Built by Business Owners, For Business Owners
The 24 Hour Business Funding Difference
No matter what your business needs, we have a funding solution designed specifically for it. Every program is backed by our network of 75+ vetted lenders competing to offer you the best terms.
Working Capital Loans
Business Lines of Credit
Commercial Real Estate Loans
Equipment Loans & Leases
Accounts Receivable Factoring
SBA Loans
Term Loans
No Doc Commercial Real Estate Loans
Merchant Cash Advance
Trending
Nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui
January 24, 2020 | Jane Doe
At vero eos et accusamus et iusto odio dignissimos ducimus
January 24, 2020 | Jane Doe
At vero eos et accusamus et iusto odio dignissimos ducimus Nisi ut aliquid ex ea commodi
January 24, 2020 | Jane Doe
At vero eos et accusamus et iusto odio dignissimos ducimus
Absolutely — and honestly, this is our specialty. Over 60% of the businesses we fund were turned down by at least one traditional bank. Banks have rigid, one-size-fits-all criteria. Our network of 75+ lenders has diverse criteria — different credit requirements, different industry preferences, different risk appetites. Where one lender says no, another says yes. We've successfully funded businesses with credit scores as low as 500, businesses less than a year old, and businesses in industries that banks typically avoid. If your business generates revenue, we can very likely find you funding.
Requirements vary by funding type, but our minimum criteria for most programs are: 6+ months in business, $10,000+ monthly revenue, and a business bank account. That's it to get started. We don't require a minimum credit score for all programs. We don't require collateral for most programs. And we don't require years of tax returns to begin the process. Your funding advisor will guide you through any additional documentation needed based on your specific funding match.
We fund businesses across 200+ industries including construction, healthcare, restaurants, retail, transportation, manufacturing, technology, professional services, real estate, agriculture, and many more. While some traditional lenders avoid certain "high-risk" industries, our diverse lender network includes specialists in virtually every sector. If your business generates revenue, we can likely help.
Within 1 hour of submitting your application (during business hours), a dedicated funding advisor will call you to discuss your needs, answer your questions, and begin the matching process. They'll review your options with you, explain the terms clearly, and guide you through next steps. There's no pressure and no obligation — our job is to present you with the best options and let you decide.
Our fastest funding time on record is 4 hours from application to cash in account. Realistically, most working capital loans and lines of credit fund within 24-48 hours. Equipment financing typically takes 2-5 business days. Commercial real estate and SBA loans take longer , some as little as a week — dramatically faster than the 3-6 months banks typically take. Your dedicated advisor will give you an accurate timeline based on your specific funding type during your initial consultation.
No. Our initial application and pre-qualification process uses a soft credit pull, which does NOT affect your credit score. A hard credit pull only happens if you decide to move forward with a specific funding offer — and we'll always tell you before that happens. You can apply, see your options, and compare offers without any impact to your credit.
We are the opposite of predatory lending. We work with established, reputable commercial lenders — many of which are major financial institutions, SBA-approved lenders, and publicly traded companies. All terms are transparent and clearly disclosed before you sign anything. We never charge prepayment penalties on most programs. (verify your program) Our funding advisors are compensated for finding you the BEST deal, not the most expensive one. We're proud of our client satisfaction rating because we treat every business owner with respect and honesty.
our current offerOur current offer as of this writing includes the following from our lending partner:
Small Commercial Real Estate Loans No income or financial documentation is required, this is an asset-based, application-only (1-page application) program.Loans from $50,000 to $500,000 (larger
loans considered in our marketplace).
• Low variable, 2-year fixed, and 5-year
fixed interest rates from Prime + 2%.
• 680 credit score minimum (lower credit
considered in our marketplace).
• Nationwide lending footprint (no
population minimum, rural property
considered).
• Application-only program (1-page
application), no income
documentation or financials required.
• 5-year term, 25-year amortization. 2-
year prepayment penalty (3%, 1%).
Rates vary based on the funding product, your business profile, and market conditions. Working capital loans typically range from 8-30% depending on risk profile. Lines of credit start as low as 7%. SBA loans may offer rates as low as Prime + 2.25%. Equipment financing ranges from 5-18%. Commercial real estate rates start around 5.5%. We always present your exact costs upfront before you commit — with no hidden fees or surprises. Our goal is to get you the lowest rate possible by having multiple lenders compete for your business.
Rates may be presented a "Factoring" . Everything is based on your profile and what lender(s) makes to an offer.
Zero. Applying is completely free. Getting your funding options and personalized quote is completely free. Consulting with your dedicated funding advisor is completely free. You pay nothing unless you accept a funding offer and receive capital. Period.
Yes. While better credit scores typically mean better rates and terms, we have funding programs available for credit scores as low as 500. Our lenders evaluate the whole picture — your revenue, your business performance, your industry — not just a three-digit number. Many of our most successful funding relationships started with business owners who thought their credit disqualified them from everything.
ABOUT
Helping businesses access fast, flexible funding solutions designed to fuel growth and opportunity.
24 Hour Business Funding
R.E.L. Media Group
1690 Boston Rd #1075
Springfield, MA 01129
