BUSINESS LOANS

See all the financing solutions The Business Backer offers.

What Kind of Financing Do You Need?

Managing your own small business doesn't leave you with much time to research dozens of financing options. That's where The Business Backer comes in — we can prequalify you for any number of our funding solutions with one simple application. We encourage you to explore all of our financing option listed below. To see the full details of each product, click "Learn More."

FlexFund

FlexFund is a flexible working capital option to manage cash flow and seasonal revenue.

Amount: $5,000 – $200,000

Terms: Daily, weekly, monthly or semi-monthly payments

Small Business Loans

Small business loans are designed to meet the particular needs of small business owners.

Amount: Up to $200,000

Interest Rates: 1.1 – 3.5% monthly rate*

Terms: 4 – 18 months

SBA Loans

The Small Business Administration, or SBA, is a federal agency that facilitates financing for entrepreneurs and small business owners.

Amount: $30,000 – $350,000

Interest Rates: 5.75% – 8% variable rate

Terms: Up to 10 years

Business Line of Credit

A business line of credit is a sound solution for business owners who need ongoing access to capital.

Amount: $5,000 – $150,000

Interest Rates: Starting at 18%

Terms: 1 – 3 years

Long-Term Business Loans

A long-term loan can provide your business with financing that can be repaid over a period of several years.

Amount: $20,000 – $350,000

Interest Rates: Starting at 7.99%

Terms: 1 – 4 years

Short-Term Business Loans

A short-term loan is designed to get businesses the working capital they need quickly and with minimal paperwork.

Amount: Up to $200,000

Interest Rates: Starting at 1.1% monthly rate

Terms: 4 – 18 months

Merchant Cash Advance

A merchant cash advance is the sale of part of a business's future revenue in exchange for a lump sum of working capital.

Amount: Up to $200,000

Factor Rates: Starting at 1.12

Terms: Daily, weekly, monthly or semi-monthly payments

Commercial Real Estate Loans

A commercial real estate loan can help small business owners and real estate agents looking to purchase or refinance commercial real estate.

Amount: $250,000 – $75 million

Interest Rates: 3% – 10% APR

Terms: 10 – 25 years

Invoice Factoring

Invoice factoring, or invoice financing, is an option to sell outstanding invoices for immediate cash.

Amount: 85% – 95% of invoice value

Factor Rates: 0.3% – 1.1% factor per week

Terms: Factor fee depends on amount of time the customer takes to pay the invoice

Startup Business Loans

Startup loans are specifically structured for startup companies that have been in business for less than six months.

Amount: Up to $150,000

Interest Rates: 8% – 20% APR

Equipment Financing

Equipment financing can get you the money you need to purchase or lease new equipment.

Amount: Starting at $10,000

Interest Rates: 3% – 10% APR

Terms: 5 – 10 years

*Average rate is 2.2% monthly interest and 25.8% annualized interest rate. Does not include average origination fee of 3%.

How The Business Backer Can Help

We've been partnering with small businesses across the country since 2007. That experience has helped us diversify and tailor our lending options to suit almost any small business's financing needs. To learn more about how we match you with the right funding solution for your business, please visit our How It Works page.