!!!

Shoaib Shah

John Florer

Although things didn’t work out, they were still able to help me in the end. Will definitely consider them for future options

Romain Bonte

👍