3. Business Term Loan
A lump sum, repaid on a fixed schedule
- Amount
- $20,000 to $1,000,000
- Term
- 12 – 36 months
- Cost
- Starting at 5.5%
- Funded in
- Funded within 24 – 72 hours
75+ lenders · one application
Six ways to funda small business.
This office is not a lender. It is a broker, and what it does is put one application in front of a network of more than seventy-five lenders and bring back what they are prepared to offer. It issues no credit decisions of its own, and every rate, term and ceiling on this site belongs to a lender rather than to us.
- No fee to apply
- A soft credit inquiry
- Fifteen minutes
- Every figure in writing
Start the application (800) 540-2119
Nothing is payable to this office at any stage.
Twelve enclosuresEvery page of this site, numbered
75+lenders one application reaches
$1B+arranged in small business funding, through the network
$5,000the smallest sum any programme here is written for
$1,000,000the largest, on three of the six
Enclosure 1 · Re
A broker, and why that is said first
That distinction is worth making at the top of a letter rather than in a footnote, because it determines what this correspondence is for. A bank can offer you its own product or nothing at all. It is not being dishonest when it declines a business eighteen months old, or one coming off a bad season, or one carrying a file that reads worse than the business runs — it simply has one product and one set of guidelines to measure you against.
Asking seventy-five lenders takes the same fifteen minutes as asking one, and the answer comes back as several offers of different shapes. Comparing them is the part that takes judgement, because the smallest monthly payment and the smallest total cost are almost never the same offer.
Enclosures 3 to 8 are the six programmes, one letter each, with the amount, the term, the cost and the time frame this office publishes for it. Enclosure 2 sets the six side by side if you would rather start there. Enclosure 9 is what happens after you apply, and enclosure 11 is the application itself.
There is no fee for any of this and nothing is payable to this office at any stage. We are paid by the lender whose offer you accept, which is worth knowing, and it is why the specialist on your file is asked to put the right offer in front of you rather than the fastest one.
— The funding desk
Enclosure 3 to 8
The six programmes
Each with the amount, the term, the cost and the time frame this office publishes for it.
4. Business Line of Credit
A limit to draw against, and nothing owed until you do
- Amount
- Up to $1,000,000
- Term
- 6 months to 3 years
- Cost
- Starting at 4.5%
- Funded in
- Funded within 24 – 72 hours
5. Short-Term Business Loan
The same shape as a term loan, over four to twenty-four months
- Amount
- $10,000 to $1,000,000
- Term
- 4 to 24 months
- Cost
- Beginning at 6%
- Funded in
- As quick as 1 – 2 days
6. Working Capital Loans
For the running of the business, not for a purchase
- Amount
- Up to $1,000,000
- Term
- 12 – 36 months
- Cost
- Starting at 4%
- Funded in
- 24 – 48 hours
7. Equipment Financing
Secured on the thing it buys, over one to five years
- Amount
- Up to $250,000
- Term
- 1 – 5 years
- Cost
- As low as 8%
- Funded in
- Not published for this programme
8. Merchant Cash Advance
An advance on future sales, collected out of them
- Amount
- $5,000 to $500,000
- Term
- Follows the sales cycle
- Cost
- Factor rate 10% – 35%
- Funded in
- 24 – 48 hours
In their words
Six letters from customers
- Roselia C.
- As a small business owner and opening a new restaurant, it is a blessing when a company like USA Business Lending Co can provide the capital needed to expand. Jose has been so amazing and worked diligently in getting us exactly what we needed!
- David C.
- This is the second time Johnny has helped us get funding. He seems to really care about his clients to the point that he recommended a plan that paid him less just to make sure we got what was best for us.
- Kathy C.
- Fast and efficient — and caring. I've opened several daily pay loans over the past few years, and this was the best experience by far!
- Jacob T.
- Great company and easy process. I really appreciate the quick response and the follow-up that I received. The process was very easy and quick. Jonathan did a great job of guiding me through the process. I will definitely use them in the future.
- Christina S.
- Tyler was excellent and very professional. I was able to get the funds I needed quickly. The underwriting team was great as well. I highly recommend USA Business Lending Co!
- Ed H.
- Brian was fantastic. He was extremely thorough in explaining the program and I felt he was genuinely interested in my situation. He followed up when I had questions and responded to ALL of my texts and phone calls. I couldn't have asked for a smoother transaction.
For reference
Schedule of enclosures
Every page of this site, numbered. The numbers do not change between letters, so a reference to enclosure 6 means the same page wherever it is made.
Enclosure 11
The application
At no cost and no obligation. Fifteen minutes, six screens, and one application that reaches every lender on the network and qualifies the business for all six programmes in this schedule.
Rather talk to somebody first? (800) 540-2119.