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.

Business Loans

Easy Small Business Funding

Home » Funding Programs » Business Loans

What Business Funding Is

Business Funding provides your company with the capital it needs to grow, scale, and achieve long-term success. Whether you’re launching a new venture or expanding an existing operation, our comprehensive Business Funding options — including small business loans, lines of credit, and equipment financing — are designed to support your strategic goals and match your cash-flow needs. With the right Business Funding in place, you can seize opportunities such as hiring key staff, purchasing new equipment, entering new markets, or building out your facility. Accessing the right funding at the right time means you’re not just keeping the lights on—you’re laying the foundation to build, innovate, and lead. Let our flexible Business Funding solutions free you to focus on what matters most: growing your business without the distraction of capital worries.

Loan Amounts: $35,000-$500,000
Loan Terms: 0-30 years
Interest Rates: 0% (for up to 21 months) to 15%
Time to Fund: 7 - 10 business days on average

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Types of Business Funding Loans and Which Ones Are Best For You

Working Capital Loans

Working Capital Loans provide the flexible financing your business needs to manage day-to-day operations and keep cash flow strong. Unlike long-term business loans used for major investments, working capital loans are designed to cover short-term expenses — like payroll, inventory, or marketing — so your company can stay on track and grow smoothly. Whether you’re seeking small business funding to bridge seasonal gaps or loans for professionals to sustain business momentum, working capital loans offer quick access to the funds you need. They’re a smart solution for keeping your business running efficiently without disrupting your long-term financial goals.

SBA Loans

SBA Loans are government-backed business loans designed to make financing more accessible and affordable for entrepreneurs. With lower down payments, competitive interest rates, and flexible terms, SBA loans are one of the best options for reliable small business funding. Whether you’re launching a new venture, expanding your operations, or refinancing existing debt, SBA loans provide the working capital and stability your business needs to grow. Ideal for startups and loans for professionals, these programs help business owners secure the funding they deserve — with support and confidence every step of the way.

Home Equity Line of Credit

Home Equity Lines of Credit (HELOCs) let you tap into the value of your home to access flexible funding for your business needs. Unlike traditional business loans, a HELOC allows you to borrow against your home’s equity as needed, giving you a revolving source of capital that can be used for expenses like expansion, inventory, or payroll. Whether you’re looking for small business funding to fuel growth or loans for professionals to manage cash flow, a HELOC can be a smart, low-interest alternative. With competitive rates and flexible repayment options, it’s an excellent way to put your home’s equity to work for your business goals.

Who Can Qualify for Business Financing: The Three C’s

When you’re looking into loans, Finance Factory looks at the Three Cs: Credit, Cash flow, and Collateral.

You’ll want to have a credit score between 700 and 800. But we’ll also look for a minimum account balance of $1,000 – $5,000 for monthly cash flow (but also look at tax returns, profit, and annual revenue).

As for collateral, we prioritize unsecured funding; however, collateral is just one option. As long as you have one of the Three Cs, you’ll qualify for a loan.

It’s important to understand that businesses younger than 2 years or guarantors with poor credit scores will have a harder time qualifying. SBA lenders need to know you’re reliable and not a risk.

Ideal Annual Revenue: None is required
Ideal Credit Score:680+
Time In Business: None is required

How To Apply / Documents Needed

When it comes to Business Funding, the application process and required documents can vary.
What’s Needed to Apply?

Credit Report
Personal Tax Returns
Personal Credit History
Personal Financial Statement

Finance Factory Helps You Find the Best Loans For Your Business

Interested in finding funding for your business? Finance Factory would love to help! If you’re looking to fund your business within the next 7 to 90 business days and have a credit score of 680+, let’s chat! With no impact to your credit, our team will be able to provide you with a funding estimate within 48 business hours. Click below to get started!

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