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.

About Us

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Finance Factory is a leader in the startup and alternative business funding spaces, maintaining an A+ rating with the Better Business Bureau and ranked one of LendingTree’s top startup funding experts.

Founded in 2006, Finance Factory helps early-stage business owners solve the challenges they face when obtaining capital to launch or grow their small businesses.

The principles of Finance Factory have been instrumental in growing and leading multiple fintech and real estate investment companies; several of which have been ranked as the top 200 Fastest Growing Companies in the United States by Inc. Magazine.

By applying the lessons they learned from working with entrepreneurs and angel investors at the IRA Network, as well as their first-hand knowledge of the booming alternative lending market, they developed a unique and proprietary process to help entrepreneurs access capital.

Our Difference

Finance Factory takes every opportunity to help strengthen small business owners. We empower you to do what you do best — with customized small business lending options, and resources to help foster your financial well being and allow you to transform your vision into reality.

Over The Past close to two decades, Finance Factory Has Successfully Established $1 Billion In Funding For Entrepreneurs Nationwide. See How we can help you achieve your goals.