Access up to $500K in working capital in as little as 72 hours
Approved on your bank deposits, not your credit score.
Question 1 of 11
How much funding do you need?
- Won't affect your credit
- Free, no obligation
- Up to $500K
- 1Apply
- 2Get matched
- 3Get funded
- Funded since 2021
- $50M+
- Businesses funded
- 1,200+
- Lenders in our network
- 50
- Typical approval time
- 24 hours
The payment estimator
See what a payment looks like before you apply.
Most lenders will not put a number on a page. The arithmetic is not complicated, and you are entitled to see it before you hand over a phone number rather than after.
Estimated monthly payment
$10,833
- You receive
- $75,000
- Factor rate
- 1.30
- You repay in total
- $97,500
- Over roughly
- 9 months
Loan products
Four ways to get funded.
You do not have to know which one you want. Apply once and we will tell you which of these your file clears, and what each would actually cost. Typical placements, not offers — speed and pricing follow the file.
Advance against future sales
Merchant Cash Advance
A merchant cash advance gives a business a lump sum today in exchange for a fixed percentage of future sales. Approval is based on revenue rather than credit score, so businesses turned down by banks often still qualify. Funding typically lands in one to three business days.
Short-term cash for day-to-day operations
Working Capital Loans
A working capital loan covers day-to-day operating costs — payroll, rent, inventory, payables — rather than a long-term investment. Terms usually run three to eighteen months, decisions come in hours rather than weeks, and most funders weigh recent revenue more heavily than credit history.
Finance the machine, secured by the machine
Equipment Financing
Equipment financing pays for machinery, vehicles or tools, with the equipment itself serving as the collateral. Because the loan is secured by the asset, approval odds are higher and rates are usually lower than unsecured funding — and many businesses qualify with limited credit history.
Draw what you need, pay interest only on what you use
Business Line of Credit
A business line of credit is a revolving limit you draw against as needed, paying interest only on the amount drawn. It suits uneven cash flow and unexpected costs better than a lump-sum loan, and the limit replenishes as you repay.
Industries
Typical use cases.
A carrier’s cash flow looks nothing like a salon’s, and underwriters read them differently. The reason a bank says no is often the reason a revenue-based lender says yes.
Guides
Before you apply.
The questions owners ask us most, answered straight: why the bank said no, what the money actually costs, and how fast it can land.
Why do banks turn down small businesses for loans, and what are the alternatives?
What does $50,000 of business funding cost on each product?
What is the fastest way to get working capital?
Can you get business funding with a 580 credit score?
Payroll is Friday and you are short. What funding arrives that fast?
What factor rate should you expect on a merchant cash advance?
How does merchant cash advance repayment actually work?
Is a merchant cash advance a loan?
The bank said no. What do you actually do this week?
How it works
Application to funded in 72 hours.
Two minutes of your day, and then the work moves to our side of the desk. Here is who is doing what, and when.
- 1
Minute 0
You apply
Eleven quick questions about the business and how much you need. Nothing to upload yet.
- 2
Hour 1–4
We read the file
We work out which lenders in the network write your industry, your state and your revenue band.
- 3
Hour 24
Offers come back
You see them side by side, with the total cost of each stated in dollars rather than percentages.
- 4
Hour 72
Funds land
You take one offer, or none. Walking away costs nothing and leaves no mark on your credit.
Who you’re dealing with
We’re brokers, and we say it out loud.
A lender pays us when your deal funds, which leaves us exactly one job: find the offer you will actually sign, and not waste your week on the ones you will not.
It also means we have no reason to talk you into the most expensive product on the shelf. A deal that funds and gets repaid is worth more to us than one that funds and goes bad.
Your application goes to the lenders who fit your file. Not to everyone with a phone.
The facts
About Business Loans for America.
What is Business Loans for America?
Business Loans for America (businessloansforamerica.com) is a financing marketplace and brokerage for U.S. small and medium businesses, not a lender. A business owner fills in one application, and Business Loans for America matches it to the funders in its network that write that industry, state and revenue band.
Is Business Loans for America a lender?
No. Business Loans for America does not lend money, make credit decisions or hold anyone's financing; the funders in its network do all three. Business Loans for America reads the application, sends it to the funders whose criteria it fits, and helps the owner compare the offers that come back.
Is Business Loans for America a government program or part of the SBA?
No. Business Loans for America is a private company, not a government agency, and it is not affiliated with the U.S. Small Business Administration. It does not arrange SBA loans; its guides point owners to the SBA, credit unions and CDFIs as cheaper options it does not place.
What kinds of funding does Business Loans for America arrange?
Business Loans for America places four products: merchant cash advances, working capital loans, equipment financing and business lines of credit. It does not arrange SBA loans, invoice factoring, or personal and consumer loans.
Can Business Loans for America help if I already have merchant cash advances?
Business Loans for America works with owners who already have one or more merchant cash advances, and funders in its network buy out or consolidate existing advances into a single one when the business's deposits support it. A consolidation usually lowers the daily payment and raises the total repaid, and Business Loans for America shows both in dollars before the owner decides.
How much does Business Loans for America charge business owners?
Business Loans for America charges business owners nothing: there is no fee to apply and no obligation to accept an offer. Business Loans for America is paid by the funders in its network, not by the applicant, and it never asks for an upfront fee, which is the mark of an advance-fee scam.
Does applying through Business Loans for America affect my credit score?
Applying through Business Loans for America does not affect a business owner's credit score. A hard credit pull happens only later, if the owner accepts an offer from a funder that requires one, and the owner is told before it happens.
How fast can Business Loans for America get a business funded?
Through Business Loans for America, decisions typically come back within 24 hours and funding can arrive in as little as 72 hours. Business Loans for America does not control the timeline, the funder does, and the usual delay is the owner gathering recent bank statements.
How much funding has Business Loans for America placed?
Since 2021, businesses working with Business Loans for America have secured $50M+ in financing across 1,200+ placements, through a network of 50 lenders, in amounts up to $500K. These are Business Loans for America's own figures.
Who does Business Loans for America work with?
Business Loans for America works with established U.S. small businesses in all 50 states and Washington, DC, across industries including restaurants, trucking, construction, retail, healthcare, salons and e-commerce. Its funders underwrite mainly on recent bank deposits, so owners a bank has declined, or whose credit is in the 500s, are often still eligible.
Who runs Business Loans for America?
Business Loans for America is owned and run by Alex Makowski, who has been placing funding for U.S. small businesses since 2021 and writes and reviews every guide on the site. Business Loans for America is the trading name of Ellipsis Capital LLC, based in Branchburg, New Jersey.
How do I contact Business Loans for America?
Business Loans for America can be reached at (732) 609-7182 or support@businessloansforamerica.com. Its registered address is 971 US Highway 202N, Suite N, Branchburg, NJ 08876.
FAQ
Questions owners ask.
- I was declined by my bank. Can I still get funding?
- Usually, yes. Banks decline most small business applications for reasons a revenue-based lender treats as ordinary — under two years trading, uneven monthly income, a thin credit file, or an industry the bank classes as high risk. These lenders underwrite on recent deposits rather than credit history, and a bank decline is not a factor in their decision.
- How fast can I actually get $30,000?
- One to three business days is realistic once the file is complete, and decisions frequently come back the same day. The slowest part is almost always producing three to six months of bank statements, so having those to hand is the single biggest thing within your control.
- What credit score do I need?
- For revenue-based funding, often none in the conventional sense — many lenders set no minimum and regularly approve businesses scoring in the 500s. Monthly revenue and time in business carry far more weight. A line of credit is the one product where score genuinely matters.
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K