Startup with strong credit? Established business with solid revenue? We have a dedicated program for both — no guessing, no runaround.
Business Line of Credit
SLOC — $50K to $150K
Revolving credit lines for startups and early-stage businesses. Based on your personal credit score — no revenue or business history required.
Merchant Cash Advance
MCA — $10K to $500K
Revenue-based funding for established businesses. Approved on your monthly revenue — not your credit score. Funded in 24–48 hours.
No hard credit pull · Takes 2 minutes · No obligation
The Process
Answer a few quick questions about your credit and funding needs. Takes under 5 minutes. No hard pull yet.
A funding specialist reviews your profile and matches you with the right credit lines. We do the legwork.
Credit lines are activated and accessible within days. Draw what you need, repay, and reuse. Revolving and flexible.
Compare Products
Both programs fund through the same application. Answer a few questions and we'll route you to the right fit automatically.
| 💳 SLOC | ⚡ MCA | |
|---|---|---|
| Funding Amount | $50K – $150K | $10K – $500K |
| Approval Based On | Personal credit score | Monthly revenue |
| Credit Requirement | 680+ personal credit | All types considered |
| Business History | None required | 6+ months |
| Revenue Requirement | None required | $10,000+/month |
| Structure | Revolving line of credit | Lump sum advance |
| Time to Funding | Days | 24–48 hours |
| Collateral | Not required | Not required |
Testimonials
“I had zero business history and was convinced I couldn't get funding. Six weeks later I had $90K in credit lines. Game changer for my agency.”
Marcus T.
Founder, Marketing Agency · 714 credit score
“I'd been turned down by three banks. SMB walked me through the whole process, handled the applications, and got me $120K. Fast.”
Priya R.
E-commerce Entrepreneur · 741 credit score
“No collateral, no business history. I thought it was too good to be true. It wasn't. The revolving structure is exactly what a startup needs.”
James K.
SaaS Founder · 698 credit score
Complete Transparency
Most funding companies bury their fees. We don't. Here's exactly how this works.
We don't charge you to apply, to review your profile, or to connect you with funding. If you don't get funded, you don't pay us anything. Full stop.
When you successfully receive funding, a service fee is applied to the funded amount. This is disclosed clearly on your advisor call before you commit to anything.
Your advisor will walk through every number with you before any applications go out. You will know exactly what to expect before anything happens.
We're a funding consultancy. We work with lenders who pay us a commission when we place qualified borrowers with them similar to how a mortgage broker works. You don't pay the broker directly; the lender compensates them for bringing a qualified client.
In some cases, a service fee is charged on the funded amount. Your advisor will tell you the exact numbers before anything moves forward. No obligation, no pressure just a straight conversation.
Real Questions, Real Answers
We'd rather you ask the uncomfortable ones upfront than walk away wondering.
Still have a question we didn't answer?
Call us at (435) 357-2341Takes 2 minutes. No hard pull. We'll match you to the right program automatically.
Find My Funding OptionsNo commitment. No spam. Just a straight answer.