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

Home » Apply Now (Step 5)

Fast & Simple 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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ZIP / Postal Code(Required)

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)

Based on 110 reviews

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J B

Donald and Mitch are a pleasure to work with. I was skeptical but they exceeded my expectations. They are honest and were so helpful. They made the process so easy!!!

Trading Ape

Had an absolute wonderful experience with finance factory. They promise, they deliver. Amazing work ethic especially by the representative who helped me, Alex.

Joseph Rolf

Alex was a superstar! Definitely recommend! Thanks to Dan also!!

Selim Devia

Had an amazing experience thanks to Brady and Pete! Definitely worth the time, they are super friendly and helpful with every question I had and gave me great information for my financing needs.

Elizabeth Alfuente

They were great to work with! Sam and Donald walked us through every step and helped us secure fast funding.

Jason Kim (JK)

Great service

Kristi Espinosa

Working with Alex at Finance Factory was such an stress-free process. Finance Factory was the answer we were looking for to fund our startup business. They are professional, knowledgeable, reliable, and extremely helpful, making the whole process so simple. I highly recommend!

Binjie Lu

Alex and Dan are very helpful getting me the money I need for my business. Great experience with them. Will work with them again in the future.

Jana Tzinberg

My experience with Finance Factory was wonderful and I highly recommend them! I worked with Dan and Donald and was completely impressed. Donald knew just how to help me get what I needed quickly and painlessly. The entire process took less than 24 hours.
Call them! You will be so happy you did!

Stephanie Reynolds

Great experience! Alex and Brandon heard what I needed and took care of me!