How quickly can I get a business loan?

Initial approval within 24 hours in most cases, and funds in your account 24 to 48 hours after that.

Can I get a loan if banks have rejected me?

Yes. Many clients come to us after a bank decline. We start with a discovery call, present every option available to you and help you choose.

What if I don't have a great credit score?

Some programs work with scores as low as 500, weighing industry, cash flow, revenue and growth alongside the score.

What are the minimum requirements?

US-based business, 3–6 months in operation, revenue for the past 3 months, personal credit of 500+. No collateral needed up to $5 million.

Are there prepayment penalties or hidden fees?

Your funding manager explains every rate, term and fee up front, including early payoff options. You always know exactly what you are paying.

How much can my business borrow?

Loans and lines of credit run from $5,000 to $75 million depending on the program, including equipment financing from $10k to $20M and commercial mortgages from $100k to $20M.

Do I need collateral for a business loan?

No collateral is needed up to $5 million on many programs. 5–10 year term loans up to $500,000 need none, and equipment financing is usually secured by the equipment itself.

Banks, CPAs & credit unions refer their clients to QualiFi 833.933.3665Mon–Fri 8am–5pm ET

Business Loans Become an Affiliate About Us Resources

✓

Funds sent · $62,500

Bridge loan · Brooklyn, NY

RATE FOUND

8.2% APR

vs 14.5% at prior lender

#1 client experience for business loans

Tell us what's going on. We'll find the funding.

Describe your situation in plain English. Our assistant explains which of our 12 programs fit, then a funding manager compares real offers from 75+ lenders.

★★★★★ 4.7 on Trustpilot · 250 reviewsInc. 5000 2026BBB AccreditedSecureBroker Certified

$5k–$75M

Loan sizes

24h

Initial approval

75+

Lenders compared

$275M+

Secured since 2022

Start with the problem. We'll match the loan.

Start with the problem you need to solve, and a funding manager will match the loan that fits it.

Cover cash flow & payroll

Lines of credit and bridge loans for seasonal dips and slow months.

Lines of Credit · Bridge Loans

Buy or upgrade equipment

Equipment financing from $10k to $20M, or a no-collateral term loan.

Equipment Financing · Term Loans

Grow or expand

5–10 year term loans and SBA loans for new locations, hiring and inventory.

Term Loans · SBA Loans

Buy or refinance property

Commercial mortgages from $100k to $20M, closing in about 30 days.

Commercial Mortgages

Get paid on open invoices

Receivables and purchase order financing, up to 90% advance.

AR Financing · PO Financing

Consolidate expensive debt

Replace short-term, high-cost loans with one long-term, low-interest solution.

Term Loans · Asset Based Loans

Payment estimator

See what a term loan could cost each month.

These estimates show what a 5–10 year term loan could cost each month. Your funding manager presents actual offers with full terms.

Loan amount$150,000

Term7 years

Interest rate9.0%

Principal $150,000Est. interest $52,722

Estimated monthly payment

$2,413

Get real offers

Why QualiFi

Built by entrepreneurs, for entrepreneurs.

QualiFi is built by entrepreneurs, for entrepreneurs, with funding options for every credit profile.

Our diverse solutions

The largest selection of affordable lines of credit on the market, for every credit profile from well-preferred to high risk.

Our experience

A proven record of consolidating expensive short-term loans into long-term, low-interest solutions. 4.7 stars on Trustpilot.

Our streamlined process

One dedicated funding manager, complex solutions made simple, from $5,000 to $75 million.

Reviews

Owners talk to us. Then they talk about us.

Owners rate QualiFi 4.7 out of 5 across 250 reviews on Trustpilot.

4.7

★★★★★

250 reviews on Trustpilot

Four steps, one funding manager.

Four steps take you from application to funds, with one funding manager guiding you throughout.

Complete the application

Simple and secure, online or by phone at 833.933.3665.

Get connected

A dedicated funding manager reaches out to learn about your business.

Compare loan offers

The most reputable lender network, so you see the best and most affordable options.

Receive funds

In your business account in as little as 24–48 hours.

Before you apply

What you'll need

✓A US-based business with a physical address or strong online presence

✓At least 3–6 months in business

✓Revenue for the past 3 months

✓Personal credit score of 500+

✓No collateral needed up to $5 million

Check if I qualify

FAQ

Ask us anything.

Ask us anything about QualiFi business loans, or start with the questions owners ask most.

Is QualiFi a bank or a lender?

Neither. QualiFi is a commercial finance broker working with 75+ lenders across the US to secure rates and terms that favor you.

Borrow. Build. Believe.

Funds in your account in as little as 24–48 hours.

Get Qualifi'ed 833.933.3665

Lines of Credit Term Loans Equipment Financing SBA Loans Become an Affiliate About Us Contact