Small Business Loans

Get the working capital loan you need to run the business you want

Fast and Affordable Business Financing:

  • Competitive industry rates

  • Flexible terms to fit your business needs

  • 5-minute application

  • Approval in as little as 4 hours

  • Funding in as little as 24 hours

Minimum Business Requirements:

  • 625 credit score

  • 2+ years in business

  • $250K average annual revenue

Small Business Loans in all shapes and sizes – for projects of all shapes and sizes

Getting access to affordable, reliable financing from a trustworthy lender is at the top of the to-do list for every small business owner. With Funding Victory loans, you can cross that task off your list. With term loans up to $5 Million, rates and terms that meet every business need, and flexible payment options that complement incoming revenue, you can end your search right here.

Why Consider A Business Loan?

Business loans are one of the most versatile forms of business financing available to owners on the market today. They are available in a large range of sizes, come with an array of payment options and there is no limit on the way you can use the funds for your business. Whether you’re looking to grow, maintain daily operations, or build yourself a cash flow safety net to manage the unexpected, Funding Victory can help you build the right loan product for your unique business needs.

Business Flexibility

Funding Victory business loans can be used for any business purpose, unlike business loans provided by traditional lenders and the SBA which often have restrictions on use associated with them.

With competitive rates and a variety of terms and payment plans available, you have the ability to build out a loan product that is created specifically for your business needs.


Competitive rates mean you might end up paying less than a traditional bank loan, keeping more of your hard-earned revenue in your business account, not ours.

With a range of payment terms available, we will work with you to build a payment plan that works with the ebb and flow of your business revenue.

Time Sensitive

Additional bandwidth and free time are not a perk that comes with running a small business; so we established an underwriting process that requires minimal documentation for approval.

With an expedited underwriting process, you can receive approval in as little as four hours and have the funds in your bank in less than three days, so you can get the working capital you need quickly and securely.

Business Loans – What You Need To Know

Business loans are a great working capital resource, regardless of the current priorities of your business.

Whether your focus is expanding your business, ensuring you have cash reserves for slow periods or unanticipated disruptions, or you’re looking for additional cash flow to help maintain daily operations, you’ll be able to find exactly what you need with a Funding Victory Small Business Loan.

Do I Qualify For A Business Loan?

Qualifying for a business loan through Funding Victory is easier than you think! Depending on the amount you are looking to secure, there are minimum criteria that you must meet (perfect credit not required!), including:

  • You must have a personal credit score of at least 625.

  • Your business needs to have been operating for at least two years.

  • You need to have a minimum of $250,000 in annual revenue.

Funding Victory financing products vary by state, so business loans may not be available to everyone. Not to worry! We have a product for every business in every state. Please contact a Funding Victory Financing Specialist to discuss your particular circumstances.

How To Apply?

The Funding Victory business loan application process is quick and painless! It should only take you about 5-10 minutes to get your full application package submitted. Simply fill out our online form, and provide your three most recent bank statements, and…that’s it, you’re done! Once your package has been submitted, a Funding Victory Financing Specialist will be in touch with a decision or, when necessary, to learn more about your business. Once approved, your Financing Specialist will work with you to build out terms and a payment plan that works best for your business.

Who Should Use A Business Loan?

Funding Victory business loans are available to businesses in almost every industry (though some exclusions do apply) and are useful when unexpected expenses arise. Here are the industries that most frequently use our Business Loans:

  • Personal Services

  • Business Services

  • General Contractors

  • Restaurants

  • Retail

  • Specialty Trades

We Silence The Noise On The Internet

There is SO MUCH INFORMATION on business financing available through the internet. Determining what information is correct, which lenders are trustworthy and which financing option is right for you can seem like an impossible task. We’re here to put an end to the noise. As specialists in small business financing for 15 years, we’ve stayed on top of this ever-changing landscape. Our financing specialists have in-depth knowledge of how each financing product works and the situations in which each product is best applied.

And In Your Head

We value and use data just as much as the next guy.

But, we also know that businesses are run by humans, and that many times a fully data-driven scenario is not the appropriate course of action. This is why we take a consultative approach when helping small businesses seeking financing. We listen to your situation. We get a thorough understanding of your needs. We prioritize your wishes around the type of funding you are looking to acquire. We put your mind at ease by helping you find the best possible financing solution for your business.

No Financial Smoke & Mirrors

With Funding Victory, what you see is what you get. We keep the best interests of our customers at the center of the financing process by being up-front about every aspect of the application and funding process. At Funding Victory, our core tenets are transparency, fairness and integrity – this is how we empower business owners to make educated financial decisions and keep their businesses thriving.


What is the minimum Credit Score for a Business Loan?

The minimum credit score requirement for Business Loans is 625.

What are the current interest rates on your Business Loans?

When calculated, our small business loans have competitive industry rates. However, our loans don’t technically have a rate; instead, we charge one fixed price that does not change.  Our pricing may change depending on a number of factors, including your credit score, revenue, your industry, and terms of the loan you choose. Because our loans are short term, when you calculate the “rate,” it will be higher than some other options, but the overall cost is often much less than long-term financing options such as SBA loans or equipment financing.

How are Repayment terms structured for your Business Loans?

Depending on which financing products you qualify for, Funding Victory offers up to a five-year term and monthly, bi-weekly, weekly, and daily payment options.  However, many of our customers use our business loans for short-term working capital needs and opt for a shorter payback period, making daily or weekly payments.Q: How do general small business loans differ from standard SBA loans?Q: What can small business loans be used for?Q: How is using an alternative lender to get a business loan a better option than traditional banks?

How do general Small Business Loans Differ from SBA Loans?

There are many differences between a general business loan and an SBA loan.  The most obvious of these differences is that an SBA loan is backed by the Federal Government, which takes some of the risk associated with the loan away from the lending institution, resulting in much lower interest rates.  However, because the loan is backed by the government, qualifying is much more difficult, and the application and approval processes are much longer.  In fact, approval for most non-PPP SBA loans is contingent on a business owner having exhausted all other financing options along with being able to show that they have invested their own time and money into the business.Q: What can small business loans be used for?Q: How is using an alternative lender to get a business loan a better option than traditional banks?

What can your Small Business Loan be used for?

Small business loans can be used for virtually any purpose – from covering day-to-day business expenses to purchasing new equipment to refinancing existing debt.  However, with a wide variety of financing options available to business owners, you should always do your research on which financing options are best for each of your needs.  For example, just because you can use a business loan to purchase equipment does not mean that you should, equipment financing may be a better fit.Q: How is using an alternative lender to get a business loan a better option than traditional banks?

How is using an Alternative Lender a better option than Traditional Banks?

During the 2008 recession, online lenders gained prominence as an alternative option for many small businesses to obtain financing when traditional bank funding opportunities dried up.  Since then, these lenders have become a common-place resource for business funding.   While your specific needs should dictate where you seek financing, there are some well-known advantages to using alternative lenders, including:

Qualification Requirements: Alternative lenders tend to have less stringent requirements for approval.  Typically, alternative lenders have lower requirements for an applicant’s revenue, time in business, and credit score.Shorter Timelines:

Because of the applications are shorter and fewer documents are required for underwriting, alternative lenders can review, approve and fund business loans in a matter of days – sometimes even in as little as 24 hours depending on how quickly you’re able to get your full application package submitted.Loan Size Flexibility:

Alternative lenders have more flexibility with the funding amounts they will approve, so they are able and willing to finance both smaller and larger amounts than traditional lenders. For example, many banks will not consider loans above $1 Million and the use of those funds is often limited.   However, with many alternative lenders, loans are available in amounts up to $5 Million and the funds can be used for any business purpose. If you need less capital, many banks aren’t as willing to lend out lower amounts because it is not economically feasible for them to do so, while alternative lenders are willing to finance amounts as low as $10,000.Higher Approval Rates:

Because of their easier qualification requirements and simpler application process, alternative lenders approve financing for more small and medium-size businesses than traditional lenders.

Disclosure: Important Notice

Thank you for visiting Funding Victory! As your dedicated business advisor, we specialize in helping business owners and startups secure the funding they need to achieve victory in their ventures. Through our extensive network, we connect you with reputable lending and funding companies. However, please note that Funding Victory is not a financial institution, direct lender, or funding company. All funding decisions are made independently by the lending and funding institutions. Our guidance is not a substitute for professional financial or legal advice, and we prioritize the privacy and security of your information. While we strive to facilitate connections, we cannot guarantee funding outcomes. By using our website, you acknowledge and agree to these terms. For more information or clarifications, please contact us. Thank you for choosing Funding Victory as your trusted partner on your path to financial success and business growth!

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