Your credit counts for more than your age
Several of our lending partners approve on personal credit alone, with no trading history at all. At 680 and above, a business that opened last month stops being the problem.
Business funding
Good credit and a new business? You qualify for more than you think
Most funding assumes you have been trading for years. Several of our lending partners weigh your personal credit instead, so a business that opened last month is not the obstacle you would expect.
Two minutes, entirely online. Checking won’t affect your credit score.
Funding types
Typical rangesMerchant Cash Advance
3+ months in business
$5,000 – $1,000,000
Business Line of Credit
1+ month in business
$10,000 – $750,000
Equipment Financing
1+ year in business
$10,000 – $5,000,000
Typical ranges offered by lending partners. Actual amounts, rates, and terms are set by the lender. US Loan Portal is not a lender and does not make credit decisions.
- Takes about two minutes
- New businesses welcome
- Multiple lending partners
- Checking won’t affect your credit score
Why start here
A young business is not the barrier you think
Most funding assumes years of trading history. Some of our lending partners do not, and that changes what is available to you. We are not a lender; we match your answers against what each one requires.
The equipment is its own security
Financing a truck or a machine is easier than borrowing against a young business, because the asset backs the loan. That is often the fastest route to the thing you actually need.
Answers without the phone tag
Every lender wants the same basic facts. Answer them once, online, and see where you stand without waiting on a callback.
Funding types
What lending partners may offer
Eight types of funding, each with its own requirements. You do not need to know which one you want. That is what the questions sort out.
Merchant Cash Advance
$5,000 – $1,000,000
Advance against your monthly card and bank deposits.
- 3+ months in business
- $5,000+ monthly revenue
- 500+ credit score
Business Line of Credit
$10,000 – $750,000
A revolving credit line you draw from, repay, and reuse.
- 1+ month in business
- $17,000+ monthly revenue
- 551+ credit score
Syndicated Line of Credit
$5,000 – $250,000
Built on your personal credit rather than business history.
- No business history required
- 680+ personal credit score
SBA Loan
$50,000 – $5,000,000
Government-backed, with the longest terms and the strictest requirements.
- 2+ years in business
- 680+ credit score
- $100,000+ annual revenue
Term Loan
$25,000 – $2,000,000
A lump sum with fixed monthly payments.
- 1+ year in business
- 640+ credit score
- $100,000+ annual revenue
Equipment Financing
$10,000 – $5,000,000
The equipment you buy acts as the collateral.
- 1+ year in business
- 550+ credit score
- Equipment quote or invoice
Invoice Factoring
80–95% of invoice value
Turns unpaid invoices from other businesses into cash now.
- Business-to-business invoices required
Real Estate Financing
$75,000 – $10,000,000+
For investment property, residential or commercial.
- 600+ credit score
- Investment property
- Residential or commercial
US Loan Portal is not a lender and does not make credit decisions. We provide information and introduce business owners to third-party lending partners. All funding is subject to lender approval, and amounts, rates, and terms are set by the lender. Ranges shown are typical and not an offer of credit.
How it works
How this works
About two minutes, start to finish.
1
Tell us about your business
A few questions about your credit, your plans, and your business if you have one. No bank statements, no tax returns.
2
We check who fits
Your answers go against what each lending partner actually requires. Time in business, monthly revenue, credit.
3
You see what fits
You see the lending partners whose requirements your business already meets, before anyone calls you. Go further only if you want to.
Where you stand
Buying your first truck, or your third
Going out on your own, or scaling past what you can fund yourself, usually means buying something specific first. Equipment financing is secured by the asset itself, which is why it is often the easiest route open to a newer business.
We match your answers against what each lending partner requires. If nothing fits today, we say so plainly and tell you what usually changes that.
Who this is for
Who tends to come here
Owner-operators buying their first truck, shops adding a second location, contractors going out on their own. Mostly people at the point where the next step needs funding.
Trucking & transport
Auto & repair shops
Salons & personal care
Retail & wholesale
Find out in two minutes
A few questions, no documents, and nothing happens to your credit score.
Checking won’t affect your credit score.