Frequently Asked Questions
At Small Business Capital, we believe in transparency, trust, and making business funding simple. Below, you’ll find answers to the most commonly asked questions about business loans, credit building, funding options, and our services. If you don’t see your question listed, contact us today, and our team will be happy to assist you!
Small Business Capital is a trusted funding and credit-building provider that helps small businesses secure fast, flexible financing options. We offer business loans, credit-building programs, equipment financing, and working capital solutions—even for businesses with bad credit or no collateral. Our goal is to connect business owners with the right funding sources to help them grow, scale, and succeed.
Our funding process is designed to be simple, fast, and hassle-free, ensuring that business owners can access the capital they need without unnecessary delays. First, you’ll apply online by filling out our quick pre-qualification form, which has no impact on your credit score. Next, our team will review your business details and match you with the best lenders and funding options based on your needs. Once matched, you’ll receive a loan approval decision within 24-48 hours, and in some cases, even faster. Once approved, funds can be deposited into your account in as little as 1-5 business days, allowing you to focus on growing your business without financial roadblocks.
At Small Business Capital, we offer a wide range of financing solutions tailored to fit businesses of all sizes and industries. Our funding options include secured and unsecured business loans, business lines of credit, equipment financing, and leasing, as well as merchant cash advances (MCAs), invoice financing, and accounts receivable funding. We also specialize in SBA loans, microloans, commercial real estate loans, and business credit-building programs to help businesses secure long-term financial success. No matter your funding needs, our team is here to find the right financing solution for your business and guide you every step of the way.
Funding amounts depend on your business revenue, credit profile, and type of loan, but we provide:
$5,000 – $500,000+ for short-term loans & working capital
$10,000 – $2M+ for equipment financing
$50,000 – $5M+ for commercial real estate loans
Up to $500,000+ for business lines of credit
Our funding experts will match you with the best loan options based on your business needs.
Approval times vary depending on the loan type, but we provide:
Approvals in as little as 24 hours
Funding in 1-5 business days for most loan types
SBA and real estate loans may take longer, but we expedite the process for fast approvals.
Interest rates depend on loan type, credit score, revenue, and lender policies. Typical rates range from:
5% – 12% for SBA loans
7% – 25% for business lines of credit
8% – 30% for equipment financing
15% – 50% for merchant cash advances
We work with multiple lenders to ensure you get the lowest possible rate for your situation.
No. We believe in full transparency—we disclose all loan terms, fees, and repayment details before you accept any offer. No hidden fees, no surprises!
Building strong business credit requires proper structuring and strategic use of credit accounts. Our Business Credit Accelerator Program helps you:
• Register with Dun & Bradstreet, Experian, and Equifax Business
• Open credit-building vendor accounts
• Establish trade lines that report to credit bureaus
• Qualify for higher funding approvals and better loan terms
If you’re serious about separating business credit from personal credit, our program is the perfect solution.
On average, it takes 3-6 months to build an initial business credit profile. With the right strategy and reporting vendors, many business owners see improvements in as little as 90 days.
With strong business credit, you can:
•Qualify for higher loan amounts & better interest rates
• Get approved for business credit cards & vendor accounts
• Separate personal and business finances
• Reduce the need for personal guarantees on loans
With strong business credit, you can:
•Qualify for higher loan amounts & better interest rates
• Get approved for business credit cards & vendor accounts
• Separate personal and business finances
• Reduce the need for personal guarantees on loans
We help businesses across all industries, including:
• Startups & new businesses
• Retail & e-commerce businesses
• Construction & contractors
• Medical & healthcare practices
• Restaurants, bars, and hospitality businesses
• Trucking & transportation companies
If you have a steady business revenue stream, we’ll help you secure funding—even if you’ve been denied by banks before!
Most lenders require:
• Business bank statements (3-6 months)
• Tax returns (for larger loans)
• Profit & loss statements (for some loans)
• Personal identification
We make the process simple and help you gather everything you need for fast approval.
Most of our funding options require at least $10,000/month in business revenue. However, we offer alternative financing solutions for businesses that don’t meet traditional revenue requirements.
Get the Funding Your Business Deserves – Apply Today!
Don’t let lack of capital hold your business back. Whether you need fast funding, better loan terms, or a stronger credit profile, we’re here to help. Our simple, no-obligation application takes just minutes to complete, with no impact on your credit score. Get matched with the best lenders, receive approval in as little as 24 hours, and secure funding in days.