(800) 949-0401 Apply NowSmall business loans give you the capital to hire, grow, buy equipment, manage cash flow, and seize opportunities — without waiting months for a bank decision. At Crestmont Capital, we match businesses to the right financing product based on their actual situation: revenue, credit, time in business, and use of funds. Whether you need working capital for next week's payroll or a term loan to fund a major expansion, we move fast and fund faster.
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. Lenders evaluate time in business, annual revenue, personal credit score, collateral availability, and debt service coverage. Strong businesses get better rates; challenged businesses can still access capital through alternative and asset-based products.
According to SBA lending data, small businesses rely heavily on external financing for growth — yet traditional bank approval rates for small businesses remain below 30%. Crestmont Capital fills this gap by connecting businesses to a broad network of alternative, direct, and SBA lenders. See also: fast business loans and same-day business loans for urgent capital needs.
Term loans deliver a lump sum repaid over 1–10 years with fixed monthly payments. Business lines of credit provide revolving access to capital — draw what you need, repay, draw again. Working capital loans cover short-term operational needs with 3–18 month terms. Equipment financing uses the purchased asset as collateral for lower rates. SBA loans offer the best rates and terms for qualified businesses willing to navigate the documentation process. Revenue-based financing and merchant cash advances provide fast capital for businesses with strong revenue but challenged credit.
| Requirement | Typical Threshold | Notes |
|---|---|---|
| Personal Credit Score | 620+ preferred | Bad credit options available at 500+ |
| Time in Business | 6+ months | Startups may qualify with strong personal credit |
| Annual Revenue | $50,000+ | Higher revenue unlocks better rates and larger amounts |
| Monthly Cash Flow | Positive trend | Bank statements reviewed for deposit consistency |
| Business Bank Account | Active, separate from personal | Required for underwriting and ACH payments |
| Industry Type | Most industries | Some high-risk industries face more scrutiny |
Pre-qualify in minutes. No obligation, no impact on your credit score.
Apply Now →Small business loan rates vary significantly by product type, credit profile, and loan structure. Alternative lenders price for speed and flexibility; SBA lenders price for security and term. Understanding where your business sits in the spectrum helps you pick the right product at the right cost.
| Loan Type | Typical Rate | Term | Best For |
|---|---|---|---|
| SBA 7(a) Loan | Prime + 2.75–4.75% | Up to 10 years | Best rates, lower monthly payments |
| Traditional Term Loan | 8%–25% APR | 1–7 years | Established businesses, fixed payments |
| Business Line of Credit | 10%–40% APR | Revolving | Cash flow management, ongoing needs |
| Working Capital Loan | 15%–40% APR | 3–18 months | Short-term operational needs |
| Equipment Financing | 6%–25% APR | 2–7 years | Asset purchases, collateral-backed |
| Revenue-Based / MCA | 1.15–1.50 factor | 60–400 days | Fast capital, revenue-based approval |
Business loans are debt, not equity — you repay the loan and retain 100% ownership. Unlike taking on investors, there's no board seat, no profit sharing, and no loss of control. For businesses with growth ambitions, debt financing is almost always preferable to diluting ownership to access capital.
Business loans reported to business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business) build your business credit profile with every on-time payment. Strong business credit unlocks progressively better financing terms — lower rates, higher limits, less documentation. Each loan you successfully repay is an investment in cheaper future capital.
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 so you're not limited to what one bank can offer. According to Forbes, businesses that work with brokers and multi-lender platforms consistently access better terms than businesses that approach single lenders directly.
Financing long-term assets (equipment, real estate, buildouts) through loans rather than cash preserves working capital for operations, payroll, and inventory. The business principle: finance assets whose useful life exceeds the loan term, pay cash for short-cycle expenses, and never deploy long-term capital on short-term needs.
No obligation. No hard credit pull to check your options. Apply today with Crestmont Capital.
Check My Options →A women's clothing boutique generating $380,000/year wants to open a second location. The buildout costs $120,000. A 5-year term loan at 11% APR = $2,610/month. The second location generates $280,000 in year-one revenue — a 9x monthly revenue-to-payment multiple. The loan pays for itself within the first year of operation.
A landscaping company lands a $90,000 commercial contract but needs $35,000 upfront for materials and labor before the client pays 45 days out. A $35,000 working capital loan at 1.25 factor repaid over 60 days costs $8,750 in financing cost — justified by the $90,000 contract it enables. Net benefit: $46,250 after loan cost.
A bakery needs a $65,000 commercial oven system to fulfill a grocery chain contract. Equipment financing at 9% over 4 years = $1,620/month. The grocery chain contract adds $18,000/month in revenue — 11x the monthly payment from a single new customer.
A 3-year-old restaurant with a 590 credit score needs $50,000 for a renovation. Alternative lender at 28% APR over 18 months = $3,400/month. They repay on time, credit score rises to 660, and refinance the remainder plus a new $100,000 expansion loan at 14% — saving $1,200/month going forward.
| Product | Approval Speed | Rate Range | Best For |
|---|---|---|---|
| Small Business Term Loan | 1–5 days | 8%–30% APR | Lump sum needs, fixed repayment |
| Business Line of Credit | 2–7 days | 10%–40% APR | Ongoing cash flow management |
| SBA 7(a) Loan | 4–8 weeks | Prime + 2.75–4.75% | Best rates, patient businesses |
| Equipment Financing | 2–5 days | 6%–25% APR | Asset purchases with collateral |
| Revenue-Based / MCA | Same day–24 hrs | 1.15–1.50 factor | Fast capital, revenue-only approval |
| Invoice Financing | 1–3 days | 1%–5%/30 days | B2B with outstanding invoices |
Join thousands of businesses who chose Crestmont Capital for fast, transparent business funding.
Apply Today →Crestmont Capital connects small businesses to the full spectrum of lending — SBA, traditional banks, alternative lenders, equipment lenders, and revenue-based products — through a single application process. We don't push you toward one product; we find the product that fits your situation at the best available terms.
Explore: bad credit business loans, long-term business loans, short-term business loans, and SBA loans.
Most traditional and SBA lenders prefer 620–680+. Alternative lenders work with scores as low as 500–550 with appropriate product matching. Revenue-based products have no minimum credit score — they underwrite on monthly deposits and cash flow.
Revenue-based products and working capital loans fund same-day to 24 hours. Traditional term loans take 2–5 business days. SBA loans take 4–8 weeks. The faster the product, the higher the typical rate.
Loan amounts range from $10,000 to $5,000,000+ depending on the product, your revenue, credit profile, and collateral. Working capital and MCA products typically lend 75–150% of monthly revenue. Term loans are sized to your debt service coverage ratio.
Not always. Unsecured working capital loans, lines of credit, and revenue-based products require no collateral. Equipment loans use the purchased asset as collateral. SBA loans may require real estate or equipment collateral for larger amounts.
Yes, with limitations. Equipment financing is the most accessible for startups because the asset provides collateral. Lines of credit and term loans are harder with under 6 months of history. Strong personal credit (700+) and a solid business plan improve startup approval odds significantly.
A term loan provides a lump sum repaid over a fixed period with regular payments — best for one-time purchases. A line of credit is revolving — draw funds as needed, repay, draw again — best for ongoing cash flow management. Many businesses use both.
Pre-qualification uses a soft pull — no credit score impact. A formal application typically involves a hard inquiry, which may lower your score 3–5 points temporarily. Multiple hard inquiries within a 30-day window for the same loan type are typically treated as a single inquiry by scoring models.
Yes. Bad credit options include revenue-based loans (no credit minimum), equipment financing (collateral offsets credit risk), and invoice financing (customer credit matters, not yours). See our bad credit business loans page for details.
Yes. Crestmont Capital offers dedicated programs for women-owned businesses and minority-owned businesses. Some SBA programs also offer enhanced terms for underserved business communities.
For most applications: 3–6 months of business bank statements, most recent business tax return, and basic business information (legal name, EIN, time in business, monthly revenue). Larger loans may require 2 years of tax returns, financial statements, and a business plan.
Most term loans allow early payoff; some charge a prepayment penalty of 1–3%. Revenue-based/factor rate products typically charge the full factor amount regardless of payoff timing, though some lenders offer early payoff discounts. Always ask before signing.
DSCR = Net Operating Income ÷ Total Annual Debt Payments. A ratio above 1.25 means your business generates 25% more income than it needs to cover debt payments — comfortable. Below 1.0 means you're generating less income than needed to cover payments. Most lenders require 1.15–1.25+ for approval.
SBA loans offer the best rates and terms but require 4–8 weeks, extensive documentation, and 680+ credit. Conventional alternative loans fund in days with less documentation at higher rates. If you can wait and qualify, SBA is almost always the better deal. If you need capital in days or don't meet SBA requirements, conventional alternative lending is the right path.
Yes. Crestmont Capital serves businesses across all 50 U.S. states. Our online application process means you can apply from anywhere in the country without visiting a branch or office.
Bank approval rates for small businesses are below 30%. Alternative lenders use different underwriting criteria — revenue, cash flow, and business health rather than solely credit score and collateral. Many businesses turned down by traditional banks are approved through our lending network.
Fast decisions. Competitive terms. Dedicated funding advisors. Apply now with Crestmont Capital.
Get Funded Now →Disclaimer: The information provided on this page is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.
