Affordable financing solutions tailored to the unique needs of small and medium-sized businesses.
Your dedicated lending agent will assist you in finding the ideal financial solution for your business, eliminating the need to select a loan type in advance.
We recognize that every business has unique financial requirements. That’s why we provide a diverse range of funding solutions, all in one place, ensuring you have the flexibility to access the right financial tools whenever you need them.
SBA 7(a) loans are government-backed loans that help small businesses secure funding for various purposes, offering flexible terms and low interest rates.
USDA loans are government-backed loans designed to promote economic development in rural areas, with favorable terms such as lower interest rates and longer repayment periods.
Term loans provide businesses with a lump sum of capital, repaid over a set period with fixed or variable interest rates.
Our funding solutions go beyond just providing a financial lifeline—they’re an investment in your long-term success. Whether you need $10K or $25M, we help you secure the capital to grow, not just sustain your business. Best of all, you can borrow with confidence, knowing you’ll repay over time with clear, transparent terms and no hidden fees
Loan amount
An SBA 7(a) small loan offers an opportunity for emerging businesses to unlock government-backed funding to use for almost any business purpose.
This program is designed for established businesses, operational for 2+ years, looking to secure government-backed funding with flexible terms.
loan program
made easy
Specialized loans backed by the U.S. Department of Agriculture aimed at supporting businesses in rural areas and promoting rural economic development.
Borrow what you need up to $500K and pay it back over time with simple terms and no surprise fees. Best of all, applying takes just minutes and comes at no cost or impact to your credit.
Get the working capital you need to grow your business
Take a few minutes to securely fill out our easy, online application.
Receive product recommendations customized to your unique needs.
Review your offers, choose the option that works best for your needs, and access funds.
Unlike banks, we are solely focused on being the best in the world at providing one service: small business loans. iBusiness Funding offers a straightforward and transparent process, manageable and budget-friendly repayment schedules, and competitive interest rates and fees through our large network of SBA 7(a) approved lenders.
We’ve found small business owners tend to work with us for the following reasons:
We will never, under any circumstances, ask you for an upfront fee to apply through the iBusiness Funding Lender Network. Your application and discussions with our dedicated account managers are absolutely free, and there’s no obligation to accept your loan offer.
Typically, we only require basic information about you and your business to start the application. We keep your information secure and private—we don’t sell your information or the fact that you’ve applied for a loan with us to other lenders without your consent.
We may also ask for:
Additional financial information that we need before offering you a loan includes:
Our loans offer flexibility for a range of business needs, including:
Acceptable uses of proceeds may differ by loan product.
Our loan approval process typically takes anywhere from a few weeks to several months, depending on several factors. The overall duration can be influenced by how prepared you are with necessary documentation and how quickly you respond to any requests for additional information.
You generally can choose the loan term that best suits your business needs. However, we sometimes limit the loan term based on several factors, including applicant creditworthiness and selected loan product.
Choosing iBusiness Funding comes with numerous benefits, including flexible loan options tailored to your specific needs and a fast approval process that allows you to access funds quickly. Our team of experienced professionals is dedicated to guiding you every step of the way, ensuring you find the right financing solutions with competitive rates from a large network of lenders. We prioritize building strong relationships, providing ongoing support to help your business thrive and succeed.
We’ve helped thousands of established small and medium businesses grow, create new jobs, and stimulate economic growth in their local communities. We fund a variety of established businesses, including veterinary clinics, pharmacies, cosmetics brands, and many more.
The minimum qualifications for a loan through iBusiness Funding are:
As a business owner, you must have a FICO credit score of at least 640 based on your Experian consumer credit report to qualify for a loan. When a business is owned by more than one person, at least one of the owners must have a personal credit score of 640 or higher. For example, if the business is equally owned by three partners and at least one has a score of 640, then you could qualify.
We will generally only conduct soft personal credit inquiries to underwrite or service your loan, and we only conduct these after you’ve agreed to these inquiries during the application process. The soft pulls of your personal credit will not impact your credit score or show up on reports obtained by other lenders.
We may also check your business credit reports, such as a report from Dun & Bradstreet, Inc. Business report inquiries will not appear on your personal credit reports or impact your personal credit.
These reports help us understand your business and may include data about its revenue, time in business, SIC or NAICS codes, and information about the owners. The reports and info can help us efficiently determine your eligibility for funding.
No. There’s no application fee and no obligation to accept a loan offer.
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