Business funding & small business loans that actually close.

Business funding is any capital extended to a company to operate, expand, or bridge a gap — including business loans, small business loans, lines of credit, merchant cash advances, equipment financing, invoice financing, SBA loans, bridge debt, and private credit. The right product depends on use of funds, time in business, monthly revenue, credit profile, collateral, and how fast capital is needed.

To get funding for a business, start with a one-page application plus the last 3 months of business bank statements. Summit pre-qualifies on a soft pull, scores cash flow, and routes your file to the lenders most likely to win — whether you need a small business loan, line of credit, MCA, equipment finance, or SBA. You'll see multiple competing offers, not a single take-it-or-leave-it quote.

Business funding with bad credit is available through revenue-based products — MCA, lines of credit priced off deposits, equipment financing, and invoice factoring — that underwrite cash flow instead of FICO. Summit approves operators with scores as low as 450 when monthly deposits and daily ledger balances are strong, and offers consolidation to lower daily payments as credit improves.

Same day for MCA and revenue-based products if statements are clean and the file is signed before 2pm ET. Term loans and lines of credit typically fund in 1–7 business days. SBA, ABL, and CRE close in 2–6 weeks. Summit pre-qualifies in minutes so you know speed before you commit.

MCA and revenue-based: 500+ (450 accepted with strong deposits). Term loans and lines of credit: 600+. SBA 7(a): typically 680+. Equipment financing and ABL focus more on collateral than credit. Summit's network covers all bands.

Working-capital products generally approve at 80–150% of average monthly deposits. Term loans go higher with cash-flow underwriting. CRE and ABL are sized to collateral. Most operators between $10K and $5M monthly revenue have multiple options.

For most products: a one-page application, last 3 months of business bank statements, and a photo ID. Larger requests add tax returns, financials, AR/AP aging, and (for CRE/ABL) collateral schedules.

Pre-qualification at Summit uses a soft pull — no impact on your personal score. A hard pull only occurs if you accept terms and the funder requires it for final approval.

Summit underwrites every file in-house, holds paper as a direct funder on deals we like, and routes the rest across a 70+ lender network. You get one application, multiple competing offers, and a senior broker negotiating pricing — not a form that sells your contact info.