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.

Seed Funding

Easy Small Business Funding

Home » Funding Programs » Seed Funding

Seed Funding

Unsecured Business Finance is a FICO driven program for credit worthy applicants. With Unsecured Business Finance, there is no collateral needed. However, a good credit score is required in order to qualify.

In comparison to secured loans, Unsecured loans are a higher risk for lenders - which means a higher interest rates and required credit scores. Applicants are able to choose one guarantor of their choosing if their credit is not high enough.

Loan Amounts: $25,000 – $250,000
Loan Terms: Revolving credit accounts
Interest Rates: 0% Intro APR for up to 21 months, market credit card rates thereafter
Time: 7 - 10 Days

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Types of Seed Funding And Which Ones Are Best For You

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How To Apply / Documents Needed

Most banks, both local and large, offer entrepreneurs business credit cards & bank lines of credit. However, alternative financial institutions also can help you get unsecured business financing.

The process itself is relatively easy and doesn’t take too long in order to be processed and approved.

Required Documents: Business Credit Card

Personal Credit

Required Documents: Bank Lines Of Credit

Business Tax Returns
Business Cash Flow
Industry Code
State / Location Of Business / Officers

Finance Factory Helps You Find The Best Seed Funding Financing 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 30 to 90 days and have a credit score of 600 - 800, let’s chat! Get pre-qualified right now with our quick-step pre-qualification form! And don’t worry, this will not result in a hard credit inquiry of sensitive information. We just want to learn more about you and your business. Click below to get started!

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