
We’ll find the right small business loan for you through our 75+ lender network
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​$25K to $10M+
- Small business loans
- One simple and fast application
- Multiple offers with larger amounts
- Lower rates and longer terms
- No minimum credit score
- No real estate collateral needed
Let our knowledgeable experts match you with the right business loan
Business Loan Services
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SBA Loan
Unique Benefits
• Working Capital: 10 Year Term
• Real Estate: 25 Year Term
• Rate: Prime + 1% - 2.75%
• Approvals within 24 Hours, Funding Process 4 - 8 Weeks
• Monthly Payments & No Prepayment Penalty
• Reports to Business Credit Bureaus
Qualifications
• 2 Years Time in Business
• 660+ FICO
• No BKs/Liens/Foreclosures in Last 3 Years
2
Business Term Loan
Unique Benefits
• No Prepayment Penalty
• Monthly Payments Available
• Reports to Business Credit Bureaus
• 1 - 2 Year Terms
• Refinance Up to 2 MCAs Qualifications
• 2 Years’ Time in Business
• $25,000 Deposited Monthly in Business Bank Account or $300,000 Annual Sales
• 600+ FICO
• No BKs/Liens/Foreclosures in Last 3 Years
3
Business Line of Credit
Unique Benefits
• Unsecured
• Same Day Funding Available
• Only Pay for What You Use
• Up to $250,000 Line of Credit
• True Revolver; Each Payment Frees Up Available Funds
Qualifications
• 1 Year Time in Business
• $25,000 Deposited Monthly in Business Bank Account or $300,000 Annual Sales
• 600 Minimum FICO
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4
Business Advance
Unique Benefits
• Unsecured
• Same Day Funding Available
• All Industries
• 6 - 24 Month Terms Available
• Up to $5 Million Funded Amount Qualifications
• 1 Year Time in Business (*6 Months TIB if Depositing Over $50,000 Per Month)
• $20,000 Deposited Monthly in Business Bank Account
• No Minimum FICO
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5
A/R Line of Credit
Unique Benefits
• Revolving Line of Credit
• Facility Size: $250,000 - No Cap
• Line of Credit Amount Fluctuates as A/R Fluctuates (up and down)
• Rates Starting at Prime + 2%
• Up 95% Financing of Current A/R
• 4 - 7 Days Application to Funding
Qualifications
• Minimum $100,000 in Open Receivables on 0 - 60 Day Terms
• $1 Million in Annual Sales
• 1 Year Time in Business
• No Minimum FICO
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6
Inventory Line of Credit
Unique Benefits
• Revolving Line of Credit
• Facility Size $250,000: - No Cap
• Line of Credit Amount Fluctuates as Inventory Fluctuates (up and down)
• Rates Starting at Prime + 2%
• Up to 85% Financing of Inventory Liquidation Value
• 7 - 14 Days Application to Funding
Qualifications
• $1 Million in Current Inventory
• $1 Million in Annual Sales
• 1 Year Time in Business
• No Minimum FICO
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7
Equipment Financing
Unique Benefits
• Private & Vendor Sales
• No Industry Restrictions
• Purchase and Leasing Options
• Financing from $25,000 – $1 Million
• 1 - 5 Year Terms • Rates Start at 8%
Qualifications
• Business Bank Account
• 550 Minimum FICO
• 6 Months Time in Business
• Invoice Required
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8
Sub Debt
Unique Benefits
• Subordinate 2nd Lien Position
• Approval amount based on business cash flow
• No Collateral coverage, No equity, No warrants, & No covenants
• Maximum Funding - $5MM
• Rates Starting at 15% - Up to 24 Month Terms
Qualifications
• $1 Million in Annual Sales
• 1 Year Time in Business
• 600 Minimum FICO
Business Loans & Financing



GHC Funding is partnered with National Business Capital to deliver business loans, lines of credit, equipment financing and more.
Get to Know Us
Welcome to GHC Funding, where strategic financial solutions meet innovation - a leading business loan broker that's partnered with a premier business loan provider - National Business Capital. At GHC Funding, we are dedicated to empowering businesses and entrepreneurs with the competitive edge they need to thrive in today's dynamic marketplace - this requires small business loans, business lines of credit and working capital. Our team of experts specializes in providing not just business loans, but also invaluable insights into technological innovation, strategic planning, and operational efficiencies.
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Securing Funding:
Exploring Business Loan Options
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When it comes to financing your business's growth, you have several avenues to explore, including a business loan, SBA loan, business line of credit, and equipment financing. Each business loan, credit or financing option caters to specific needs and circumstances, giving you the flexibility to choose the one that aligns best with your business goals.
Business Loan:
If you require a lump sum of capital to invest in various aspects of your business, a traditional business loan might be the right fit. With competitive interest rates and structured repayment plans, this option provides you with the funds needed to expand operations, hire new talent, or launch new products.
SBA Loan:
For small businesses looking for affordable financing, an SBA loan could be the ideal solution. Backed by the Small Business Administration, these loans offer favorable terms and lower down payments. Whether you're starting a new venture or looking to expand, an SBA loan provides the financial boost you need.
Business Line of Credit:
In scenarios where you require ongoing access to funds, a business line of credit proves invaluable. This revolving credit line allows you to withdraw funds as needed, making it suitable for managing cash flow fluctuations, covering unexpected expenses, and seizing new opportunities without delay.
Equipment Financing:
Upgrading or acquiring new equipment is often a necessity for business growth. Through equipment financing, you can secure the machinery, technology, or tools required to enhance productivity. This option spreads the cost over time, preserving your working capital while modernizing your operations.
Understanding the differences between a business loan, SBA loan, business line of credit, and equipment financing empowers you to make informed financial decisions. Carefully evaluate your business loan needs and consult with the financial experts at GHC Funding and National Business Capital to determine the best funding solution that propels your business forward.
At GHC Funding, we understand that securing the right financing is only the beginning. That's why we go beyond traditional business loan brokering services, offering our clients a comprehensive partnership aimed at propelling their businesses forward. Our deep industry knowledge allows us to identify cutting-edge technologies and trends that can reshape the landscape. We work closely with business owners to craft tailored strategies that drive growth, enhance market positioning, and maximize operational effectiveness.
SBA Loans
Empower Your Business with SBA Loans:
Your Path to Growth
When it comes to realizing your business's potential, having access to the right financial resources is essential. At GHC Funding, we specialize in offering Small Business Administration (SBA) loans that serve as a catalyst for your growth journey. Our expertise in SBA loans ensures that you can unlock opportunities, expand operations, and propel your business to new heights.
SBA Loans:
Your Bridge to Success
SBA loans are a proven pathway for small businesses to secure funding with favorable terms and competitive interest rates. At GHC Funding, we recognize that each business is unique, which is why our SBA loan solutions are tailored to your specific needs. Whether you're a startup embarking on your entrepreneurial journey or an established business ready to take the next step, our SBA loans offer a reliable source of capital.
Benefits of Choosing GHC Funding for Your SBA Loan:
1. Expert Guidance: Our seasoned financial experts are well-versed in the nuances of SBA loans. We provide personalized guidance, ensuring you understand the process and make informed decisions.
2. Efficiency: We value your time and understand that securing funding is time-sensitive. Our streamlined application process expedites the approval process, getting you the funds you need when you need them.
3. Tailored Solutions: We believe in crafting solutions that align with your business goals. Our SBA loan offerings are flexible and customizable to accommodate your growth trajectory.
4. Business Versatility: No matter your industry or business focus, our SBA loans can be utilized for various purposes. Whether you're looking to expand your premises, invest in equipment, or increase inventory, we've got you covered.
Why SBA Loans Matter:
- Favorable Terms: SBA loans come with extended repayment terms and lower down payments, easing the financial burden on your business.
- Competitive Interest Rates: Enjoy competitive interest rates that enable you to invest in growth without overextending your budget.
- Enhanced Access to Capital: SBA loans provide funding that might not be accessible through traditional lending channels, giving your business a competitive edge.
Your Growth, Our Priority
At GHC Funding, we're not just lenders; we're partners in your success. Our commitment to your growth drives us to offer SBA loans that empower your business aspirations. With our support, you can confidently pursue expansion, seize new opportunities, and realize your vision for your business.
Ready to embark on a journey of growth? Contact us today to explore how our SBA loan solutions can provide the financial foundation you need to propel your business forward. Your success story begins with an SBA loan from GHC Funding.

Business Loan Terms
Unleash Your Business Potential with Tailored Term Loans: Your Gateway to Expansion
Realizing your business dreams often requires more than passion; it requires the right resources. At GHC Funding, we specialize in providing business term loans that serve as a bridge to your growth aspirations. With our expertise in crafting tailored term loan solutions, you can unlock the funds you need to expand, innovate, and take your business to the next level.
Business Term Loans:
Your Gateway to Growth
Business term loans are a powerful tool for businesses seeking capital for expansion, equipment purchase, or investment in new initiatives. At GHC Funding, we understand that every business journey is unique. That's why our term loan solutions are designed to align with your specific needs, ensuring that you have the financial support required to achieve your goals.
Advantages of Partnering with GHC Funding for Your Business Term Loan:
1. Personalized Approach: Our financial experts work closely with you to understand your business's needs and goals. This personalized approach ensures that the term loan solution is tailored to your unique circumstances.
2. Efficiency: We know that time is of the essence. Our streamlined application process and swift approval timelines mean that you can access the funds you need without unnecessary delays.
3. Flexibility in Use: Business term loans from GHC Funding can be utilized for a variety of purposes, from expanding your operations to purchasing new equipment. We empower you to make the best decisions for your business.
4. Customizable Solutions: Your business trajectory is distinct, and our term loans reflect that. We offer flexible terms and repayment schedules that adapt to your growth plan.
Why Business Term Loans Matter:
- Structured Repayment: Term loans come with predictable monthly payments, making it easier to manage your cash flow and financial obligations.
- Investment in Growth: With access to a substantial lump sum, you can invest in initiatives that fuel growth, innovation, and expansion.
- Competitive Interest Rates: Our business term loans offer competitive interest rates, allowing you to capitalize on opportunities without compromising your financial stability.
Our Commitment to Your Success
At GHC Funding, we're not just lenders; we're your growth partners. Our dedication to helping you achieve your business objectives drives us to provide term loan solutions that align with your aspirations. With our support, you can confidently step into the world of expansion, seize opportunities, and turn your vision into reality.
Ready to embark on your growth journey? Contact us today to explore how our tailored business term loan solutions can provide the financial foundation you need to propel your business forward. Your success story begins with a term loan from GHC Funding.

Business Line of Credit
Elevate Your Business Flexibility with Dynamic Lines of Credit: Lifeline to Financial Agility
In the dynamic landscape of business, having the right financial tools at your disposal can make all the difference. At GHC Funding, we specialize in providing business lines of credit that offer unparalleled flexibility and agility. With our expertise in crafting versatile credit solutions, you can empower your business to seize opportunities, manage cash flow, and navigate challenges with confidence.
Business Lines of Credit:
Your Gateway to Financial Agility
Business lines of credit offer a lifeline for businesses seeking on-demand access to funds. Whether you're managing seasonal fluctuations, capitalizing on growth opportunities, or addressing unexpected expenses, our lines of credit provide the financial support you need, precisely when you need it.
Advantages of Choosing GHC Funding for Your Business Line of Credit:
1. Tailored Approach: Our financial experts take the time to understand your business dynamics, allowing us to customize your line of credit to match your unique cash flow needs and growth trajectory.
2. Efficiency: We understand that timing is critical. Our streamlined application process and prompt approval timelines mean you can access your credit line swiftly, ensuring that your business operations remain uninterrupted.
3. Flexible Usage: With a predetermined credit limit, you have the freedom to utilize the funds as needed. Pay interest only on the amount you use, ensuring cost-effective access to capital.
4. Scalable Support: As your business evolves, your financial requirements might change. Our business lines of credit are designed to scale alongside your growth, providing ongoing financial agility.
Why Business Lines of Credit Matter:
- Responsive Funding: Enjoy instant access to funds whenever you need them, providing the agility required to capitalize on growth opportunities and manage unforeseen expenses.
- Cost-Effective Solution: Pay interest only on the amount you use, making lines of credit a cost-efficient tool for managing short-term financial needs.
- Stabilize Cash Flow: Lines of credit help you navigate cash flow gaps, ensuring that your business operations continue smoothly during lean periods.
Our Commitment to Empowering Your Business
At GHC Funding, we're more than just lenders; we're your partners in financial empowerment. Our dedication to your business's success drives us to offer lines of credit that align with your objectives. With our support, you can confidently adapt to market dynamics, seize growth opportunities, and maintain the financial agility that sets your business apart.
Ready to take charge of your financial flexibility? Contact us today to explore how our adaptable business lines of credit can provide the foundation you need to navigate the complexities of business with ease. Your journey to financial agility begins with a line of credit from GHC Funding.

Equipment Financing
Equip Your Business for Success with Specialized Equipment Financing:
Your Path to Innovation
In the modern business landscape, staying ahead requires more than just ideas; it requires the right tools. At GHC Funding, we specialize in providing equipment financing solutions that empower businesses to stay competitive, innovate, and achieve their goals. With our expertise in crafting tailored equipment financing options, you can access the cutting-edge tools you need to propel your business to new heights.
Equipment Financing:
Fueling Your Innovation
Equipment is the backbone of many industries, and having access to the latest technology can be a game-changer. Our equipment financing solutions are designed to help businesses acquire the equipment they need, without straining their cash flow. Whether you're in manufacturing, healthcare, technology, or any industry that relies on specialized tools, our financing options ensure you have the resources required for innovation.
Advantages of Choosing GHC Funding for Your Equipment Financing:
1. Personalized Consultation: Our financial experts work closely with you to understand your business's equipment needs and financial goals. This personalized approach ensures you secure the right equipment financing solution.
2. Efficiency: We recognize that time is of the essence. Our streamlined application process and swift approval timelines mean you can acquire the equipment you need without unnecessary delays.
3. Diverse Equipment Solutions: From heavy machinery to advanced technology, our equipment financing covers a wide range of assets, ensuring that you have access to the tools that drive your business forward.
4. Customizable Terms: We understand that each business is unique. Our equipment financing terms are flexible and adjustable to fit your business's financial structure.
Why Equipment Financing Matters:
- Boosted Productivity: Up-to-date equipment enhances operational efficiency, leading to increased productivity and reduced downtime.
- Competitive Edge: Access to cutting-edge technology sets your business apart, enabling you to offer innovative products and services to your customers.
- Preserved Cash Flow: Equipment financing allows you to acquire necessary assets without depleting your cash reserves, maintaining financial stability.
Our Commitment to Your Innovation
At GHC Funding, we're more than just a financing provider; we're your partners in progress. Our commitment to your business's success drives us to offer equipment financing solutions that align with your innovation goals. With our support, you can confidently invest in technology, increase efficiency, and stay ahead in your industry.
Ready to embark on a journey of innovation? Contact us today to explore how our specialized equipment financing solutions can provide the foundation you need to transform your business. Your path to innovation begins with equipment financing from GHC Funding

Business Loan Guide
A Comprehensive Guide to Securing Your Business Loan, Line of Credit, and Equipment Financing
Introduction:
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When your business needs a financial boost, securing the right loan can make all the difference. Whether you're aiming to cover operating costs, expand your operations, or acquire new equipment, navigating the world of business loans requires careful planning and preparation. In this guide, we'll walk you through the process step by step, covering everything from understanding your needs to getting the funds you require.
Step 1: Define Your Loan Purpose
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Before diving into the loan application process, pinpoint the specific purpose of the funds. Are you looking to sustain day-to-day operations, fund a growth initiative, or purchase essential equipment? Knowing your goal will help you choose the appropriate loan type.
Step 2: Research Your Options
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Business loans come in various shapes and sizes. From traditional banks to online lenders, explore the options available to you. Compare interest rates, repayment terms, and eligibility criteria to find the best fit for your business's financial situation.
Step 3: Evaluate Your Credit Score
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Lenders often consider personal and business credit scores when assessing loan applications. Take the time to review and improve your credit score if needed. A higher credit score increases your chances of approval and better terms.
Step 4: Assemble Your Financial Documentation
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Lenders will want to examine your business's financial health. Gather essential documents such as your business plan, financial statements, tax returns, and bank statements. These documents offer a snapshot of your business's stability and growth potential.
Step 5: Determine the Loan Amount
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Calculate the exact amount you need, factoring in both immediate expenses and potential future needs. Avoid overborrowing, as it could strain your repayment capabilities.
Step 6: Select the Appropriate Loan Type
Depending on your requirements, choose between a business loan, a line of credit, or equipment financing. A line of credit provides flexibility, while equipment financing is tailored for purchasing machinery or tools.
Step 7: Complete the Application
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Fill out the loan application with accurate and thorough information. Provide details about your business's structure, industry, and financial projections. Precision in your application demonstrates professionalism and transparency.
Step 8: Provide Collateral
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Some loans might require collateral to secure the funds. Present potential collateral options, which could include real estate, equipment, or accounts receivable.
Step 9: Showcase Your Repayment Plan
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Explain how you intend to repay the loan. Back up your plan with evidence of steady cash flow, projected revenue, and the positive impact the loan will have on your business's growth.
Step 10: Scrutinize the Loan Terms
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Thoroughly review all terms and conditions before proceeding. Understand the interest rates, repayment schedule, fees, and any potential penalties to ensure you're making an informed decision.
Step 11: Submit Your Application
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Submit your completed application and all required documents to your chosen lender. Double-check for accuracy and completeness before submission.
Step 12: Await Approval
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Lenders will meticulously review your application, perform credit checks, and assess your business's financial stability. Be patient during this process, as it might take a few weeks.
Step 13: Consider Negotiation
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If the loan terms offered are not ideal, don't hesitate to negotiate. Discuss aspects like interest rates and repayment schedules to secure more favorable terms.
Step 14: Accept the Offer
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Upon receiving an acceptable loan offer, review the terms once again and sign the loan agreement. Make sure you have a clear understanding of the agreement's terms before proceeding.
Step 15: Utilize the Funds Wisely
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Once the funds are in your hands, allocate them according to your intended purpose. If you've secured equipment financing, proceed with purchasing the necessary equipment.
Step 16: Repay Responsibly
Adhere rigorously to the repayment schedule outlined in the loan agreement. Timely repayments not only maintain a positive relationship with the lender but also bolster your creditworthiness.
Conclusion:
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Securing a business loan, line of credit, or equipment financing involves a systematic approach. By understanding your needs, researching options, and presenting a well-documented case to lenders, you can secure the funds necessary to drive your business forward. Remember, every step is crucial in paving the way for your business's growth and success.

Business Loans for Bad Credit
How to Secure a Business Loan with Bad Credit: Exploring Your Options
Starting or expanding a business often requires financial support, but what happens when your credit score isn't stellar? While having bad credit might seem like a roadblock to obtaining a business loan, there are still viable options available. In this blog post, we'll explore how to get a business loan with bad credit and the alternative avenues you can pursue.
Understanding Bad Credit and its Impact:
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Before diving into loan options, it's crucial to understand the implications of bad credit. A low credit score indicates to lenders that you may be a risky borrower, making traditional loans harder to secure. However, all hope is not lost; there are strategies to improve your chances.
Steps to Secure a Business Loan with Bad Credit:
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1. Know Your Credit Report: Obtain a copy of your credit report to understand the factors affecting your score. Look for any errors that might be dragging your score down.
2. Build a Solid Business Plan: A well-structured business plan that outlines your goals, revenue projections, and repayment strategy can help convince lenders of your business's viability.
3. Consider Collateral: Offering valuable collateral, such as real estate or equipment, can provide security for the lender, potentially increasing your chances of approval.
4. Seek a Cosigner: If you have a trusted individual with good credit willing to cosign the loan, lenders might be more inclined to offer you favorable terms.
5. Explore Alternative Lenders: Online lenders, microlenders, and community development financial institutions (CDFIs) often have more lenient credit requirements compared to traditional banks.
6. Peer-to-Peer (P2P) Lending: P2P platforms connect borrowers with individual investors, providing an alternative to traditional banking channels.
7. Invoice Financing or Factoring: If your business generates invoices, you can use them as collateral to secure financing.
Alternative Avenues for Funding:
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If securing a traditional business loan proves challenging, consider these alternative funding options:
1. Microloans: These are small loans offered by CDFIs or online lenders, designed to support startups and small businesses.
2. Business Credit Cards: While not a loan per se, business credit cards can provide revolving credit for your business expenses.
3. Crowdfunding: Platforms like Kickstarter or Indiegogo allow you to raise funds from a large number of people who believe in your business idea.
4. Grants and Competitions: Look for business grants and competitions that align with your industry or business model.
5. Bootstrapping: Funding your business from personal savings or revenue generated by the business itself can eliminate the need for external financing.
6. Angel Investors and Venture Capital: If your business has high growth potential, angel investors or venture capitalists might be willing to invest despite your credit score.
Improving Your Credit for the Future:
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While exploring these options, it's essential to work on improving your credit over time. Pay your bills on time, reduce credit utilization, and address any errors on your credit report. Gradually, you can rebuild your creditworthiness and gain access to more favorable loan terms.
In conclusion, bad credit doesn't have to be a roadblock to obtaining a business loan. By understanding your options, being prepared, and considering alternative funding sources, you can still secure the financing you need to bring your business aspirations to life. Remember, each business's situation is unique, so assess your options carefully and choose the path that aligns with your business goals and financial capabilities.

Insights on Business Loans and More
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