Elevate Your Business With Smart Capital

Access up to $15 million in funding with competitive rates, monthly payment and flexible terms designed to fuel your business growth and expansion.

Takes 3 minutes. No credit inquiry, no harm to your credit score, no SSN.

Preferred Lender
FDIC LendersFast approval
EV SSL
Google 3.9★★★★★48 reviews
Trustpilot rating
$500M+
Funded to Businesses
24-48h
Approval Time
97%
Approval Rate
2,500+
Businesses Funded
How It Works

Get Funded In 3 Simple Steps

Business owners don't have time to waste. Watch, choose, and take action.

1

Watch the CFO message

Hear from John Guillory on how to choose the right financing for your business.

2

Choose your category

Term Loans, Commercial / Investment Real Estate, SBA Loans, or Most Expensive Business Money.

3

Get Pre-Approval Offers

A 3-minute questionnaire — without credit inquiries and no harm to your credit score.

Loan Programs

Premium Financing Solutions

Tailored loan programs designed to meet your business needs at every stage of growth

Term Loans: Fixed monthly payments from 1 to 25 years — from $50K up to $15 million.

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Commercial / Investment Real Estate: Commercial / Investment Real Estate Business Loans to purchase or refinance commercial and investment property.

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SBA Loans: Government-backed SBA programs with long terms and low monthly payments.

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Most Expensive Business Money: For credit scores under 650 — MCA advances and loans. Merchant Cash Advances run 20%–250% (factor rate).

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Best Value

SBA 7(a) Business Loan Program

  • SBA 7(a) Loan Program up to $5 million Current Prime + 3% variable rate
  • Minimum Experian Credit Score 650
  • Minimum 18+ months in business
  • Gross $30k Annually

Loan Term: 10 Years

Loan AmountMonthly Payment
$350,000$4,821
$275,000$3,788
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Flexible

1-25 Year Business Loan Programs

  • Term Loans from $50K – $15 Million
  • Pay by Check or automatic draft
  • Rates starting at US 5 year Treasury Bill + 9.50%
  • Terms 5 to 25 Years
  • Minimum 6 months in business
  • Monthly Payment
  • Must be operating with revenue for a min of 6 months
  • Must have a FICO Score of 575 minimum on EQUIFAX or zero credit
  • Have less than $3,000 in past due debt (collections, unpaid medical bills, tax liens, judgements or charge off accounts)
  • No bankruptcies in the past 12 months or foreclosures in the past 24 months
  • No late payments on your rent/mortgage in the past 12 months
  • Meet the average monthly business cashflow requirement of 3.5k for home based business and 6k for commercial space.
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Startup Friendly

SBA Working Capital & Consolidation Loan

  • Loan Amount: $30,000.00-$350,000.00
  • No minimum credit score requirement
  • Start ups only require a 5% – 10% injection from the borrower
  • Bankruptcy discharged must be 3 years or older
  • No collateral required
  • Rate: 9.50%-13.25% (determined by underwriting depending on risk rate)
  • Term 10 years
  • No prepayment penalty
  • Nationwide Lender
  • Acquisitions, Existing, and Start Up loans for business owners
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Long-Term Options

SBA 504 Business Loan Program

  • Benefits:
  • Loans from $30,000 – $5 Million
  • Interest rates Current Prime + 3% variable rate
  • Low Rates for 20 – 25-year term
  • Multiple loans can be consolidated and/or refinanced
  • Cash out available up to 90% LTV &
  • Up to 20% of the appraised value can be cashed out for working capital
  • Eligibility
  • Business at least 24 months old
  • Debt being refinanced must be a commercial loan.
  • 51% or more owner-occupied
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Fast Approval

Business Line Of Credit

  • Credit lines up to $5 Million
  • Average 6% to 14%, terms upto 36 months with indefinite terms
  • Monthly repayments
  • Minimum score 575
  • Business Line of Credit for Eating / Drinking & Retail Businesses that require Inventory (excluding apparel businesses)
  • 3 Different Lines of Credit:
  • Lines backed by Account Receivables.
  • Lines back by Inventory.
  • Lines Offers a continuous source of working capital
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Let's Grow Together

Ready To Take Your Business To The Next Level?

Our streamlined application process makes it easy to get the funding you need. Get pre-approved today without impacting your credit score.

Get My Pre-Approval Offers Apply Now Videos, E-Books & Brochures
3-minute questionnaire Without credit inquiries No harm to your credit score
Trustpilot rating
100% Free

Free Information, Free Videos, eBooks & Brochures

Learn how business financing works before you apply. Sign up free and get instant access to our videos and guides.

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Free opt-in · Instant access
Free InformationPrograms explained simply
Free VideosWatch and learn at your pace
eBooksIn-depth financing guides
BrochuresProgram details at a glance
FAQ

Frequently Asked Questions

Find answers to common questions about our business loan programs

Our programs have varying credit requirements:

  • SBA 7(a) Loans: Minimum 650 Experian score
  • Term Loans: Minimum 575 Equifax score or no credit
  • Working Capital Loans: No minimum credit score

Pre-approval takes just minutes after completing our questionnaire. Full approval timelines vary:

  • SBA Loans: 2-4 weeks typically
  • Term Loans: 1-2 weeks
  • Working Capital Loans: As fast as 3-5 business days

Yes, some options are available:

  • Our Working Capital program has no minimum credit score requirement
  • Bankruptcies must be discharged for at least 3 years
  • No bankruptcies in past 12 months for term loans

Rates vary by product, creditworthiness, and the rate environment. Typical ranges:

  • Traditional Bank Loans: 5%–10%
  • SBA Loans: 6%–13%
  • Online Business Loans: 7%–99%
  • Business Lines of Credit: 7%–25%
  • Microloans: 8%–13%
  • Invoice Financing: 10%–30% (factor rate)
  • Merchant Cash Advances: 20%–250% (factor rate)
SBA 504 financing for heavy equipment and fixed assets

Pre-approval takes just minutes after completing our questionnaire.

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Success Stories

Client Success Stories

See what business owners say about working with Money Man 4 Business.

Trustpilot 5 star reviewsLatest reviewsVerified on Trustpilot
Full Application

MM4B e-Application / Upload File

Complete the full e-Application form and we'll contact you within 24 hours with funding options.

  • Complete the e-ApplicationTell us about your business and funding needs
  • Upload your filesAttach your documents securely
  • Hear back within 24 hoursWe'll contact you with funding options
Not ready for the full application?

Get Pre-Approval Offers in 3 minutes — without credit inquiries and no SSN required.

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Your information is 100% secure
Trustpilot rating
Trusted by business owners
3.9★★★★★Google · 72 reviews 4.7/5Average rating
97%Approval rate
2,500+Businesses funded

Start your application

We'll contact you within 24 hours with funding options.

3-min Pre-ApprovalNo credit inquiry · No SSN Get My Offers