Take Your Business from Good to Groundbreaking

We are a true one-stop shop for small business financing. Different lenders offer different products — and no single lender provides every option a business may need. Our platform brings all of these solutions together in one place, supported by one of the most integrated lending systems in the industry.

We offer an exceptionally wide range of lending products, many of which are underwritten and managed in-house by our own team. To our knowledge, no other lending company provides the same breadth of programs with the same level of internal expertise. This allows us to deliver a more seamless, consistent, and efficient experience from application through funding.

Small business owners choose to work with us and our lending partners for several reasons:

• Traditional application processes can be lengthy and time-consuming. We streamline everything into a single, efficient process.
• Businesses can often save money by refinancing existing debt into lower-rate options available through our network.
• Our platform enables companies to act quickly on opportunities — such as competitive purchase agreements or time-sensitive investments — with faster access to the right lender and product.
• Our mission is to make business financing simple, comprehensive, and aligned with your goals through the most advanced and integrated platform available.

We will never, under any circumstances, ask you for an upfront fee to apply through the iBusiness technology platform. Your application and discussions with dedicated agents are absolutely free, and there’s no obligation to accept a loan offer from an approved network lender.

Typically, the network lenders only require basic information about you and your business to start an application with them. Your information is kept secure and private and it is not sold.

Lenders may also ask for:

• Company details, including the business tax ID
• Names of shareholders or owners with 20%+ ownership (additional information for shareholders less than 20% may be required)
• Social Security number(s) of business owner(s)
• Driver’s license number and state of issue

Additional financial information that is needed before a loan offer may include:

• 2 most recent years of business tax returns
• 1 most recent year of personal tax returns for every business owner (20%+ ownership)
• 6 most recent months of bank statements

Business loans offer flexibility for a range of business needs, including:

• Working Capital: Manage everyday expenses like payroll and utilities.
• Equipment Purchases: Acquire or upgrade machinery, tools, and technology.
• Real Estate: Purchase, renovate, or refinance commercial properties.
• Inventory: Stock up on products to meet customer demand.
• Business Expansion: Fund new locations, franchises, or business ventures.
• Debt Refinancing: Consolidate existing business debts for better terms.

Acceptable uses of proceeds may differ by loan product.

The loan approval timeline varies based on the loan size and the specific product you’re applying for. We offer a wide range of lending options — including several products that can provide same-day approval when documentation is complete and requirements are met.

More complex products, such as larger conventional or SBA loans, may take longer and can range from a few days to several weeks depending on lender requirements, the level of documentation needed, and how quickly you’re able to respond to information requests.

Regardless of the product, your business loan specialist will guide you through the process and help you move as quickly as possible.

You generally can choose the loan term that best suits your business needs. However, lenders sometimes limit the loan term based on several factors, including applicant creditworthiness and selected loan product.

Banks and lenders change their credit boxes and appetites over time. If you applied to the same lender with the same business today versus two years ago, you could receive completely different responses. iBusiness stays up to date with each lender’s criteria, so you don’t have to. We match you with the best lender for your business needs every time.

We also prioritize strong relationships and provide ongoing support to help your business grow and succeed.

We work with a wide range of businesses — from startups to established small and medium-sized companies. We've supported thousands of businesses across many industries, including veterinary clinics, pharmacies, cosmetics brands, professional services, retail, and more.

We encourage all businesses to apply. There is no harm, cost, or impact to your credit score. We use a soft credit pull and basic business information to determine potential lender matches. If you do not qualify for any of the products in our network, we will let you know without affecting your credit or your business in any way.

In addition, we offer a Credit Success Program at no cost. If you are declined, you can work with one of our credit success professionals who will guide you step-by-step on what you need to improve in order to qualify for one of our lending products in the future.

If you do take a lending product, we will also help you — free of charge — work toward qualifying for lower-cost lending options over time.

Please inquire with your business loan specialist or account representative, and they can schedule a free consultation with one of our Credit Success team members.

Minimum credit score requirements vary by lending product. We service lending products on our platform with minimum FICO scores as low as 500. However, most of our bank lenders — including those offering conventional and SBA-related products — require a minimum FICO score of 680.

We utilize a soft credit pull to pre-screen your application, complete the initial analysis, and match you with the right lender. Soft pulls do not impact your credit score or appear on reports obtained by other lenders.

Depending on the lending product, the lender may complete a hard credit pull prior to funding. Hard pulls can appear on your credit report, but they are only done when required for final approval.

We may also review business and other credit-related reports from bureaus such as Experian, TransUnion, and Equifax. These reports help us understand your business and may include data such as revenue, time in business, SIC or NAICS codes, and ownership details. This information allows us to efficiently determine eligibility and align you with the best funding options.

No. There’s no application fee and no obligation to accept a loan offer.