Small Business Loans

Learn more about your business financing options, qualifications and more.

Be prepared for anything and review your financing options.

Small businesses have unique qualities that distinguish them from larger companies. Our specialized knowledge helps us understand the intricacies of small business operations, allowing us to identify the best solutions for growth and success. By carefully evaluating different programs, we can assist small businesses in finding cost-effective funding, streamlining processes, and improving overall efficiency. With our support, small businesses can adapt swiftly to changes, thrive in their industries, and achieve their goals.

See if your business is eligible for financing.

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Debt refinancing

Expand a small business

Increase working capital

Purchase equipment or inventory

Your business is essential to us and to everyday people.

That’s why we go the extra mile to ensure you get the best financing option for your business.

Secure up to:

$2 Million

In additional funding

Terms up to:

36 Months

Without collateral

Minimum

600

Credit Score

A straightforward process, so you can focus on running your business.

Connect with one of our experts.
A team member from Valid Financing will be assigned to your file and reach out to go over your funding needs/goals.

Submit application & statements.
An e-signature application & 4 months of recent business bank statements are required. Can be filled out on your phone or computer in less than 5 minutes.

Offers secured.
24 hours after submitting the required documents, we will reach out and go over multiple funding offers.

Funded!
After you select an offer, we can get you funded the same day. The funding process can be completed in 48 hours.

Why choose us

Our priority Is securing your best offer.

At Valid Financing, our mission is to empower businesses by providing tailored and accessible funding solutions. We are committed to fueling your growth and success through our transparent process, personalized support, and unwavering dedication to your financial aspirations.

No application fees

Secure your lowest payback

Secure your max funding amount

Secure your longest repayment terms

Types of business funding options.

Gain access to flexible capital that can be utilized to cover payroll, upgrade equipment, and any other business-related purpose. Use the capital whenever you need it and only pay interest on the money you borrow. A true revolving credit line that can be used over and over again.

Funding from:

$10,000-$250,000

Repayment terms:

6-18 months

Minimum Credit Score:

600

Product Benefits:

  • Control what you draw, when you draw, and what you pay.
  • No early repayment fees, payoff the line early and save.
  • True revolver, each payment replenishes available financing.

Advance future revenue into fast business funding with terms tailored to your business’s cash flow. A great financing option that can be secured quickly with minimal paperwork and without risking collateral or equity.

Funding from:

$10,000-$2,000,000

Repayment terms:

6-48 months

Minimum Credit Score:

550

Product Benefits:

  • Minimal paperwork to get started
  • Review a funding approval within 24 hours.
  • Repayment terms are tailored to your cash flow and based on a small percentage of revenues.

The gold standard for small business owners who want to expand. You get great rates, long repayment terms, and low monthly payments. With a typical 10-year long-term and no prepayment penalty. In most cases, the only collateral needed is a blanket lien on business assets and a personal guarantee.

Funding from:

$30,000-$500,000

Repayment terms:

10 years

Minimum Credit Score:

665

Product Benefits:

  • Highly competitive program, offering the lowest interest rates available.
  • Fastest SBA 7(a) funding time, secure funding within 30 days.
  • Funding can be used for working capital, debt refinancing, and new equipment purchase.

A short-term, fixed-rate loan with stable monthly payments. Funds from these loans can be used in a multitude of ways to help a small business grow. Additionally, paying off a bank term loan responsibly helps to build business credit.

Funding From:

$30,000-$350,000

Repayment terms:

2-5 years

Minimum Credit Score:

670

Product Benefits:

  • Fixed annual interest rates starting at 6.99%
  • Fast loan funding, typically within 2 weeks.
  • Leniency in the use of funds can support construction, remodeling, and more.

Our commitment to excellent client service sets us apart from the competition.

What people say about us

I needed a loan for my business, and Paul helped me a lot; he made the process fast and kept me constantly informed. He is professional; thank you very much for your help! It was a pleasure working with you

Christopher Sager, 20 days ago

an easy, friendly and responsive experience working with Valid Financing to obtain same day approval for our capital funding needs. I highly recommend Valid!

Joaquin Melgar, 28 days ago

The process was very quick and painless. This is my first loan through valid financing and if it goes as expected I will use them again in the future.

Richard Donovan, 14 days ago

Lending partnerships suited for every industry.

Leave the hard work to us. Through our partnerships we connect you to credible & established lenders suited for your specific business needs.

Rapid Financing Logo
Aquina Health Care Financing Logo
Kapitus Small Business funding Logo
BlueVine Business Line of  credit

+65 more

Estimate your SBA 7(a) loan monthly payment.

The gold standard business loan with great rates, long repayment terms and low monthly payments. Use the slider to select your desired loan amount and review estimated monthly payments.*

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Input

30000
%
Years

Estimated Monthly Payment:

*This calculator is a tool meant to help you estimate monthly payment amount based on the information you enter. The monthly payment provided is an estimate meant for illustrative purpose only; loan sizes, interest rates, and loan terms vary and are determined by the applicant’s credit profile.

Key Requirements:

  • FICO of 665 or higher
  • Minimum 2 years in business
  • $250,000 Minimum annual revenue

A deeper look into our funding programs.

24 hour funding time

New businesses eligible

Minimal documents needed

Pros

600 minimum credit needed

Revolving access to funds

Rates starting at 6.20%

Cons

Limited term options

Strict credit requirements

High revenue requirements

48 hour funding time

Low credit eligible

Minimal documents needed

Pros

550 minimum credit needed

Factor rates starting at 1.18

Up to 18 month terms

No collateral needed

Cons

$15,000 monthly revenue required

Limited payment frequency options

Government backed loan

Gold standard business loan

Shortened SBA process

Pros

Terms up to 10 years

Low monthly payments

11.25-12.25% APR range

Accelerated application time

Cons

Financials required

Limited eligible uses

Collateral may be required

Minimum 2 years in business

Prime rates

2-week funding time

Fast application

Pros

Monthly payments

6.99% starting rate

No prepayment penalties

2, 3 or 5 year repayment terms

Cons

Financials required

High annual revenue requirements

Collateral may be required

Minimum 2 years in business

Low credit eligible

1-week funding time

upgrade 2015 or newer

Pros

Monthly payments

Up to $74,000

Up to 60 month terms

Minimal documents needed

Cons

No private-party sales

Down payment required

Low credit eligible

1-week funding time

Additional collateral considered

Pros

Monthly payments

Up to $250,000

Up to 60 month terms

Minimal documents needed

Cons

No private-party sales

Down payment required

Minimum FLV $20,000/unit

What program can my business qualify for?

Each program has their own unique set of requirements and funding process. Thankfully, we do the work for you and connect you with the funding program you will qualify for.

Below is our minimal requirements needed

Minimum Credit Score
550
Minimum Monthly Revenue
$10K
Time In Business
6m
Minimum Deposits Per Month
5
Average Daily Balance
$2K
Max Negative Days
4