Small-business funding

Capital, with a clear path.

We're advisors, not lenders. We help you understand your options, strengthen your profile, and get matched to the right funding — every credit profile welcome.

All credit
profiles welcome
6+ paths
to funding
2 min
to see options
Funding advisor meeting with a confident small business owner
★★★★★

"They helped us understand our options after several rejections — and move forward with real clarity."

James Anderson · Founder, Urban Threads
SBA 7(a) Loans SBA 504 Loans Working Capital Lines of Credit Equipment Financing Debt Restructuring Business Acquisition Commercial Real Estate
2 min
To see your options
All credit
Profiles welcome
6+
Funding solutions
$0
Cost to get started
What we help with

One advisor. Every funding path.

We match the right option to your goals and profile — then guide you all the way to funded. Not sure where to start? Compare funding types or see what you can qualify for.

Funding advisor reviewing options with a small business owner
Why Qualify Finance

An advisor on your side — not just another application.

Every credit profile welcome
We work with a wide range of backgrounds — not just perfect scores.
Plain-English guidance
Every step and timeline explained, so you always know what's next.
One team, start to finish
We don't hand you off — we guide you all the way to funded.
No cost to explore
Your first consultation is free, with zero obligation.
Free tools

Run the numbers before you apply.

Estimate payments, compare loan types, and see how much you may qualify for — six calculators built for small-business owners.

Open the calculators →
SBA loan payment calculator
Business loan & amortization
Loan affordability estimator
Real results

Business owners who got there.

★★★★★

They restructured our debt and secured working capital. We're now stable and scaling.

MJ
Michael Johnson
Owner, Fresh Bites Café
★★★★★

We needed funding fast to fulfill a large order. They got us approved faster than we expected.

JT
John Thompson
Co-founder, Apex Traders
★★★★★

Professional, responsive, and they made the whole funding process feel easy. Highly recommend.

WD
William Davis
CEO, Digitique Studio
★★★★★

They helped us understand our options after several rejections — and move forward with real clarity.

JA
James Anderson
Founder, Urban Threads
★★★★★

They didn't treat us like just another application. They listened, strategized, and found flexible terms.

DM
David Miller
Managing Director, Nova Interiors
★★★★★

My credit wasn't perfect, but they never gave up — they explored every option until we got funded.

CM
Christopher Moore
Owner, Karim Auto Parts
★★★★★

They restructured our debt and secured working capital. We're now stable and scaling.

MJ
Michael Johnson
Owner, Fresh Bites Café
★★★★★

We needed funding fast to fulfill a large order. They got us approved faster than we expected.

JT
John Thompson
Co-founder, Apex Traders
★★★★★

Professional, responsive, and they made the whole funding process feel easy. Highly recommend.

WD
William Davis
CEO, Digitique Studio
★★★★★

They helped us understand our options after several rejections — and move forward with real clarity.

JA
James Anderson
Founder, Urban Threads
★★★★★

They didn't treat us like just another application. They listened, strategized, and found flexible terms.

DM
David Miller
Managing Director, Nova Interiors
★★★★★

My credit wasn't perfect, but they never gave up — they explored every option until we got funded.

CM
Christopher Moore
Owner, Karim Auto Parts

Find out what you qualify for today.

It takes about two minutes, won't touch your credit, and there's no obligation.

8 years
advising business owners
Thousands
of businesses helped
Millions
in funding facilitated
Every
credit profile welcome

Frequently asked questions

How does Qualify Finance actually help me get funding?

We're advisors, not a lender. We help you understand your business funding options, strengthen your financial profile, and then match you to the right lender for your situation — whether that's an SBA loan, a line of credit, working capital, or equipment financing. You can start by seeing what you can qualify for in about two minutes.

What does it cost to work with Qualify Finance?

There's no cost to get started and no obligation. You can explore your options, get advisor guidance, and check your eligibility for free. If you'd like to understand how different funding types stack up before you talk to anyone, our compare funding types guide breaks down costs, terms, and trade-offs in plain English.

Will checking my options hurt my credit score?

No. Seeing what you may qualify for takes about two minutes and won't touch your credit. We work with every credit profile — not just perfect scores — so if you've been turned down before, it's still worth exploring. If you've recently been denied, our guide on why business loans get denied explains the most common reasons and how to fix them.

How long does it take to get funded?

Timelines depend on the funding type. A line of credit or working capital can move quickly, while SBA loans take longer because of underwriting and documentation. We explain every step and timeline up front so you always know what's next — and our SBA loans explained guide walks through what to expect. You can also use our SBA eligibility checker to see if an SBA loan is realistic for you.

What's the difference between an SBA 7(a) and a 504 loan?

In short, SBA 7(a) loans are flexible and can be used for working capital, acquisition, and more, while 504 loans are designed for major fixed assets like real estate and equipment. Our 7(a) vs 504 comparison covers the differences in detail, and if real estate financing is your focus you may also want to read about DSCR and how lenders measure it.

Who does Qualify Finance work with?

We've spent 8 years helping thousands of business owners across a wide range of industries and credit backgrounds. Whatever stage you're at, we tailor guidance to your goals — see the industries we serve or find funding guidance by state. If a business credit card is a better fit right now, we can also point you to the right business credit cards.