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Whether you need working capital for next week's payroll, equipment to take on a new contract, or long-term financing for a major expansion — Crestmont Capital has the right product. We offer 40+ business financing solutions, matching your specific situation to the loan that delivers the best terms at the fastest speed. Rated #1 small business lender in the United States, we move fast and fund faster.
Tell us about your business. We'll match you to the right product and show you real rates with no obligation and no impact on your credit score.
Apply Now — It's Free →Small business loans are financing products that provide capital to businesses for operations, growth, equipment, real estate, and working capital. They range from short-term cash flow solutions funded in 24 hours to long-term SBA loans with 10-year repayment windows. The right product depends on how much you need, what you need it for, how quickly you need it, and your business's financial profile.
Unlike personal loans, small business loans are underwritten on the strength of the business — its revenue, cash flow, credit history, and assets. Strong businesses get better rates; challenged businesses can still access capital through alternative and asset-based products. According to SBA lending data, traditional bank approval rates for small businesses remain below 30% — Crestmont Capital fills this gap by connecting businesses to a broad network of direct, alternative, and SBA lenders.
Not all business loans are the same. The right product depends on your urgency, credit profile, industry, and what you need the money for. Here is every financing option Crestmont Capital offers, organized by purpose.
When time is critical, these products deliver capital in hours — not weeks.
Apply before noon ET, fund the same business day. For urgent capital needs.
Approval in 24 hours. Funds in 1–2 business days for qualified applicants.
Crisis capital for businesses facing unexpected shortfalls or time-sensitive opportunities.
Short-duration bridge capital to smooth cash flow gaps between receivables and payables.
The foundational business financing products — choose based on how you need to deploy and repay capital.
Lump sum repaid over 1–7 years with fixed monthly payments. Best for planned investments.
5–10 year repayment windows. Lower monthly payments, ideal for large capital projects.
3–18 month terms. Fast approval, flexible repayment — ideal for working capital.
Revolving access to capital — draw what you need, repay, draw again. Best for ongoing needs.
Government-backed loans with the best rates (6–9% APR) and longest terms up to 10 years.
Short-term financing bridging the gap between now and your next major capital event.
Bad credit, no credit, no docs — these products qualify on revenue and business performance, not just your credit score.
Financing for businesses with credit scores as low as 500. Revenue matters more than FICO.
Approval based purely on revenue and bank statements — no credit pull required.
Minimal paperwork — no tax returns, no financials. Bank statements often sufficient.
Designed for businesses with damaged credit histories that mainstream lenders decline.
Non-bank lenders with flexible underwriting — faster, more accessible than traditional banks.
Private lender financing outside the traditional banking system. Flexible terms, fast decisions.
Finance the equipment your business needs without depleting working capital.
The equipment itself secures the loan — lower rates, longer terms, preserve cash flow.
Use equipment without owning it — lower monthly cost, easy upgrades, off-balance-sheet.
Equipment financing approved despite poor credit — asset value drives approval.
Finance commercial trucks without a credit check. Revenue and down payment qualify you.
Use business assets as collateral to unlock lower rates and higher loan amounts.
Use your inventory as collateral to fund bulk purchases and seasonal stock-ups.
Turn outstanding invoices and receivables into immediate working capital.
Borrow against outstanding invoices — get paid now, repay when clients pay you.
Sell invoices to a factoring company at a discount for immediate cash — no loan repayments.
Use your A/R as collateral for a revolving credit line — scale with your receivables.
Fund large customer orders before you manufacture or source — fulfill without cash flow strain.
Factoring for contractors — get paid on progress billing without waiting for draws.
Factoring for manufacturers to fund production cycles against customer purchase orders.
Factor healthcare receivables and insurance claims — steady cash flow for medical practices.
Draw-based financing for ground-up construction, renovations, and commercial buildouts.
Revolving credit for contractors to fund materials, payroll, and project expenses.
Finance the purchase of a business, commercial property, or competitor acquisition.
No collateral required — fast capital for payroll, inventory, marketing, and daily operations.
Emergency payroll financing when cash flow is short — keep your team paid, on time.
Repay as a percentage of monthly revenue — payments flex with your business cycle.
Repaid via daily or weekly ACH debits — smooth automatic repayment tied to cash flow.
Capital for businesses with strong card sales — repaid as a percentage of daily card volume.
Revolving credit gives you a safety net — draw only what you need, repay, repeat.
Flexible revolving credit — the most versatile cash flow tool for growing businesses.
No collateral, no assets pledged — approved on creditworthiness and revenue alone.
Back your credit line with assets for higher limits and lower interest rates.
Dedicated revolving credit for contractors and construction businesses.
Dedicated financing programs and preferred lenders for women-owned businesses.
Minority-owned business financing with access to SBA programs and community lenders.
Veteran-owned business loans with preferred rates and dedicated SBA pathways.
Startup and new business financing for entrepreneurs who haven't borrowed before.
Retain 100% ownership — debt-based financing that never gives up equity.
Business financing that doesn't put your personal assets at risk.
Large-scale financing for established corporations — higher limits, structured terms.
Commercial-grade financing for mid-size and established businesses with strong revenue.
Borrow directly from Crestmont Capital — no broker markup, faster decisions.
100% online application process — apply from anywhere, get funded anywhere.
Determine what you need capital for and how much. Working capital, equipment, expansion, and cash flow gaps are funded differently. Clarity on use of funds speeds approval and ensures the right product match.
Submit your application with basic business information, monthly revenue, and time in business. No hard credit pull for pre-qualification — we assess fit before touching your credit.
We review 3–6 months of bank statements, tax returns (for larger amounts), and business financials. Most applicants receive a preliminary decision within one business day.
We present options including loan amount, rate, term, monthly payment, and total repayment cost. We walk through every number so you understand exactly what you're committing to.
After signing, funds hit your business bank account in 1–5 business days. Same-day funding available for qualifying applications submitted before noon Eastern.
Qualification criteria vary by product. Here are the general benchmarks across our loan portfolio:
| Requirement | Typical Threshold | Notes |
|---|---|---|
| Personal Credit Score | 620+ preferred | Bad credit options available at 500+; no credit check options exist |
| Time in Business | 6+ months | Startups may qualify with strong personal credit; first-time business loans available |
| Annual Revenue | $50,000+ | Higher revenue unlocks better rates and larger loan amounts up to $5M |
| Monthly Cash Flow | Positive trend | Bank statements reviewed for deposit consistency over 3–6 months |
| Business Bank Account | Active, separate from personal | Required for underwriting and ACH payment processing |
| Collateral | Not always required | Unsecured options available; collateral loans offer lower rates |
| Industry | Most industries qualify | High-risk industries may face additional scrutiny |
| Loan Type | Typical Rate | Term | Best For |
|---|---|---|---|
| SBA 7(a) Loans | Prime + 2.75–4.75% | Up to 10 years | Best rates, established businesses |
| Traditional Term Loans | 8%–25% APR | 1–7 years | Fixed payments, planned investments |
| Long-Term Business Loans | 7%–20% APR | 5–10 years | Major expansion, commercial real estate |
| Business Line of Credit | 10%–40% APR | Revolving | Cash flow management, ongoing needs |
| Short-Term Business Loans | 15%–40% APR | 3–18 months | Immediate working capital needs |
| Equipment Financing | 6%–25% APR | 2–7 years | Equipment purchases, asset-backed |
| Invoice Factoring | 1%–5% per 30 days | Per invoice | B2B businesses with slow-paying clients |
| Revenue-Based Financing | 1.15–1.50 factor rate | 60–400 days | High-revenue, lower-credit businesses |
| Bad Credit Business Loans | 18%–45% APR | 3–24 months | Credit-challenged business owners |
| Construction Loans | 8%–20% APR | 6–36 months | Ground-up construction, buildouts |
Business loans are debt, not equity. You repay the principal and retain full ownership of your company. Unlike investors, lenders don't get a board seat, profit share, or equity stake. For businesses with growth ambitions, non-dilutive debt financing is almost always preferable to selling equity. See also: business loans with no personal guarantee for additional asset protection.
Business loans reported to Dun & Bradstreet, Experian Business, and Equifax Business build your business credit profile with every on-time payment. Strong business credit unlocks progressively better terms — lower rates, higher limits, less documentation. Each loan successfully repaid is an investment in cheaper future capital.
Finance long-term assets (equipment, real estate, buildouts) through loans rather than cash to preserve working capital for operations, payroll, and inventory. The principle: finance assets whose useful life exceeds the loan term, pay cash for short-cycle expenses, never deploy long-term capital on short-term needs. Equipment financing and construction loans are built exactly for this.
Crestmont Capital works across the full spectrum of business lending — SBA, traditional, alternative, asset-based, and revenue-based. One application gives you access to our full lender network. According to Forbes, businesses that work with multi-lender platforms consistently access better terms than businesses approaching single lenders directly.
We offer dedicated programs for women-owned businesses, minority-owned businesses, and veteran-owned businesses, connecting these borrowers with preferred lenders, SBA set-asides, and community development financial institutions (CDFIs).
Tell us about your business. We'll match you to the right product in minutes.
Get Your Free Quote →Explore all of Crestmont Capital's financing products to find the right fit for your business:
40+ loan products. One application. Decisions in 24 hours. Crestmont Capital is the #1-rated small business lender in the United States — let us prove it.
Apply Now — It's Free →Disclaimer: All loan products, rates, and terms are subject to lender approval, creditworthiness review, and applicable state and federal regulations. Rates and terms shown are representative ranges and may vary based on your specific business profile. Crestmont Capital, LLC is a business financing marketplace. Crestmont Capital is not a bank or direct lender for all products listed. Applying does not guarantee approval. This content is for informational purposes only and does not constitute financial or legal advice.
