Small Business Financing Cincinnati OH

Well, we’re the nation’s largest small business loan marketplace. That’s right, we offer more loan options than anyone else.

And because we’re committed to quality even more than quantity, we feature only the best small business lenders in our marketplace. That includes American Express, Bank of America, Chase, OnDeck, Kabbage, and more.

We also have a 15-minute online application and a proprietary algorithm that matches you to the best loans for your small business – and a team of personal funding managers who can walk you through your options and help you choose the perfect one.

Which means that getting a small business loan through Small Business Loans  is sooo much easier than applying through traditional lenders. In fact, while banks deny 80% of small business owners, we find financing for more than 65% of our applicants.

Did we mention that you can do all of this from the comfort of your office, or even your couch? You don’t even have to put on your shoes to get a small business loan through Small Business Loans 

So the real question is: what are you waiting for? You could have a small business loan 15 minutes from now. We’re here whenever you’re ready to apply…

Nope, we don’t fund any loans so we’re not a lender. We’re an online lending marketplace, which means that we’re simply the bridge between borrowers and lenders. We connect small business owners like you to loan options from our nationwide network of 75+ lenders.

Think of us as the Amazon Prime of small business loans. You shop, then we deliver.

Online marketplaces are everywhere these days – there’s Amazon, Overstock, Etsy, Alibaba, Bonanza, Expedia, and the grandfather of all online marketplaces, eBay.

The coolest thing about using an online marketplace is the convenience – it’s a fast, easy way to compare options, find a good deal, and get what you need.

Our online lending marketplace is no different. Completing our application gives you access to a variety of small business loan options and lenders. This saves you the hassle of going from bank to bank and offers you a simple way to find your best financing solution. Because shopping online is pretty cool but getting a small business loan online is even cooler.

We’re no spring chickens – we’ve been helping small business owners since 2011.

It all started when we noticed how hard it was for small business owners to find the loans they needed to start and grow their businesses. Which was a pretty ridiculous problem, considering that 99% of all American companies are small businesses.

Ever the problem-solvers, we created a solution:Small Business Loans . Flash forward a few years and we’ve helped more than 30,000 small business owners get more than $750 million in loans. So you can feel comfortable knowing that you’re getting expert guidance when you come to Small Business Loans 

There’s absolutely no charge for you to apply through Small Business Loans  and browse our small business loan options. As with any loan, you will pay an interest rate or fixed fee, but that money goes to your lender, not us.

SBA loans are created to offer loans to those who may not otherwise qualify for a conventional commercial loan. Banks agree to take additional risks under the SBA loan program since the federal government will guarantee around 85% of the loan. Primary advantageous of SBA loans versus traditional commercial small business loans:

– Much longer loan maturities (10 years for non-real estate and 25 years for real estate).
– Even more versatile loan covenants.
– Much less restrictive collateral guidelines.
– Much lower down payments– 100% financing possible.

SBA 7( a) loans have far much better repayment terms compared to many available options. Our banking institution partner SBA 7( a) working capital loans, has a 10-year term. SBA 7( a) Commercial Real Estate loans have a repayment term of 25 years. Our long repayment conditions result in very low monthly payments. There are no balloon payments with an SBA 7( a) commercial real estate loan.

SBA 7( a) loans have far much better repayment terms compared to many available options. Our banking institution partner SBA 7( a) working capital loans, has a 10-year term. SBA 7( a) Commercial Real Estate loans have a repayment term of 25 years. Our long repayment conditions result in very low monthly payments. There are no balloon payments with an SBA 7( a) commercial real estate loan.

A lien on business assets is needed for SBA loans, however there is no minimum requirement for the value of those assets.

In the event that you are a start-up business, you will require a business plan to get a bank loan. If you are an existing business in operation for greater than 2 yrs, you will require to put together a summary of the history and nature of your business. Or, if you are growing your business somehow, you will need to describe your business growth plan, how the expansion will absolutely impact income.

In the event that you are a start-up business, you will require a business plan to get a bank loan. If you are an existing business in operation for greater than 2 yrs, you will require to put together a summary of the history and nature of your business. Or, if you are growing your business somehow, you will need to describe your business growth plan, how the expansion will absolutely impact income.

For completely underwritten loans, you will need all of the application forms completed, personal and business income tax return for the last 3 yrs, and an interim financial statement since your very last tax reporting time period. For start-ups, you will need a business plan, projections, and assumptions on which the projections are based. One will not really have business tax returns or financial statements. For credit-based loans, just an application is needed.

Depending upon which loan program you make an application for, approval time can vary. We have loans that take a couple of days for approval and funding, and others that take a number of months, depending upon your requirements and circumstance. Talk to your Loan Representative to determine which loan is suitable for you and particular approval timing of that loan.

Charges are loan specific and are reviewed in even more detail in the loan package. Generally there are zero fees except if you get approved.

Often, this financing could be secured much quicker than loans from banking institutions in our network. These options may also be a great fit if you’ve beened in operation for less than 2 years. Other kinds of financing offered can help you shore up cash flow, purchase equipment, and fund other short-term projects. Call us for more information about how you can use funds to boost your business.

It relies on the bank and your loan application, but normally, banks like to see a down payment of 20% or even more. SBA loans, however, allow around 100% financing depending upon bank underwriting specifications.

SBA loans are created to offer loans to those who may not otherwise qualify for a conventional commercial loan. Banks agree to take additional risks under the SBA loan program since the federal government will guarantee as much as 85% of the loan. Primary advantageous of SBA loans versus traditional commercial small business loans:

– Much longer loan maturities (10 years for non-real estate and 25 years for real estate).
– Even more versatile loan covenants.
– Much less restrictive collateral guidelines.
– Much lower down payments– 100% financing possible.