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Small Business Loans

Fast Capital 360 helps you find the perfect loan with ease, all with one simple application.
Small Business Loans
Fast Capital 360 helps you find the perfect loan with ease, all with one simple application.
Or Call (866) 449-3584
How much funding do you need?
$5,000 - $14,000
$15,000 - $24,000
$25,000 - $49,000
$50,000 - $74,000
$75,000 - $149,000
$150,000 +
What is your annual business revenue?
$0 - $49,000
$50,000 - $119,000
$120,000 - $249,000
$250,000 - $499,000
$500,000 - $999,000
$1,000,000 +
How long have you been in business?
Just Started
(0-3 Months)
Established
(4 Months or more)
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Finding the perfect program.

What Is a Business Loan?

A business loan is any type of financing created specifically for business purposes. There are many variations of business loans, including term loans, SBA loans, and accounts receivable loans. Each program has its own qualifying requirements, terms and interest rates.


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The Most Common Types of Small Business Loans

Each individual loan type solves a specific business problem. Which small business loan type best fits your business’s needs?

Term Loan

Similar to a traditional bank, a business term loan provides flexibility and stability. Features terms up to 5 years with a set repayment schedule.

Loan Amount:
$10,000—$2,000,000

Loan Term:
1—5 years

Interest Rate:
Starting at 7%

Speed of Funding
As fast as 1 day
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Short-Term Loan

The perfect loan to capitalize on your immediate projects. Businesses can secure upfront capital as soon as the same day, with repayment terms between 3 - 18 months.

Loan Amount:
$3,000—$500,000

Loan Term:
3—18 months

Interest Rate:
Starting at 10%

Speed of Funding:
As fast as same day
Learn More

SBA Loans

Government-guaranteed long-term loans from the Small Business Administration. Terms range between 5 - 25 years.

Loan Amount:
$5,000—$5,000,000

Loan Term:
5—25 years

Interest Rate:
Starting at 6%

Speed of Funding:
As fast as 30 days
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Working Capital Loans

Business financing acquired for the purpose of working capital. Can be used to invest or support in the operations of the business.

Loan Amount:
$3,000—$5,000,000

Loan Term:
3 months—25 years

Interest Rate:
Starting at 7%

Speed of Funding:
As fast as same day
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Equipment Financing

Secure up to 100% of the equipment value. Your business will own the equipment after payback.

Loan Amount:
Up to 100% of equipment value

Loan Term:
1—5 years

Interest Rate:
Starting at 8%

Speed of Funding:
As fast as 2 days
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Business Line of Credit

Borrow up to a maximum credit limit and only pay interest on the capital you borrowed. Repayment terms up to 5 years.

Loan Amount:
$5,000—$500,000

Loan Term:
6 months—3 years

Interest Rate:
Starting at 8%

Speed of Funding:
As fast as 1 day
Learn More

Commercial Loans

Cover major expenses like seasonal inventory purchases or short-term assistance with operating costs. Payment terms between 3 months and 25 years.

Loan Amount:
$3,000—$5,000,000

Loan Term:
3 months—25 years

Interest Rate:
Starting at 7%

Speed of Funding:
As fast as same day
Learn More

Merchant Cash Advances

Borrow against future earnings for immediate capital in one a lump sum. Repayment between 3 - 18 months, including fees.

Financing Amount:
$3,000—$500,000

Term:
3 months—18 months

Factor Rate:
Starting at 1.14

Speed of Funding:
As fast as same day
Learn More

Accounts Receivable Financing

Turn unpaid invoices into capital. Get back to running your business by bridging the gap and shortening your accounts receivable terms.

Financing Amount:
Up to 80% of receivables

Term:
Until receivables are paid

Factor Rate:
Starting at 1.02

Speed of Funding:
As fast as same day
Learn More

What Are the Benefits of a Small Business Loan?

When your business needs additional capital, securing a small business loan can be the best decision you make for your company.

Avoid Cash Flow Disruptions

Each business, no matter their size, experiences periods where working capital is tight. A small business loan can help shorten these stretches, without interrupting operations.

Keep Your Equity

Securing a small business loan allows you to maintain control of your company. You can use your loan however you like and can keep any profits or gains your business generates, all without seeking permission from your lender.

Long-Term Growth

In order to grow, you have to continually invest in your business. A small business loan can enable you to plan for the future without using any working capital from your day-to-day needs.

Expand

Trying to capitalize on a new market? With a small business loan, you can secure the location you need to widen your business’s reach. The more locations you have, the greater your chance to grow.

How Do I Apply for a Business Loan?

Deciding to apply for a small business loan is a big step for your business. Before submitting any applications, let’s review where and how you can apply.

Where to Apply for Small Business Loans

Banks

When applying through a bank, small businesses go through a multi-step process that can take as long as 6 months to complete. Business owners are asked to complete a physical application, meet with a loan officer, and are sometimes even required to present a full proposal for how they intend to use their funds and how it will benefit their business.

Online Lenders

Applying with an online lender involves a simple online application that can often be completed in minutes. Their applications often ask only for basic business and personal information and can even approve your company for a small business loan within hours.


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Some other documents you may need are:
Driver's License
Business/Personal Tax Returns
Bank statements
Voided Business Check
Credit score

The Best Business Loan Offer for You

When the time comes to finally choose the small business loan that’s right for you, it’s crucial to ask yourself and your partners these questions:

  • Can I payback this loan?
  • Am I comfortable with this payment?
  • Am I comfortable whether it's daily, weekly, or monthly?
  • Is this the best rate I can find?
  • Am I aware of all the fees associated with my loan?

If you’ve answered yes to these questions, then congratulations! You’re ready to accept your small business loan and start growing your company.

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