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.

Our Difference

Easy small business funding

Home » Our Difference

Finance Factory is a trusted partner to business owners at all stages of their entrepreneurial journey.

With customized small business lending options and resources to help foster your financial well being, we empower you to do what you do best, and help transform your vision into reality. We know who’s lending and who’s not lending, how to mitigate the amount of inquiries, and their impact on your credit. This leads to higher approval rates, and shorter time frames lowering the cost of capital.

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How We Compare to Other Financing Solutions

	Most Banks	Traditional Credit Lines	Finance Factory
High Approval Rate
Perfect Credit Not Required
Fast Funding Time
No Prepayment Penalty
Minimal Paperwork
Renewable Sources of Capital
Friendly to Startups

Who We Serve

It’s YOU! We are driven to empower individuals and businesses through a tailored financial solution. Our core values form the foundation of our business, and we work every day to deliver on our mission to improve lives. Join us on our journey and let us help you reach your financial goals!

Variety of Solutions

We work to understand the unique needs of each of our customers. We believe in listening carefully to you and delivering on our promises. Whether that need is to get your business off the ground, providing capital to expand, or getting you through payroll, Finance Factory has an answer.

What People Think About Us

Great

Finance Factory (Towson)

Based on 103 reviews

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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!

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Neena Kapoor

I had a fantastic experience working with Pete Johnson from Finance Factory on our new auto loan process. From start to finish, he was incredibly helpful, knowledgeable, responsive, and professional.
His communication was always clear and consistent, and he took the time to ensure I understood every step of the process. Pete truly went above and beyond to make everything smooth and stress-free.
I highly recommend Pete Johnson to anyone looking for a reliable, efficient, and supportive lending professional. Thank you, Pete, for your outstanding service!

Maria Hardy

Finance Factory helped me secure the financing I needed for my business. The experience was excellent from start to finish. They were responsive, knowledgeable, and incredibly easy to work with. They even taught me a few things along the way. Highly recommended!

Paul Nehus

Fund Factory has a very professional Team. They are helpful, responsive, reliable and dedicated. They helped me get what I required to start my business. No hassle and no fuss. I will certainly use them again as needs arise. Highly recommended!!!

Shoaib Shah

John Florer

Although things didn’t work out, they were still able to help me in the end. Will definitely consider them for future options

Romain Bonte

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