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 - Finance Factory

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)

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.

View our terms/conditions, and privacy policy here.

Enter Amount Requested

What is the Amount Requested(Required)

What is your current income?

When did you start your business? Select today’s date for a startup

When did you start your business? Select today’s date for a startup.(Required)

Please Select Credit Score

Please Select Credit Score(Required)

Bad Credit (300 - 579)

Poor Credit (580 - 619)

Fair Credit (620 - 679)

Good Credit (680 - 719)

Excellent Credit (720 - 850)

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)

Underwriting accepts any of the following as proof of income: – 2 Most Recent Paycheck Stubs (preferred) – The first page of your two most recent personal tax returns (form 1040 for ’24 and ’23 or ’23 and ’22) – Any income award letters – Social Security, Pension, Disability, etc. Please try to combine as many as you can into a PDF that's not larger than 5MB

File

Max. file size: 5 MB.

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

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.

Phone

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

Simple Unsecured Funding

Fast & Simple Business Funding

Step 1

What People Say About Us