Business Loans: Fast, Direct, and Accessible in 24 Hours.
See funding options tailored to you. No hidden fees. No impact to credit score.
Funded nationwide
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The right funding for your business.
Every company is unique. Three different funding options, each based on your goals, timetable, and income model.
Small Business Loans
What’s included
- Loan amounts from $5K – $20M
- Terms from 3 months to 20 years
- Funds deposited in as little as 24 hours
- No collateral required on most loans
Short-Term Loans
What’s included
- Loan amounts from $5K – $20M
- Terms from 3 to 18 months
- Same-day funding available
- Revenue-based repayment options
Business Credit Line
What’s included
- Credit limits from $10K – $1M
- Draw funds whenever you need them
- Revolving — repay and redraw instantly
- Ideal for seasonal businesses
Funding that moves at your speed.
Three steps from start to funded. No surprises, no hidden fees.
Complete the application.
A simple two-minute form that requires no hard credit pulls or bank visits. Just the fundamentals of your company and the amount of money you require.
Get a decision.
A dedicated funding advisor evaluates your profile and identifies the most suitable offer for your business, so you don’t have to compare options yourself.
Receive your funds.
Sign your agreement and the money moves. Our average funding time is just 12 hours from approval to account.
Trusted by thousands of business owners.
F.A.Q.
Your questions about business financing, answered
Yes — Fundeck is a direct lender. We underwrite and fund every approved loan ourselves, so you work directly with the team making the credit decision.
Most applicants receive funding within 24–48 hours of approval. In many cases, funds can be deposited into your business account as soon as the same day. Options like a merchant cash advance or working capital loan can fund even faster for urgent needs.
No. Our initial application uses a soft credit pull, which does not impact your credit score. A hard pull may only occur if you choose to move forward with a specific loan offer. Even businesses with bad credit can explore options without risk. Learn more about our secured business loans for additional flexibility.
You’ll typically need 3–6 months of business bank statements, a valid government-issued ID, and basic business information. No tax returns or lengthy paperwork required for most products, including SBA loans and equipment financing.
We work with a wide range of industries — restaurants, retail, construction, healthcare, e-commerce, and more. Generally, you’ll need at least 6 months in business and $10,000+ in monthly revenue. Businesses with bad credit may qualify for specialized funding options like a small business cash advance.
Loan amounts range from $5,000 to $20 million depending on your business revenue, time in business, and the type of financing you choose. Commercial business loans and long-term loans offer the highest limits for established businesses.
No. There are never any upfront fees or obligations to apply. You’ll see all terms and costs clearly before you accept any offer. Whether you choose a business line of credit or working capital loan, transparency is guaranteed.
Would you like to start a loan with us?
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