Fast Business Funding. Apply Today, Fund Tomorrow.
Simple, Secure, Soft Credit Pull

Time In Business


1 Year Minimum

Yearly Revenue


$150,000 +



$10,000 to $2M

Credit Score


500+ FICO Score

Minimum qualifications are less than those of banks.
We’re focused on getting you approved so your business can thrive.

You're 5 minutes away from a loan approval.

Remember, there is no cost or obligation to apply!

Business Loan Application

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I look forward in working with you.

"I just want to let you know that it was certainly a pleasure to speak to you. I appreciate the knowledge and instruction that you demonstrated to me.

I look forward in working with you."

- D. Griffin
Tri Commercial, Inc.

Wow. Awesome.

"And thank you both!  You were terrific to work with!  I really appreciated you both putting up with all my questions and your patience and help!!

I couldn't have done it without you!"

Chad H.
C. H. Construction

Is getting financing for your business a challenge?

Did your local bank tell you, “No” when looking to get a business loan?

Do you feel like you’re hitting your head against a wall?

Maybe things are going OK, but you’re looking to grow your business and you don’t have the capital for:


Discount on Supplies

Cash Flow



Bulk Inventory

You need access to capital to do the things you need, now. The question is, “Do you own your business or does your bushiness own you?” Don’t be a slave to your business.

Speak with Our Business Funding Experts

Please complete the form and our one-page application and one of our team of dedicated small business loan experts will call you.


Loans Featured In

Speak with our Business Funding Experts.

Our U.S.-based team is available between 9 a.m. and 8 p.m. ET Monday - Friday and between 11 a.m. to 3 p.m. on Saturday.


Call us at 1-888-331-8926

Frequently Asked Questions

What Does it Take to Apply?

The application process is quite fast and easy relative to the banks and credit unions.

All we require is a simple one-page application and the last 3 months of business bank statements. That’s it!

The banks will require a substantial amount of information. Depending on the loan type, you and all of your business partners, regardless of what percentage they owe, will have to provide an enormous amount of paperwork. There are some 23 separate documents, including the past 3 years of business and personal tax returns, financial statements not to mention the collateral or assets you’re posting to secure the loan.

Which Business Loans or Loan Type are Right for You?

What Business Loans Are the Best?

You want to make sure your lender doesn’t inhibit your ability to get working capital. The growth of your company mustn’t be impeded nor be controlled by the standard orthodox thinking. The business lender that’s right for you will find a way to make a loan happen.

Banks will zero in on those 5 “C’s”. The business forward thinking lenders that provide business loan alternatives know there’s a business loan suitable for almost any business. Irrespective of size, type and organization.

What are Business Loans Interest Rates?

Getting a small business loan that offers a working capital loan shouldn’t add more to your cost. However, the reality is that online loans are generally more expensive than the bank loan. Why? Well, banks are very picky and will lend only to the most qualified individuals. Their businesses must be profitable, in business for at least three years and must demonstrate the ability to repay the loan on a timely basis with the loan being backed by assets or collateral.

So, what happens if you have dinged-up credit as most business owners do, have been in business for a short period of time or in the types of business or industry that is perhaps a bit riskier? What happens if you need fast funding, like tomorrow?

Do you think a bank will get you approved within 24 hours and fund you the next day? Sadly, not every lending institution understands your life. They have not walked in your shoes. Few lenders properly appreciate what it really takes to make a business work. If you are a company needing a smallbusiness loan, it begins by picking the perfect business loan lender. Often times that is the online lender.

Where to Apply for Business Loans?

The online lenders take a different approach. There will be no need for collateral, these loans are unsecured business loans. In fact, you’ll have far more financing options since these lenders have a totally different application process. The online lender will take a more generous approach when considering your credit profile. In fact, your personal credit score can be anywhere from 500 to over 700. This means you can have poor credit and still qualify for loan amounts from $10,000 to $2 million. More emphasis is placed upon the health of your business and its cash flow and your business credit. We are frequently asked two questions.

Does Business Loan Affect My Personal Credit Score?

Checking eligibility will not affect your credit score. Wise Business Loans does a soft credit pull, otherwise known as a soft inquiry initially.

Most of these alternative or online lenders will initially do a soft credit pull on your credit reports. The soft pull has no negative impact to your credit score or credit profile. If you proceed to move forward to secure the loan, all lenders will pull your credit. This will be a hard credit pull and will temporarily impact your credit score. Fortunately, credit inquiries only represent 10% of your credit score and will fall off of your report in 6 months.

What Business Loan Can I Get?

You can get a business loan or merchant cash advance from $10,000 to $2M. Larger loan amounts up from $5M to $30M are on a per request basis. While our requirements are not as stringent as a bank, you must meet our minimums.

You need to be in one of our approved industries. While we will approve some 700 industry types, there are always exceptions or types of industries that we will not approve.

You must be in business for at least 6 months. We do not provide business startup loans.

You must be generating at least $12,500 a month in revenue.

Your credit score should be above 550, however, we will consider lower scores when a business shows strong revenue or growth potential.

Bear in mind, the typical qualifications most if not all traditional or bank lenders use, to varying degrees, is referred to as the five “C’s” of credit. The “C’s” represent the borrower’s Character, Capital, Capacity, Collateral and Conditions.

What this means to you is that you’ll be inundated with lot of documents to be completed and even more time to process. The average borrower will spend over 24 hours completing all the paperwork and will visit on average some 4 banks before approval. While the banks are busy reviewing your “C’s”, what do you get? The “C” that you get is the lost opportunity “Cost”.

Loan Amounts From
$10K - $2MWorking Capital

Apply Today. Quick & Easy
24 Hr to FundWe Will Beat Any Loan, Rate or Term

Business Loans to Grow Your Business

Apply Today – Get Funded Tomorrow

Fast Business Loans makes it easy for business owners to receive the funding they need - today. The best part is that it takes less than 5 minutes to apply. Simply fill out our one-page loan application and provide the last 3 months of business bank statements. All you need is 6 plus months in business, annual revenue of at least $150K, a personal credit score of 500 or better and you can apply online to get your funds the next day.

Thanks to Wise Business Loans, the days of waiting weeks for a quick business loan are over. If you need a loan in just one to two working days, we can help you!

  • Get up to $2m with eligibility
  • Easy Online Application
  • Fast Decision in 24 hours or less
  • Loan Provided in a day

Unsecured Business Loans do not require a you to put up any cash, collateral or assets to secure a term business loan. Banks and traditional lending institutions typically require you to secure your loan with either cash or assets, including personal property and automobiles. Generally, they require three dollars in collateral for every one dollar you look to borrow. If you ask me, if you had the additional three dollars in collateral you wouldn’t need the loan. Naturally, most business owners do not have the assets. If they do, they can hardly risk losing them. Our goal at Wise Business Loans is to make the process as easy as possible for our business owners. We consider far more than your personal credit score and collateral or assets.

The application is a simple one-page questionnaire that can be completed in less than 5 minutes. Find out how easy it is to score an unsecured business loan.

Large Business Loans is a funding option for those looking to secure between $50,000 to $2M. These are term loans that can range from short term to a year or two. Companies that qualify for large business loans generally have annual revenue from between $500,000 to over $10m. The business profile includes being in business over three years with personal credit scores in the mid-600’s or better.

  • Large Business Loan Profile
  • Up to $2M
  • 1st or 2nd position
  • 6 – 24 Months Term Loans
  • Transaction Types
  • Working Capital
  • Unsecured Business Loans
  • Growth Capital
  • Consolidations

Larger loan amounts up from $5M to $30M with 3 – 6-year terms are on a per request basis. You must meet all of the following criteria. $10M plus annual revenue, $2M plus EBITDA, U.S. based. Both secured and unsecured, senior secured, for buyouts, acquisitions, refinance, recapitalization and growth.

The Merchant Cash Advance is also called a cash advance or MCA. These advances are repaid through your future credit card and debit card sales. The merchant cash advance works because they are based on your company’s ability to repay a percentage of your daily batches.  technically, this is not a business loan.

  • No application fee, No cost, No obligation
  • 1-page application, the most recent 3 months’ business bank statements
  • You can avoid the hassle and documentation required for a traditional loan
  • Proof that you've been in business six months or more
  • Minimum annual revenue of $150,000
  • Credit score of 500 or higher
  • Monthly credit card volume processing of $5,000 or more

Ready to get started?