How much do you want to borrow?

$5,000 $200,000

What payment frequency works for you?


Weekly Payment Amount

Apply for Funding

The Business Backer is temporarily not accepting new applications

This loan calculator assumes approximately a monthly interest expense of 1.7%1 and an origination fee of 3%.+ Interest expense and loan amount may vary based on your application information.

The Business Backer
Small Business Loans

Financing designed to meet the everyday
needs of small business owners.

Finance With a Lender That Understands Your Needs

Running a small business takes determination and hours of hard work. It's why we crafted our small business loans to help you spend less time worrying about financing and more time driving your business towards success.

The Business Backer's small business loans are term loans, meaning you get a lump sum payout that you pay back over a set repayment period, plus interest and any fees. Our application and decision process takes just minutes, and we make sure you have the flexibility to choose the repayment schedule that best fits your small business's finances.


Maximum Loan Amount

4 – 18 months

Repayment Period

Daily, Weekly or Semi-Monthly

Payment Frequency

Interest Expense Starting at 1.7% per Month of the Funded Amount1 + 1% – 8% Origination Fee+

Rates and Fees

Minimum Qualifications

1 Year

Time in Business


Annual Revenue


Credit Score

Apply for Funding

The Business Backer is temporarily not accepting new applications

Why Choose Alternative Financing Over Traditional Bank Financing?

Compared to a traditional bank loan, we:

Have simple qualification requirements

Have a fast application process

Require little paperwork

Offer same-business-day funding*

Cater to new businesses open for at least 1 year+

The Business Backer is an alternative online lender. That means we are not a traditional lender, like a bank, and that we operate primarily online. Unlike traditional bank financing — which often has stringent requirements and a weeks- to month-long application and funding process — alternative lenders can offer a faster and smoother funding process.

Our online application takes just minutes to fill out and requires minimal documentation — just three recent months of bank statements. If approved, you can sign your contract and have funds delivered to your bank account within 24 hours.*

Breaking Down the Cost of a Small Business Loan

This is an example of the costs that are a part of every small business loan we fund.

Average 2%
Monthly Interest1

Of Loan Amount

3% Origination Fee+

One-time fee that will be deducted from your loan proceeds.

The Business Backer will never charge you an additional fee for prepaying your loan.

Instead, we actually discount non-accrued interest for early payoffs. And if you happen to need additional financing before paying off, we'll waive the unpaid interest from your first loan.

Small Business Loan Savings Features

Pay Back Early and Save

Customers in good standing who pay off their loan early get a 35% discount on non-accrued interest.

Borrow More When You Need

If you're approved for a second loan before repaying your first, we'll discount 100% of unpaid interest on your first loan and only roll over the outstanding principal from your first loan.

Apply for Funding

The Business Backer is temporarily not accepting new applications

Back to Top