Small Business Loan
Working Capital Advance

$2,000 to $500,000

Small Business Loans for Bad and Good Credit Bad and Good Credit OK
Suggested Credit Score: 500+

High Approval Ratio

No Tax Returns Required
up to $350,000

No Credit Card Processing

Funds in 48-72 business hours

Terms of 90 days to 20 Years

arrow Fast Small Business Loans
arrow Business Capital Advances
arrow Merchant Cash Advances
arrow Unsecured Business Loans
arrow Flexible Repayment Terms
arrow Common Sense Underwriting
arrow 200+ Business Industries Served
arrow 1,628 Business Funding Sources
arrow Funds in 48 - 72 Business Hours
arrow Apply 24/7 365 Days a Year
arrow No Obligation Application
arrow Online, Safe, Secure, Private

Small Business Application

Check if you have an open bankruptcy
Check if you have an open tax lien
What do you think is the right funding option for you?
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Complete Our Secure Form Complete our secure form today

Complete Our Secure Form If paired with a funding source,
a funding specialist will contact you within the business hour

Complete Our Secure Form Underwriting reviews your information
and pairs you with a solution by the next business day - You provide any additional information to underwriting

Complete Our Secure Form Get funded and keep growing
your business

The Pros of a Business Capital Advance

Bad Credit is Okay!
Credit score of 500+

Funding is fast
2-3 business days

No tax returns required
just a business bank account
with $10,000 in deposits monthly

Only 3 months in business required

The Cons of a Business Capital Advance

No startup loans

Shorter loan terms
3-24 months

Smaller loan amounts
Up to $350,000

Funding costs are
usually higher

The Pros of a Small Business Loan

Longer loan terms
Up to 20 years

Larger loan amounts
Up to $500,000+

Startup loans available

Interest Rates may
be more attractive

The Cons of a Small Business Loan

Both you and the business
must have good credit
Generally 660+ score

Typically it takes
3-6 weeks for funding

Generally the most recent
two years personal and business
tax returns are required

Current profit and loss
and balance sheet required

About 10 seconds after submitting your application, you will be able to see, online, if you have been paired with a funding source. If so, and it's during regular business hours, (M-F 9am to 7pm EST) you should expect a phone call within the hour from a funding specialist.

Your funding specialist will work with you to get your business funding by reviewing your application, asking appropriate questions about your needs and circumstances, ironing out any wrinkles, and finally, will prepare your application for submission to underwriting. Generally, by the next business day you will be contacted again to review your funding options.

Lastly, you can pick a funding option and make your business dream a reality!


Related Loan Programs

Why Use We Give Loans for your Small Business Loan Needs?

Your business is a part of you. Whether it started as a dream that you began in your garage or basement, or as a tradition handed down within your family, it has grown thanks to your dedication and hard work. Sometimes, no matter how many hours you put in, you need a little more working capital to propel you to the next level.

Whether you’re looking to upgrade to a larger space, expand your inventory to expand your horizons, or invest in new technology to make your business more efficient, a small business loan help you and your business reach new heights. From an advance to help you take on a larger project, to a line of credit to help your business adjust during a lean time, small business loans can make the difference between your bottom line being red or black.

At We Give Loans, we work with loan sources that specialize in business loans, business capital advances, merchant cash advances, and lines of credit for small businesses. Simply complete our form and be paired with a small business funding specialist. Your specialist will work with you to help you find the right loan source for your business needs. Even if you personally have poor credit, your business may still qualify for a loan.

You’ve come this far, so take the next step forward. Complete our simple form today and get ready to reach new heights.

Business Capital Advance

Sometimes you need some cash to move forward with your business, but you don’t have the time to deal with all of the rigmarole involved in a traditional business loan. When you need more capital to increase inventory, prepare for a trade show or a large order, or invest in space or equipment, a capital advance can be a great way to get some fast cash. Unlike a traditional business loan, which can require multiple years’ worth of tax returns and profit/loss statements, a capital advance can typically be approved with some basic documentation of your average sales.

There are two types of capital advances. The first is a business cash advance, for which repayment is based on daily sales. No collateral is typically required for these loans, and even if your personal credit is poor, you can often still qualify.

The second type of capital advance is a merchant cash advance. These loans are based upon your sales that are processed via credit cards. Typically, repayment is a fixed percentage of your daily credit card receivables.

With either of these working capital loans, you can get a quick boost of cash for your business, with minimal paperwork and hassle, which can be used for nearly any business purpose. From new point-of-sale equipment, to website upgrades, to renovating an office or storefront, these loans are designed to help you get fast cash for fast growth.

Small Business Loans

A small business loan is a great tool when you have big plans ahead for your small business. From upgrading the servers for your online store, to upgrading the kitchen equipment in your restaurant, small changes in your business can fuel big growth.

As we all know, it often takes money to make money. Wisely invested dollars in equipment, training, personnel, facilities and technology can yield awesome profits and growth. The problem is that we often don’t have all of the cash on hand when the timing is right to move forward.

Business loans can provide working capital to help keep your business moving forward. Typically, you will need to be able to provide detailed financial records, such as tax returns, balance sheets, and profit and loss statements, and have a business plan. However, these loans can offer large amounts of funds with longer repayment periods for large investments and upgrades.

Compared to business capital advance loans, these loans are often a bit more cumbersome with paperwork and a more stringent approval process. However, the ability to borrow $500,000, and sometimes more, makes them quite appealing to business owners with big plans.

To get started, complete our short, simple form. A financing specialist will contact you and pair you with the right loan for your needs. Your financing specialist will guide you through the application and approval process to help you get your loan processed and your funding delivered. We Give Loans makes it easy to help you keep your business growing. Apply today!

Small Business Loan Information, and Resources for Your City and State

Each state, and often an individual city, has valuable resources for small business owners. Here you can find and learn about the various state and city resources for small businesses where your business is located. This knowledge can help you to make an educated borrowing decision.

Alabama (AL)
Alaska (AK)
Arizona (AZ)
Arkansas (AR)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Florida (FL)
Georgia (GA)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IN)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
Washington D.C

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There are no down payment or up-front monies required from We Give Loans, LLC or any of the loan sources advertised on We Give Loans does not recommend ever paying up-front fees to obtain a loan. We urge you to be very suspicious of any such arrangement. Only in the event that you actually receive a loan from a service provider, or lender, will you incur a fee or interest charge. That amount should be disclosed to you by your service provider or lender prior to you obligating yourself to a loan, so you should know your fee structure/APR before obligating yourself to a loan.

We Give Loans, LLC and are not lenders and do not provide short-term loans; but pair consumers with lenders or loan sources who may provide such loans. We Give Loans is not able to provide you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved and accept the loan. APRs vary according to the information supplied by you in your loan request, and your loan source. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process.

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We Give Loans is not a lender and We Give Loans does not engage in debt collection practices. Your lenders' collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We Give Loans makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair and legal conduct.

We Give Loans does not make credit decisions, nor does We Give Loans conduct a credit inquiry on consumers. Some lenders or service providers within the We Give Loans network may (depending on the loan program you are wanting to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances, your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers such as Teletrack or DP Bureau, which will not impact your credit score with: Experian, Equifax, or Trans Union, may be obtained by some service providers or lenders in certain circumstances. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time, your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

This website does not constitute an offer or solicitation to lend. We Give Loans, LLC and, collectively and individually, are not lenders, do not broker loans, and do not make loan or credit decisions. The operator of this website is not an agent, representative, or broker of any lender and does not endorse or charge you for any service or product. provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender.’s purpose is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. does not endorse any particular service provider, lender, or loan product. You are under no obligation to use’s service to initiate contact, nor apply for credit or any loan product, with any service provider or lender. Greater clarity is provided within the disclosure for each loan type. Generally speaking, some service providers or lenders may (depending on the loan program you desire to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers, such as Teletrack or DP Bureau, will not impact your credit score with Experian, Equifax, or Trans Union, and may be obtained by some service providers or lenders in certain circumstances. You will not be charged any fees to use’s service. If you have additional questions concerning this you may contact us.

We would like to remind you that We Give Loans is not a lender, and We Give Loans does not charge any fees for its services. Every lender or loan source in the network provides the consumer with specific terms, conditions, and practices prior to the consumer's acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full, or if you make a late payment. We Give Loans cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. We Give Loans has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We Give Loans does make an effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair, legal, and reasonable manner.

Many of the loan offers that appear on this site are from companies from which We Give Loans LLC, receives compensation. Many more of the loan sources that appear on this site are companies from which we receive no compensation.

The results of our “pairing process”, loan assessments, and reviews are based on objective quantitative and qualitative analysis of loan attributes. They are not affected by compensation.

Compensation may impact which loan sources we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

While we try to feature as many loan offers on our site as we can maintain (3,700+ and counting!), we recognize that our site does not feature every loan company or loan product available on the market.

Additionally, our star ratings are a mix of user feedback and We Give Loan’s independent evaluation which are independent of compensation.