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)

4.1

Based on 90 reviews

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Muzamil Khan

Im muzamilkhan frome pakistanI want to start my own business of dairy form of cows I don't have the money for investment kindly grant me a loan for investment I shall be very thankful to for this act of kindness

Santoria Warren

Nicholas Meyer

Josie Lorelli

I recently had the pleasure of working with Dan & Pete at Finance Factory, and I couldn't be more impressed with their service. From start to finish, they were incredibly quick, diligent, and professional.The entire process was seamless, and their team was always available to answer any questions I had. They took the time to understand my financial needs and provided tailored solutions that perfectly fit my situation. Their expertise and efficiency made a potentially stressful experience completely hassle-free.I highly recommend Finance Factory to anyone in need of financial services. Their commitment to excellence is evident in every interaction. Thank you, Finance Factory, for your outstanding service!

Jason Wagner

5 stars all around. Had first call on a Thursday. Did a quick overview of what I was looking for. They called on Saturday. Sunday we went over my options and they walked me through the process. After about 20 minutes I submitted my request. Was approved instantly for the exact amount I asked for in the exact time period. Was approved for 4 years with an 8.99% APR.After dealing with traditional banks for almost 2 months it was a relief to find a lender that was more than reasonable. Very hassle free. Very professional and realistic about meeting my goals. Overall I will end up saving $ compared to what the traditional lenders were offering. Thanks again.

Myles Weathers

I’m grateful for the opportunity to work with Sean, the SR Account Manager with Finance Factory. He showed great customer service, prompt responses, provided insightful information, and made this loan process very simple. It wasn’t the most seamless process due to miscommunication with a lender on my end, but Sean was patient with me and did everything he could to get me the best loan possible. Thank you so much, Sean!

Leah Treffert

Working with Sam has been a pleasure. He answers questions quickly and keeps in touch.

Harrison SVP

Markesia Forward

Asia Carthan

Alejandro (Alex) was phenomenal! Communication was great, and he was on top of EVERYTHING. Moreover, the process moved very quickly. I’m so happy I chose Finance Factory over another competitor that I was considering.