Business Funding
Capital for established businesses.
We review your full financial picture and recommend term loans, lines of credit, or SBA financing that fit how your business operates.
Funding Options for Your Business
Established businesses use this capital to expand, hire, or manage cash flow. We match each request to the products that suit its purpose and repayment capacity.
Term loans
Fixed monthly payments over a set term, suited to major purchases and expansion.
Lines of credit
Draw funds as needed to manage cash flow or cover unexpected expenses.
SBA loans
Government-backed loans with longer terms and lower down payments for qualifying businesses.
Equipment financing
Loans for purchasing equipment, secured by the equipment itself.
Invoice factoring
Outstanding invoices are sold to a funding provider in exchange for cash now.
Merchant cash advances
An advance against future card sales, repaid from daily or weekly revenue.
Up to $5 million
For established businesses
Starting at $10,000
For newer businesses
How the Process Works
Apply
Share your business details and financial information with an advisor.
Get StartedReview
We review your business profile and present the options that fit it.
Receive
Once you are approved, the lender releases the funds to your business account.
Who Qualifies
- 6+ monthsTime in business
Preferred. Options exist for newer businesses.
- $10,000+Monthly revenue
Qualifies for the widest range of products.
Choose How to Begin
Schedule a Consultation
Speak with a business funding advisor about the options available to you.
Schedule a Call
Reviews from Our Clients
“Communication outstanding,they move with urgency and are as informative as it gets. Call them up!!”
“Delivered as advertised and promised”
“The people at TruFinCo were very knowledgeable, responsive, and easy to work with. The process went smoothly and they helped us receive more funding than we had initially expected. Thank you TruFinCo!”
Frequently Asked Questions
What types of businesses do you work with?
We work with businesses in most industries, including restaurants, retail, professional services, construction, healthcare, and online businesses. The lenders we work with also consider businesses that traditional banks often decline.
How much funding can my business qualify for?
Amounts range from $10,000 to $5 million, depending on time in business, monthly revenue, credit profile, and industry. Established businesses with strong financials typically qualify for more. Newer businesses often start lower and grow their limits over time.
How quickly can I get funding?
It depends on the product. Merchant cash advances can fund within 24 to 48 hours, and lines of credit typically fund within 3 to 5 business days. Term loans and SBA loans may take 1 to 3 weeks. We will recommend options that fit your timeline.
What documentation will I need to apply?
Typically 3 to 6 months of business bank statements, 1 to 2 years of business tax returns, profit and loss statements, balance sheets, and business registrations. Larger requests and SBA loans may require more. We will give you a specific list for your request.
Do I need good credit to qualify for business funding?
Stronger credit qualifies for more products and better terms, but options exist across a range of profiles. For owners with FICO scores below 600, we typically focus on revenue-based products that weigh business performance more heavily than personal credit. We also offer credit repair services.
What are the interest rates and terms?
They vary by product, business profile, and market conditions. Term loans typically range from 5 to 30 percent APR over 1 to 5 years. Lines of credit typically range from 8 to 24 percent APR. Merchant cash advances use factor rates, typically 1.1 to 1.5, rather than interest rates. We disclose every cost before you proceed.
Plan Your Next Round of Funding
Tell us what the capital is for, and an advisor will outline the options that fit.