Revenue Based Financing
For businesses with steady card sales or bank deposits that need cash quickly. Payments flex with revenue, and mid-600 credit is commonly considered.
Explore revenue based financing
Now reviewing funding requests nationwide
Small business loans from $10K to $10M, bad credit considered
SmallByzLoans helps business owners find small business loans and business funding when a bank says no. Fast business funding, working capital, and SBA loan alternative programs, reviewed with one short form and no hard credit check.
No cost to check options
Short form does not pull credit
Mid-600 scores considered
$0MMax request
0sShort form
0+Credit considered
0+Industries served
Same-day review possible*
Why business owners choose us
A funding review built around your business, not just your score
No hard credit pull to check
The short form runs a soft check only. See your options first, decide if you want to move forward after.
Matched to the right program
Revenue based financing, term loans, and working capital are all reviewed side by side for your file.
A specialist, not a script
A funding specialist reviews your form directly and reaches out by phone or email to talk through options.
Built for real growth
Funding reviewed on your terms, not a bank's timeline
These are the same figures from the top of the page, worth a closer look on their own. Every number reflects what business owners actually experience once they submit the short form.
$10K to $10MRange of requests reviewed
60 secondsTo complete the short form
600+Credit scores commonly considered
250+Industries served nationwide
Funding programs
Business funding options built for real businesses, not just perfect credit
Small business funding is not one product. It is a set of tools that fit different needs, timelines, and credit profiles. SmallByzLoans reviews your business against three core programs before recommending a path forward.
Business Term Loans
For established businesses that want a fixed loan amount and predictable monthly payments for planned growth.
Explore term loansWorking Capital Loans
For short-term needs such as payroll, inventory, or a seasonal cash flow gap.
Explore working capitalNeed something more specific? SmallByzLoans also offers:
Credit basics
What counts as bad credit for a small business loan?
Bad credit for a small business loan generally means a personal credit score below 630, using the FICO scoring model most lenders reference. Many alternative lenders still work with scores in this range because they weigh revenue, deposits, and time in business alongside the score, not instead of it.
| FICO score range | What it typically means |
|---|---|
| 800 to 850 | Exceptional |
| 740 to 799 | Very good |
| 670 to 739 | Good |
| 580 to 669 | Fair, often called subprime |
| 300 to 579 | Poor |
Most of the programs on this page are built for the fair range and the upper end of poor, roughly 500 to 650. If your score sits below 500, revenue based financing or a secured option is usually a better starting point than a term loan. Read Can I Get a Business Loan With a 650 Credit Score? or go straight to bad credit business loans. If you are specifically searching for business funding for bad credit, revenue based financing and the bad credit program above are usually the fastest starting points.
How the check works
Hard credit check vs. soft credit check: what the short form actually does
A hard credit check happens when a lender pulls your full credit report to make a lending decision, and it can lower your score by a few points for a few months. A soft credit check does not affect your score and is commonly used for pre-qualification steps like this one.
Hard credit check
- Pulls your full credit report
- Can lower your score for a few months
- Used by lenders during final underwriting
Soft credit check
- Does not affect your credit score
- Used for this page's 60-second short form
- Lets you compare options before you commit
The short form on this page runs a soft check only. If a specialist matches you to a program and you continue into the full application, the lender handling that program may run a hard credit check as part of underwriting. That step happens later, and only with your knowledge.
Bank vs. SmallByzLoans
Traditional bank loan vs. SmallByzLoans funding options
| Traditional bank / SBA | SmallByzLoans options | |
|---|---|---|
| Application time | Weeks of paperwork | 60-second short form |
| Credit check on step one | Often a hard pull | Soft check only |
| Credit requirements | Often 690+ preferred | Mid-600 profiles considered |
| Collateral | Usually required | Revenue based review available |
| What is reviewed | Heavy weight on credit score | Revenue, deposits, time in business |
| Decision speed | 30 to 90 days common | Review can start the same day* |
*Timing varies by lender, applicant, and documentation. Approval and terms are subject to lender underwriting.
SBA alternative
Is this an SBA loan? Your SBA loan alternative options
No. SmallByzLoans is not a direct SBA lender. This page is built for business owners who need an SBA loan alternative, whether the SBA process is too slow for an urgent need or their file does not fit current SBA underwriting.
2026 SBA underwriting update
The U.S. Small Business Administration confirmed in its supplemental guidance that, as of March 1, 2026, it no longer requires a minimum FICO SBSS score to prescreen most 7(a) Small Loans of $350,000 or less. Individual lenders can still use their own credit models, and many still weigh personal credit and cash flow heavily during underwriting.
If you have already been declined for an SBA loan, or you need funding faster than the SBA timeline allows, revenue based financing, a term loan, or a working capital loan may fit better. Read Getting Business Funding After a Bank Decline or explore SBA loan alternative programs directly.
Before you sign
How to compare business funding offers and avoid red flags
Not every offer that lands in your inbox is worth taking. A few habits protect you as you compare business funding options.
Compare the total repayment cost, not just the headline rate. A low rate on a short repayment term can cost more overall than a slightly higher rate stretched over more time.
Treat "guaranteed approval" as a warning sign. No legitimate lender guarantees approval before reviewing your revenue, deposits, and credit profile.
Ask for the disclosure document in writing. A growing number of states, including California, New York, Virginia, Utah, Georgia, Connecticut, Florida, Missouri, Kansas, and Texas, now require commercial financing providers to give borrowers a written disclosure of the total cost before they sign.
Confirm whether payments are fixed or tied to revenue. This changes how much of your cash flow is committed during a slow week.
Check time in business and revenue minimums before you apply. This keeps you from being declined for a program that was never a fit.
SmallByzLoans does not guarantee approval, and neither should any funding source you consider. Review the documents checklist to prepare before you apply.
Who this is for
Who qualifies for nationwide business funding
SmallByzLoans reviews small business loans across the USA, all 50 states included. Programs are built for owners who do not fit the traditional SBA box.
- 3 to 6+ months in business preferred, a longer history strengthens most offers
- Business bank deposits or card sales
- Mid-600 credit score, or a profile that is actively improving
- $10K to $500K needed for most owners, larger requests reviewed up to $10 million
- Open to revenue based financing, working capital, or a term loan
Industries served
Industries we fund
Every industry has its own cash flow pattern. Restaurants deal with tight margins and seasonal swings. Trucking companies carry fuel and maintenance costs between loads. Retailers stock up before demand hits. The review process starts the same way for all of them: one short form.
Simple process
How the funding review process works
1
Submit the 60-second form
Business details, revenue, credit range, requested amount, and use of funds. No documents required to start.
2
A funding specialist reviews your profile
Your lead lands in our CRM with full source tracking. A funding specialist matches you to programs that fit.
3
Complete the full application
Qualified owners continue into the secure CRM application and document upload, then lenders review for offers.
Client stories
What business owners say
Business owners across 250+ industries have used SmallByzLoans to find funding options when traditional banks said no.
"
Client story
Needed working capital fast for payroll. The form took less than a minute, and a specialist called within hours. Funded in two days, which saved our team.
"
Client story
Bank turned us down because of my credit score. SmallByzLoans looked at our monthly revenue instead and approved us for equipment financing.
"
Client story
After a bank decline, the 60-second form was genuinely simple, and I had options the same day. Got $85K approved for our retail expansion.
Questions
Frequently asked questions
Can I qualify for a small business loan with a mid-600 credit score?
Possibly. Many alternative lenders weigh your monthly revenue, deposits, time in business, industry, and existing debt alongside your credit score rather than using score alone as a cutoff. FICO scores from 580 to 669 are generally considered fair credit, and several of the programs on this page are built for that range. Final approval and terms are set by the lender, not by SmallByzLoans.
Is there a business loan option with no hard credit check?
The short form on this page runs a soft check only, so checking your options does not affect your credit score. A hard credit check, which can lower your score by a few points, only happens later if you continue into a full application with a specific lender.
Is SmallByzLoans an SBA lender, or is this an SBA loan alternative?
SmallByzLoans is not a direct SBA lender. This page connects business owners to alternatives to SBA financing, including revenue based financing, business term loans, and working capital programs, which typically move faster than the SBA process.
Does submitting the short form affect my credit?
No. Submitting the short form runs a soft check only and does not affect your credit score. If you continue into a full application, the lender handling that program may run a hard credit check as part of its underwriting process.
What happens after I submit the form?
Your details are saved as a lead with full source tracking. A funding specialist reviews your profile, contacts you by phone or email, and if your file fits, routes you into the full application and document upload with the matching lender.
Does SmallByzLoans guarantee approval?
No, and you should be cautious of any funding source that does. Approval, amount, rate, and repayment terms depend on lender underwriting and the accuracy of the information you submit. Treat "guaranteed approval" language elsewhere as a warning sign, not a selling point.
How fast can I get a funding decision?
Timing varies by lender, program, and how quickly you provide documents. Some reviews can start the same day the form is submitted, others take longer depending on the requested amount and the completeness of your file.
What documents will I eventually need?
Most programs ask for recent bank statements, basic business information, and proof of revenue. Prepare in advance with the full documents checklist.
Financial disclaimer: This page is for general informational purposes and does not constitute financial, legal, or tax advice. Loan programs, credit requirements, and underwriting standards change and vary by lender and state. Speak with a qualified financial professional or the lender directly before making a funding decision. Credit approval is subject to lender standards, and actual terms, rates, and funding amounts vary by applicant and lender.
Ready when you are
Your business cannot wait weeks. Neither should your funding review.
Start with the 60-second form. No documents, no hard credit check, no cost to check your options.