Empowering Success Together

Small Business Financing

Serving The Small Business Communities Of Riverside, CA

bUSINESS fINANCING sERVICES

Fast Capital

We offer multiple financing options for businesses including Term Loans, SBA Loans, Advances, Credit Lines, and more! We can even consider borrowers turned down by other lenders due to low credit or other financing barriers.

Funds can be used for most business purposes such as to buy equipment or inventory, for working capital, or to consolidate debt or merchant cash advances.

$1,000 to $500,000+ financing sizes
• Up to 10-year financing terms available
• No minimum credit score required
• No set credit score minimum
• Competitive financing rates with the
option to choose from multiple offers
and product types
• No minimum revenue required
• 100%financing on equipment purchases
This does not apply for startups, in most cases a down payment would be required on a purchase for a startup.
• No minimum time in business (startups
considered for stronger credit profiles
with compensating factors)
• No collateral required
• Loans up to $350K considered application only (larger financings can be considered case-by-case with an application only)
• Approvals available in hours and same
day funding possible
• Most industries are eligible (certain
restrictions may apply)
• 3 to 120-month financing term

CREDIT LINE

Are you seeking flexible access to capital, where you pay only for the funds you need? A revolving business line of credit operates like a credit card, usually offering a higher credit limit and lower interest rate, and you pay interest and fees solely on the funds you utilize.
A business credit line operates like a credit card, usually offering a higher credit limit, and you only pay for the funds you utilize.
There’s no minimum credit score requirement and you can prequalify in minutes without impacting your credit.

You can pay off your balance at any time without incurring penalties and repeatedly draw funds for expansion, emergencies, or any unforeseen business expenses—all through a convenient online portal.

A business credit line operates like a credit card, usually offering a higher credit limit, and you only pay for the funds you utilize. There’s no minimum credit score requirement and you can prequalify in minutes without impacting your credit.

BUSINESS

Business owners can access flexible Conventional Loans or preferred SBA Financing for a variety of business purposes such as to purchase or construct commercial real estate, buy or start a business, for large amounts of working capital, to open a new location, or to consolidate debt or merchant cash advances.

We can even consider borrowers turned down by other lenders due to credit issues, limited collateral, or other financing barriers.

EQUIPMENT

We are one of the nation’s top equipment lenders and our customized term and payment options match your business’s cash-flow cycle. Our innovative loan portal and live personal support enable us to issue financing approvals in hours, and fund in less than a day.

Most equipment and businesses are eligible, and you can count on the most competitive terms and a tailored equipment financing structure that works for you.

CREDIT BUILDER

Even if you have no or low credit, you may still be eligible to prequalify for financing without impacting your credit through our flexible programs.

If financing eligibility remains a challenge, our advisors can assist you in selecting from various Credit Builder products, such as the Credit Builder Loan, Credit Builder Card, Bill and Rent Reporting, and Credit Repair.

With ongoing credit score monitoring, you’ll receive notifications about score improvements and when you’ve re-qualified for better financing terms.

Frequently Asked Questions

Listed here are the most commonly asked questions about who we are and how we operate.
If you have a question that is not found here, please do not hesitate to contact us and we will be happy to address it.

Are We A Lender Or A Broker?

We are authorized agents and partners with a $3.1 billion national financial institution. As such, or partner is an approved direct commercial real estate lender, investment residential lender, business lender, SBA lender, USDA lender, and equipment financing lender. u003cbru003eAdditionally, our partner also administers a cutting-edge, technology-based intermediary loan marketplace that facilitates the placement of loans u003cbru003eit cannot fund in-house, through a strategic network of lending partners. Our Partner lends in all 50 States plus Washington, DC.

What Documents Are Required To Close A Loan?

The documents will vary depending on the financing type.u003cbru003eu003cbru003eu003cstrongu003eEquipment Financingu003c/strongu003e less than $150K (and up to $350K in some cases) requires only:u003cbru003eu003cbru003e▶ A completed verbal or 1-page application for approval, and a few basic items to fund (this is why we can fund in as little as 82 minutes!)u003cbru003eu003cstrongu003eSBAu003c/strongu003e, u003cstrongu003eBusinessu003c/strongu003e, and u003cstrongu003eReal Estateu003c/strongu003e u003cstrongu003eFinancingu003c/strongu003e may require additional documentation such as a personal financial statement, bank statements, financials and/or tax returns.u003cbru003eu003cbru003eu003cstrongu003eDocumentation requirements for the participating lenders in our marketplace will vary by lenderu003c/strongu003e and transaction type. We only partner with the most technology-efficient lenders that have a track-record of performance. Many marketplace loans can fund with basic documentation in as fast as a few hours.

Do we charge any upfront fees?

Our Partner charges standard origination and closing fees. Because they are are a division of a bank, our fees tend to be lower than our competitors. We are happy to provide a fee estimate upon request so there are no surprises.

How Long Does It Take To Close a loan with you?

Closing time depends on the financing type, but we prioritize speed throughout the loan process. u003cbru003eu003cbru003eu003cstrongu003eEquipment and marketplace business financingu003c/strongu003e can be approved and funded in less than 1 day. u003cbru003eu003cbru003eu003cstrongu003eReal estateu003c/strongu003e, SBA, and USDA loan approval can occur in a matter of days (after receipt of a completed loan application), with the entire funding process taking approximately 45 to 90 days.

What collateral will you lend against?

Only commercial real estate, 1 to 4 unit non-owner occupied residential properties held (or to be acquired) for investment purposes, businesses and hard business assets (i.e., equipment, machinery, etc.) are eligible for financing under our programs. u003cbru003eu003cbru003eWe can also provide business financing u003cstrongu003ewithout any collateralu003c/strongu003e in a number of cases. u003cbru003eWe u003cstrongu003edo notu003c/strongu003e offer financing on owner-occupied residential properties, securities or any other types of collateral.