Choose an Alternative Lender for
Working with a direct lender can give you the business loans you are looking for. No matter what type of business you have, or how long you have been in operation, you may need a loan. There are all kinds of reasons to get a business loan, including working capital, paying off other debts, buying equipment, and much more.
When you work with a trusted alternative lender, you may have the opportunity to get unconventional loans that you would not get through other lenders. That can be very helpful if your business is new, or if you have unique challenges that other lenders will not address.
Lending Obstacles? We Get Around Them
to Serve You Better
Whether you are looking for bad credit business loans or you simply find that borrowing money as a small business is more difficult than it ought to be, you should not give up hope. There are lenders who will help you get the tools and financial backing you need in order to be a strong, growing business.
The standards a small business needs to meet to qualify for a loan are getting stricter today, and that means a lot of businesses are getting pushed out when they really need the financial help to grow. We care about small businesses, and we want to make sure you get the help you deserve.
With the right business funding, most companies can do much more than they ever thought possible. Being part of your success story is important to us, and one of the best ways to become a part of that story is to make sure you have the capital you need to make smart, strong business decisions.
Fast Business Financial Understands the Needs of Small
You don’t have a lot of time to fill out paperwork, and we understand that. You have a business to run. That is why we make it easier for you to get the money you need, when you need it. Bad credit business loans are an option, and if your credit is good that is even better!
By talking with us you can see what we are able to offer, so you can make a choice about how to proceed. There may be other lenders that will help you, but we go out of our way to make borrowing from us easy, convenient, and realistic for those who own small businesses.
We want to partner with small businesses and see them grow, not just hand them some money and move on. As an alternative lender we have options to help you that other lenders cannot provide. You can get a loan to meet your needs, instead of one that only fits the needs of the lender.
Reach out to us today and let us tell you about the options we have for business funding. That way you can choose what works for you, and we can develop a working relationship that will help your business succeed!
If you are ready to get your small business loan from a direct lender you can trust and rely on, you have come to the right place. At Fast Business Financial, we are committed to ensuring that all our customers get the business funding they need and deserve. If we can help you with a business line of credit, we will be happy to. Here are some of the most important things you will want to consider, before starting the process. Always feel free to reach out with any questions you have, as well. We are here for you, and we want to be your choice for a direct lender for small business loans.
Know How the Process Works
The most important thing about the process of getting a working capital loan or other type of business loan is that you understand it. You want to know exactly what you are agreeing to, and you want to be aware of all the terms and conditions of the loan itself. We are very transparent in what we offer, so whether you are seeking out bad credit business loans, or your credit is good and you plan to expand your business, we can help. You will know what you are getting when you work with us, and we will explain the process to you so you can move forward. Many times, you can get funding the same day you apply!
How We Provide Fast, Same-Day Funding
Not all direct lenders for business loans can boast that they provide same-day funding. But Fast Business Financial can offer that service to our customers if they meet certain qualifications. Depending on the type of business you have, how long you have been in operation, and other factors, you may be able to get your funding on the day you apply with us. Even if we cannot offer you same-day funding due to a shorter time in business, a lower credit score, or other reasons, we always strive to provide funding as quickly and efficiently as possible. We want you to have a good experience with us, and we want to see you succeed.
What Kinds of Products Are Available?
We have a wide variety of products available to meet your needs. As a direct lender for small business loans, we understand that there are plenty of business needs you will have throughout the years. As your company grows you may need larger loans, or you may need money for something different from what you needed before. We can offer straight loans, lines of credit, startup loans, equipment loans, invoice financing, merchant cash advances, and much more. Just let us know what you are looking to do, and we will work with you to find the right loan product for your needs and goals.
Identifying What You Really Need
A critical part of getting you the best loan for your small business is identifying exactly what you need. If you are looking for bad credit business loans, Fast Business Financial may be able to help you. If you are seeking out working capital, we have options for that, as well. In short, there are plenty of loan products available. What you want to do as a business owner is get the right one. We will help you do that, so you can have financial backing and peace of mind. Then you can just get back to doing business, and leave the work of creating business funding or offering a business line of credit to us.
Which Type of Loan is the Right Type of Loan?
The right type of loan is the one that works for your business and meets its needs. That means the loan should be tailored to what your business needs the most, and should be something your company can afford. If you get a loan because you are struggling, but then you cannot pay the loan back, you really have not solved anything. You could even be getting your business into significant financial trouble. With that in mind, you will want to find a direct lender for small business loans that understands what your business can safely handle. We want to provide a loan your business can repay, without hardship to you.
What’s Affordable for Your Small Business
To help protect the future of your business, we look at what is affordable. How much money your business has coming in, and how much it has in reserves, will matter. It is not simply a case of how much you would like to borrow, since there is much more to the issue than that. Many businesses would like to borrow large amounts of money to do all types of great things. But they may not be able to comfortably pay back the loan if they do that. At Fast Business Financial, we will be sure not to loan beyond your means, while helping you as much as we can. That way there is a great balance between what you want to do and what is affordable for you.
Credit Scores and Business Loan Qualifying
Your credit score is important. We do offer some bad credit business loans, but you already know that the rates on those loans will be higher than the rates you would have if you had excellent credit. If there are ways you can improve your business’ credit score before you come to us for a loan, you could potentially get a better rate and save a lot of money in interest. Our business funding practices are not entirely based on your credit score, though, because we understand that you — and your business — are much more than just numbers. We look at the complete package when we offer a loan to any business we work with.
Your Time in Business is an Important Aspect
You do not have to be in business for decades to get a loan from us! But we generally do require you to be in business for at least a year. That way you can show us a full year of profit and loss, along with tax information and an established record of paying your vendors and other bills on time. That is a great way to show the strength of your business, and help us understand where you are headed and what you plan to do with the business line of credit or loan you get from us. The longer you have been in business, the more we may be able to do for you when it comes to getting a larger business loan.
What Does Your Business Cash Flow Look Like?
Is your business getting money in regularly? Are you getting in more than you are paying out? Those are important questions you will want to ask, because we will also have to ask. We want to provide you with working capital or other types of loans you need, but we also have to make sure your business has the cash flow to accommodate the loan payment. At Fast Business Financial we love to help our customers, and one of the ways we can do that is by protecting them from the unsavory practices that some lenders may have. We will never loan you more than we feel you can safely pay back, for your business’ long-term financial protection.
What Documents Do You Need to Apply?
We will need to see your tax returns (business and personal), business bank statements, balance sheet, debt information, and profit and loss information. It is also possible we will ask for more documentation if you do not have any of these documents. That is not personal to us, though. Every lender you work with is going to ask you for proof that you have paid taxes, and proof that you have a legitimate business that is making money, has a checking account, and is calculating profit and loss. We work to make it as easy as possible for you, but some things just have to be verified.
Check Out the Details of Your Offer
When you get an offer for a business loan, it is best to check out the details. One offer may not be as good as another, even if they look similar at first glance. We are very transparent about what we are offering, so you can clearly and easily see the details. We will show you how much we are offering, along with the interest rate, the terms you will need to agree to, and how much you will be paying back over time, if all the payments are made on time. Fast Business Financial will also tell you about any penalties, reasons why your rate could rise, and other factors, so you know what you are getting right from the very beginning.
Choose Your Loan and Get Back to Business
Once we make you an offer for a business line of credit, a working capital loan, or anything else, you can choose the offer that is right for you, get funded, and get back to work. As a direct lender for small business, Fast Business Financial understands that your time is very valuable. We want to help you make the most of it, by making the business loan process as easy as possible. Reach out to us today, and let’s get started funding your business!