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

Easy Small Business Funding

Home » Apply Now (Step 5)

Fast & Simple Business Funding

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.

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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

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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.

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What People Say About Us

Great

Finance Factory (Towson)

4.1

Based on 93 reviews

review us on

👍

Im muzamilkhan frome pakistanI want to start my own business of dairy form of cows I don't have the money for investment kindly grant me a loan for investment I shall be very thankful to for this act of kindness

Santoria Warren

Nicholas Meyer

Josie Lorelli

I recently had the pleasure of working with Dan & Pete at Finance Factory, and I couldn't be more impressed with their service. From start to finish, they were incredibly quick, diligent, and professional.The entire process was seamless, and their team was always available to answer any questions I had. They took the time to understand my financial needs and provided tailored solutions that perfectly fit my situation. Their expertise and efficiency made a potentially stressful experience completely hassle-free.I highly recommend Finance Factory to anyone in need of financial services. Their commitment to excellence is evident in every interaction. Thank you, Finance Factory, for your outstanding service!

Jason Wagner

5 stars all around. Had first call on a Thursday. Did a quick overview of what I was looking for. They called on Saturday. Sunday we went over my options and they walked me through the process. After about 20 minutes I submitted my request. Was approved instantly for the exact amount I asked for in the exact time period. Was approved for 4 years with an 8.99% APR.After dealing with traditional banks for almost 2 months it was a relief to find a lender that was more than reasonable. Very hassle free. Very professional and realistic about meeting my goals. Overall I will end up saving $ compared to what the traditional lenders were offering. Thanks again.

Myles Weathers

I’m grateful for the opportunity to work with Sean, the SR Account Manager with Finance Factory. He showed great customer service, prompt responses, provided insightful information, and made this loan process very simple. It wasn’t the most seamless process due to miscommunication with a lender on my end, but Sean was patient with me and did everything he could to get me the best loan possible. Thank you so much, Sean!

Leah Treffert

Working with Sam has been a pleasure. He answers questions quickly and keeps in touch.

Harrison SVP