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Leans on your personal credit and can fit newer businesses. Timing and application order matter, which is why a plan comes before the first application.
Business funding, matched to where your file stands.
Tell us about your business once. A funding expert reviews your application and emails you within 24 hours to talk through which option fits, and in what order.
Free to apply. No approval or amount is guaranteed: any offer comes from a funding partner after its own review.
Three products, one application
Each one fits a different kind of business. Choosing the wrong one first is a common and costly mistake, so the review starts with fit.
SBA loans
For businesses with the time in business, revenue and documentation that SBA lenders look for.
Equipment finance
Secured by the equipment itself, which can make it a fit for newer businesses that need to replace or add a machine or tools.
Not sure which fits? That is what the review is for. You can also read the free business funding readiness guide first.
Four steps, from first question to your decision
Start with the basics. Get the details. Make an informed move.
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Share your next move
Answer a short set of questions about your business, how much you need and what the funding would help you do.
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We build the picture
A funding expert reviews every application and emails you within 24 hours. They may ask for more information to assess the fit.
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Review your options
If an offer is available, look at the full cost, the payment schedule and the conditions before you decide anything.
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Choose your direction
If you accept and meet the remaining requirements, the funding provider arranges the funding. The decision stays yours.
Do not just compare amounts. Compare what happens after.
The number you receive is only part of the decision. Check the rest of any agreement before you accept it, from us or from anyone else.
| Look beyond | Get clear on |
|---|---|
| The headline amount | What actually reaches your account after any deductions |
| A rate or factor alone | Total repayment and every fee |
| A payment that looks small | How often it is collected and what it does to your cash flow |
| "Unsecured" in an ad | Any lien, collateral or personal guarantee |
| "Fast funding" | Outstanding conditions and when funds could actually be available |
| "Revenue-based" | The actual adjustment, reconciliation and prepayment terms |
| A possible renewal | Whether a new review is needed and how the obligations interact |
Questions before you apply
What does it cost to apply?
Nothing. Applying is free. Any offer you receive states its own costs and fees in writing, so review the total repayment, the fees and the payment schedule before you accept.
Does applying pull my credit?
Submitting the form does not itself pull your credit. When you sign the certification on the last screen, you authorize the review it describes, which can include hard or soft credit pulls by us or by a funding partner. Read it before you sign.
How fast will I hear back?
A funding expert reviews every application and emails you within 24 hours. Check your spam or promotions folder if you do not see it.
Do I need good credit?
Requirements vary by product and by funding partner. For newer and smaller businesses, the owner's personal credit usually carries a lot of weight, which is why the application asks for an estimated score. If your file is not ready yet, the free membership has courses and tools to get it ready first.
Who provides the funding?
Funding is arranged through lenders and other funding partners. CreditForward and its funding team are a funding resource, not a bank or a lender, and a partner's own terms and approval decision control. Nobody can promise a yes, an amount or a rate.
What happens to my Social Security number?
It is used to review your application with our funding partners. The application travels over an encrypted connection. Our database keeps only the last four digits and does not keep your date of birth. The full values are in the email sent to our funding team so they can enter your application, and nothing sensitive is written to a log. See the privacy policy for the full picture.
Funding availability, amounts, costs and timing depend on the product, the provider, your business and its approval. Submitting an application does not guarantee an offer. See the full disclosures.
Put your next move on the table.
You do not need to know every funding term to start. Tell us where your business is today and what you want to do next.