Smarter Business Capital: Apply for $10K–$5M

With no obligation, or impact to your credit score*
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One application, multiple funding options

SBA 7(a) Loans1
Government-backed loans that help small businesses secure funding for various purposes.
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Loan amounts: $10K–$5M
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Loan terms: 10–25 years
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Low interest rates
Business Term Loans2
Provide businesses with a lump sum
of capital, repaid over a set period with fixed or variable interest rates.
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Loan amounts: $25K–$500K
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Loan terms: 6 months–5 years
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Fast funding speed
USDA Loans3
Government-backed loans designed
to promote economic development
in rural areas.
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Loan amounts: Up to $25M
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Loan terms: 7–30 years
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Interest rate: Negotiable
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SoFi receives compensation in the event you obtain funding or another product or service through iBusiness Funding.

Our Simple Application Process

01
Apply online
Share a few details about
your business to see if
you qualify4
02
Compare your options
See potential financing options and choose the best fit for your goals
03
Proceed to funding
If approved, finalize documentation and access your funds

Loans Requirements

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Two years or more in business
With $50,000 or more in annual revenue
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Seeking $10,000 or more in funding
Not for Commercial Real Estate use
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Strong personal & business credit scores
Starting at 660 FICO

Real customers. Real Impact.

“I had such a positive experience working with iBusiness Funding to obtain my SBA 7(a) loan option. From start to finish, the process was quick, seamless, and surprisingly stress-free.”
Bayley B.
“What an experience is all I can say. Like, Wow. After being turned down by three banks, I was starting to lose hope. Then I found iBusiness Funding, and everything changed.”
Jordan D.
“I highly recommend iBusiness Funding to any business owner looking for financing options. Thank you for
your excellent service!”
Juan L.

FAQ

1. Will applying impact my personal credit?

No, we only pull a soft inquiry which will not impact your credit. However, if you’re approved and choose to accept your loan offer, a hard credit pull may be conducted at that stage.

2. How does repayment work?

Business Term Loans have fixed monthly payments over a term of 6 months to 5 years, while SBA 7(a) loans offer more flexible options that can extend up to 25 years. We'll help advise you on the repayment plan that fits your business best.

3. What can I use these funds for?

Use your funds for almost any business purpose: cover payroll, purchase inventory or equipment, 
acquire another business, or even offset costs during a busy season.

4. Is my information secure when I apply?

Your application is processed through a secure platform that uses industry-standard encryption to help protect your data every step of the way. Your privacy and security are always a top priority.

Ready to grow your business?

Apply for a loan today. It won't affect your credit score!
Apply Now
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Copyright © 2025 iBusiness Funding. All rights reserved.

All loan offers and qualifications require credit approval and are subject to change with or without notice.

*Refers to the application stage only. If you’re approved and choose to move forward with a loan offer, a hard credit inquiry may be conducted, which can affect your credit score.


1 SBA loans are originated through iBusiness Funding's network of SBA 7(a) approved lenders.

2 Loans are originated by FC Marketplace, LLC (California Financing License No. 6054785, North Dakota Money Broker License MB 102840, South Dakota Money Lending License 1287979.MYL, Vermont Commercial Lender License No. 1287979 CLL, Nevada Installment Loan Company License No. IL11154 and IL11155).
3 USDA loans are originated through iBusiness Funding's network of approved lenders.

4 Eligibility is based on creditworthiness and other factors. Rates, terms, and maximum loan amount may vary according to the overall creditworthiness of the applicant and financing product selected. Not all applicants will qualify. To see what your business may qualify for, apply today at no obligation.
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SoFi receives compensation in the event you obtain funding or another product or service through iBusiness Funding’s network.
SoFi is not affiliated with iBusiness Funding, and you will be subject to iBusiness Funding’s privacy and security policies. All funding and loans are provided through iBusiness Funding’s lender network. SoFi takes no responsibility for funding and loans offered by iBusiness Funding in this email or elsewhere. All rates, fees, offers, or terms are presented by iBusiness Funding, may not be available to all, and are subject to change at iBusiness Funding’s and/or a network lender’s discretion.There is no guarantee you will be approved or qualify for the advertised rates, fees, offers, or terms presented. The actual terms you may receive depend on individual factors. Terms and conditions apply. Please review iBusiness Funding’s terms and conditions before proceeding.