We fund American businesses directly. One application, one underwriter, real offers in days. No hard credit pull to start.
From short-term working capital to seven-figure SBA loans, we fund the full range of financing American businesses actually need. Tell us what you're after — we'll handle the rest.
Government-backed financing with the longest terms and lowest rates available. We move fast on a process that's known for being slow.
Fixed amount, fixed schedule. The cleanest way to fund a defined project — equipment, expansion, or acquisition.
Draw what you need, when you need it. Pay interest only on what you use. Built for cash flow gaps and opportunity capital.
Fund the machinery, vehicles, or technology you need. The equipment itself secures the loan — so qualifying is easier.
Turn unpaid invoices into working capital. Get up to 90% upfront on receivables, without taking on new debt.
Most clients have an offer in hand the same week they apply. Here's exactly how it works — and what we won't do (waste your time).
Tell us about your business and what you need. No upfront fees, no hard credit pull, no commitment. Just the basics our underwriters need to see.
Our underwriters review your file directly and present the offers we can fund. You see real rates and terms — not estimates or teasers.
Pick the offer that works. Sign electronically. Typical funding timelines range from 1 to 5 business days from acceptance, subject to underwriting and verification. Then put it to work.
Banks decline most small business loan applications. We exist for the rest — the businesses with real revenue, real customers, and a real reason to need capital.
One application, one underwriter. The team reviewing your file is the team that funds it — no broker handoffs, no application getting shopped around, no surprise denials after weeks of waiting.
Our underwriters have years of small business lending experience and review your file directly — no middlemen, no handoffs.
You don't pay us to look. You don't pay us to apply. You only pay if you fund — and our pricing is built into the offer you accept, fully disclosed up front.
HVAC contractors, dental practices, restaurants, manufacturers, trucking companies — the businesses that actually run America, not just venture-backed startups.
The questions our clients actually ask, answered straight. If you've got one we missed, call us — we don't gatekeep information.
No. Applying with us is a soft pull — zero impact on your credit score. Loan Masters performs a hard pull only after you accept an offer, and you'll know before we do.
Our typical underwriting baseline: at least 1 year in business, $10K+ in monthly revenue, and a 550+ credit score. SBA loans require more documentation. The more you can show, the stronger the terms we can offer — but the only way to know what you qualify for is to apply.
Typical funding timelines range from 1 to 5 business days for working capital and lines of credit, 3 to 10 business days for term loans, and 4 to 8 weeks for SBA loans (which involve federal underwriting). All timelines are subject to underwriting and verification. We tell you the realistic timeline for your file before you sign anything.
Nothing to apply. Our pricing is built into the offer you accept, fully disclosed in writing before you sign — no junk fees, no surprises. If you don't fund, you don't pay.
No fees. No hard pull. No commitment. Direct underwriting, real terms, fast.
Start your application →