Fast Business Loans

Time In Business


1 Year in Minimum

Yearly Revenue


$150,000 +



$10,000 to $2M

Credit Score


500+ FICO Score

Fast Business Loans from Wise Business Loans makes it easy for business owners to receive the best quick loans. We provide quick loans online providing you with the funding you need – today.

The best part is that it requires less than 5 minutes to apply. Just fill out our one-page loan application and provide the last three months of business bank statements. All you need is six-plus months in business, monthly revenue of at least $12,500 or more, a personal credit score of 500 or better and you can apply online to get your business funding the next day.

Fast Business Loans


Checking eligibility will not effect credit score.
Thanks to Wise Business Loans, the days of waiting weeks for a fast business loan are over. If you need a loan in just one to two working days, we can help you!
  • Fast Business Cash Loans from $10,000 to $2M
  • Quick and easy business loans with a one-page application process
  • Fast Loans for business with decisions in 24 hours or less
  • Same day business loans upon request

How to Apply for a Business Loan?

Many times, business owners are confused as to the type of business loan they should secure. They know there is a multitude of business loan types including:

  • Business Lines of Credit also known as Revolving Lines of Credit
  • Merchant Cash Advance
  • Term Loans – From short term loan 6 months to 2 years.
  • Cash Advance
  • Invoice Financing
  • Startup Business Loans
  • Bad Credit Business Loans
  • Equipment Financing or Equipment Loan
  • SBA Loans
  • Fast Small Business Loan

Where to Get a Business Loan?

There are as many funding options and business loan types available in today’s marketplace as there are financial institutions. Years ago, a small business owner or entrepreneur would ask around town what the best banks for small business loans are?

Two seminal events changed that forever. The first is the internet where it became easy to “Google” things like, “how to get a small business loan with bad credit?” The second was the explosion of small business funding online after the great recession in the mid 2000’s. Virtually every bank, credit union or other traditional financial institution withdrew from the marketplace.

Around 2005, to fill the void, online lenders developed the ability to offer loans for small business with approvals in a few days and funding within a week. Fast forward to today, as the competition increases, a business owner now has same day business loans online and even instant approvals and same business day funding. Gone are the days when you apply at your bank and wait up to 90 days and sometimes up to six months to find out your loan application is declined. Who can wait for weeks or months when you need funding quickly? No one has that time to apply and wait.

Small Business Loan Requirements and Minimum Qualification

  • Time in Business at least 7 months
  • 5-minute one-page online application
  • The last three months of your most recent business bank statements
  • NO STARTUP BUSINESSES or Businesses 6 months or less
  • Must generate at least $12,500 a month or $150K in annual revenue
  • Must be in business six months plus with increasing revenue
  • No open bankruptcies, tax liens up to $200,000 OK
  • A minimum credit score or FICO 450 or better – bad credit ok
  • No costs, No obligation, SOFT CREDIT PULL, No impact to personal credit score
  • Full Transparency – We Beat any Loan, Rate or Term – GUARANTEED
  • No reporting to the personal credit bureaus
  • We report to the business credit bureaus
  • Fast Business Loans UNSECURED – No assets, collateral or traditional personal guarantee
  • Fast Business Funding with BAD CREDIT or customers with credit difficulties
Fast Business Loans


Checking eligibility will not effect credit score.

Wise Business Loans Quick Business Loans Minimum and Maximum Amounts?

  • Minimum loan amounts are $10,000 to a maximum $2M
  • Same business day loans up to $50K to $100K
  • Next day funding up to $250K
  • Need more money? We go up to $2M. Need even more call us now.
  • Approval decisions 24 hours
  • Funding time one to two business days
  • Repay the loan daily, weekly or monthly payments depending on credit risk
  • No tax returns on business capital less than $100,000


  • Our quick term loan is a perfect financing option if you are looking for fast cash:
  • Need $50,000 to $500,000 with Terms 1 to 5 years starting at estimated APR 5.49%
  • Monthly Payments and no prepayment penalties
  • Loan approvals up to 20% of your gross revenue.
  • Must provide Personal Guarantees
  • 680 ++ Credit Score – Requires strong loan to debt ratio (you are not maxed out on credit card debt)
  • No personal or business bankruptcy in the last seven years
  • Net income on tax returns – at least one of the previous two years should be profitable
  • Minimum 3 years in Business
  • Requires all business owners that are nineteen percent or more on Application
  • No Sole Props
  • Tax Liens – Total less than $1,000 submitted in the past 3 years and must have a payment plan
  • Tax liens – Any presented in the past 10 years Total must be less than $5,000 outstanding if there is no payment plan
  • Small business funding in five to ten days
  • Use of Funds – refinance debt consolidation or outstanding business credit cards. Growth and Expansion

Unsecured Small Business Loans for Bad Credit

Unsecured business loan credit score requirements are FICO score of 550 or better. Are you looking for between $10,000 to $500K? No need for loan calculators. Just take ten percent of your gross annual revenue to funding amount. Factor rates start at 1.18 and can go higher. If you need simple, quick business loans bad credit with terms between five months to twenty-one months. Get a discount if you pay off the loan early. You can re-borrow once you pay fifty percent of your back.

Fast Business Loans


Checking eligibility will not effect credit score.
Success Stories

Raymond McDaniel

Raymond’s Auto Repair

Sarasota, FL

5 Star Rating!

Raymond is the proud owner of a Raymond’s Auto Repair in Sarasota, FL. After opening his doors, in 2014, it took Raymond no time to fix his first car. As word got out, everyone was fixing their cars with Raymond, and he was a happy guy.


Raymond was working harder and harder, but his profits didn’t keep up with his efforts. Everything he tried couldn’t fix his cash flow problems. He told us “he was beginning to doubt whether he was cut out to run a successful and growing business.”

In fact, it seemed his competitors had all the business they needed and then some. Raymond couldn’t figure out how to grab his fair share.

At first, Raymond struggled to figure out how to increase revenue, add more equipment and another employee or two.…until he heard about Wise Business Loans and their quick funding for small business.

So, he filled out the brief business loan application, and it was there that he learned about Wise Business Loans and their fast easy small business loans. It was a simple fast short term business loan with a manageable weekly repayment schedule that gave him the working capital loan to grow and expand.

Raymond received a fast business loan approval the same day for $47,300 and funding the next morning. He was able to advertise, hire a new mechanic and get some much-needed equipment.

The loan was in the business name and did not require a traditional personal guarantee.

His credit was less than perfect (FICO 589), and that did not prevent him from getting business funding and a 7-month term loan. For Raymond, this is the best business loans for bad credit.

How Wise Business Loans Helped

Fast business loans unsecured was a business saver. The best part according to Raymond, is he now feels he “has a relationship with one of the best small business lenders that looks to give him more money with better small business loan interest rates and better terms as he continues to grow.”

Since Wise Business Loans focused on his needs as a direct lender and customized the loan with rates and terms that made sense, Raymond thought it was worth a shot.

Results, Return on Investment and Future Plans

Fast-forward to a year later and Raymond is crushing it! He took another loan for $53,500 and now looks forward to opening his 2nd location and according to Raymond, “believes he’ll have a third one in short order as well.”

And with increased revenue by over 38%, the cash flow to keep growing and the ability to take time off with the family, Raymond’s feeling happy again.

Be like Raymond.

Fill out the brief form or call (888) 331-8926 to speak directly with an underwriter and see how we can get you on the road to profitability and long term success.

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

What We Offer

We can have your complete loan approval back to you the same day and the money in your bank account in just 24 to 48 hours. Compared to conventional loans from commercial banking it can take several weeks (or months!) to get approved and funded.

100% Transparency

Our experts use transparent and friendly conversation to solve all of the difficulties including plans concerning your small business loan. We make sure that you know precisely everything you’re getting into before you get into it. That’s what we call transparency and growth!

Easy to qualify

Get approval in a matter of hours and see the money in your account as fast as one day later. We are committed to helping small businesses achieve long term goals and we want to see entrepreneurs get their businesses where they want them to be.


  • Minimum loan amount is $10,000
  • Same day business loans up to $50K
  • Next day funding up to $150K
  • Need more money? We go up to $5M.

Easy To Qualify

Our professionals use clear and approachable language to explain all of the intricacies and policies of our small business funding. You know exactly what you’re getting into before you get into it. Now that’s transparency!

Our Passion

We love small businesses that want to grow but need just a little help to get started. Funding is the best way to better your business for the future. We enjoy tackling the better issue facing small businesses today. While we grow together we honor your achievements.

Check if you
are elegible

To repay the loan depends on the health of your business and cash flow. Payments are made each day you batch your credit card receipts with our cash advances. Our installment loans get repaid with daily, weekly or monthly payments.

Wise Business Loans Offers Best Rates with a $500 Guarantee:

At Wise Business Loans, we believe you should “put your money where your mouth is.”

If your business receives a written offer in a formal agreement before you funding, show us that offer. We will either beat that rate or pay you $500.

  • Must provide us a written agreement.
  • Type of Loan (i.e., Business vs. Personal or Equipment Lease vs. Term Loan, etc.) must be similar.
  • The duration of a loan must be similar (if Wise Business Lons offers an 18-month loan vs. six-month loans from the competitor, we will adjust our term to reflect rate on six months).
  • If the competing rate is lower than the Wise Business Lons offer and the terms are comparable, (and there are no other materially different loan terms), we will either beat that rate of pay you the $500.

Fast and Easy Business Loans with No Cost, No Obligation, 24 Hour Approvals!