HOW TO GET A BUSINESS LOAN
SEE YOUR LOAN OPTIONS
Find small business funding options that don’t require perfect credit or a long application process.
“I need a business loan”
It’s easy to say… but you need to make sure you know what that really means.
Many different types of business funding exist with varying costs and terms.
Use the links below to learn about different loan options.
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The Different Business Loan Types Defined
The best place to start is identifying what your specific use will be for the loan.
If your objective for the money isn’t clear, you could end up with higher funding costs or debt risk.
Business Term Loans
SBA Loans
An SBA loan is a small business loan offered by banks and lenders, that is partly guaranteed by the U.S. Small Business Administration. SBA loans have tight lending standards and requirements. However, they offer very flexible rates and terms.
Business Lines of Credit
Equipment Loans
Invoice Factoring
Invoice factoring turns unpaid invoices into fast cash to help finance short-term needs for your small business. This financing option is best for business-to-business type businesses.
Merchant Cash Advances
Merchant cash advance repayments can be structured in two ways.
Business Loan Types Defined
The best place to start is identifying what your specific use will be for the loan.
If your objective for the money isn’t clear, you could end up with higher funding costs or debt risk.
Business Term Loans
SBA Loans
An SBA loan is a small business loan offered by banks and lenders, that is partly guaranteed by the U.S. Small Business Administration. SBA loans have tight lending standards and requirements. However, they offer very flexible rates and terms.
Business Lines of Credit
Equipment Loans
Invoice Factoring
Merchant Cash Advances
An MCA, or merchant cash advance, has historically been for businesses whose revenue comes primarily from credit and debit card sales, such as restaurants or retail shops. Merchant cash advance repayments can be structured in two ways.
Does Your Business Qualify?
- 6 Months in Business
- $15k in Monthly Deposits
- 500+ Credit Score
What you’ll need to apply
- Basic Personal Information
- Basic Business Information
- 6 Months Bank Statements
Less Than Perfect Credit?
We Have Funding Options
We understand every small business owner faces challenges. A low credit score doesn’t mean your business can’t get funded.
Need Funding Fast?
Get Funded in 24 Hours
Cash flow problems can hurt your business. Whether you need emergency repairs, new equipment or money for a marketing campaign, you can get money quickly—unlike the bank.
Does Your Business Qualify?
Minimum Requirements
- 6 Months in Business
- $15k in Monthly Deposits
- 500+ Credit Score
What you’ll need to apply
- Basic Personal Information
- Basic Business Information
- 6 Months Bank Statements
Less Than Perfect Credit?
We Have Funding Options
We understand every small business owner faces challenges. A low credit score doesn’t mean your business can’t get funded.
Need Funding Fast?
Get Funded in 24 Hours
Cash flow problems can hurt your business. Whether you need emergency repairs, new equipment or money for a marketing campaign, you can get money quickly—unlike the bank.
How it works…
Provide us with some basic information
Submit 6 months of bank statements
Choose which option works best and fund!
Find the best funding solution for your business.
Complete the form below. One of our dedicated underwriters will contact you shortly.
JOIN THOUSANDS OF SATISFIED BUSINESS OWNERS.
First Union Lending has helped thousands of small business owners just like YOU.
Michael Helmi
I was blown away off how caring and personal attention my company received from DENNIS C. They made me feel welcome and they had my best interest through the whole process. I would highly recommend them for all your business needs
John Nemeh
Have done multiple loans with Dennis C. The guy goes all out to make it all work. Very professional competent and concerned with maximizing your experience. Will be doing my business with him going forward. 5 stars is not enough!!
Uri Crews
Brandon with First Union took great care of business funding needs. His whole team was professional, responsive and understanding. I would highly recommend their services and look forward to working with Brandon and his team in the future
Small Business Loans— Made Easy.
First Union Lending provides a fast, fair and easy FUNDING application process for SMALL BUSINESSES.
Our DEDICATED underwriters will provide PERSONALIZED service to find the best funding option for YOUR business.
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