INDEPENDENTFUNDING Apply now

Business funding without the bank runaround.

Term loans, SBA loans, lines of credit and more. Fill out one short application and we’ll bring back real offers from established lenders that you can compare side by side.

See what you qualify for
  • Takes about a minute
  • No obligation
  • Won’t affect your credit score
  • Serving businesses since 2020

Funding options

How it works

Three steps from application to money in your business account. You stay in control the whole way and never have to accept an offer.

  1. 1

    Apply online

    Tell us about your business and share your last few months of bank statements. It takes a few minutes.

  2. 2

    We shop your file

    We send your application to lenders in our network that match your industry, revenue and time in business.

  3. 3

    Pick your offer

    Compare amounts, terms and payments. Once you sign, the lender deposits the funds straight into your account.

Funding options

From long-term SBA loans to fast working capital, we match you with the financing that fits your credit, your revenue and your plans.

  • Revenue-based financing

    Also called a merchant cash advance. An advance against your future sales, repaid as a share of your revenue, for businesses that need money quickly.

    Requirements

    • A business checking account
    • At least 6 months in business
    • At least $20,000 in average monthly revenue
    • Credit is flexible. Your revenue matters most.

  • Term loans

    A lump sum repaid on a fixed schedule over a set term. Good for inventory, payroll gaps, repairs or a growth push.

    Requirements

    • A business checking account
    • Personal credit score of 680 or higher
    • At least 3 years in business
    • Typically $100,000 or more in annual revenue
    • Most lenders ask for a personal guarantee

  • SBA loans

    Loans from banks and approved lenders that are partly guaranteed by the U.S. Small Business Administration, which means longer terms and lower rates than most business financing. Standard SBA 7(a) loans go up to $5 million and can be used for working capital, equipment, real estate or refinancing debt.

    Requirements

    • A business checking account
    • Personal credit score of 620 or higher (many lenders look for more)
    • The business must be for-profit and located in the U.S.
    • Since March 1, 2026, the business must be 100% owned by U.S. citizens or nationals
    • The business must meet the SBA size standard for its industry
    • Collateral may be required on loans over $25,000
    • Approval can take weeks to months

  • Business lines of credit

    Draw what you need, when you need it, and pay interest only on what you use.

    Requirements

    • A business checking account
    • Typically 620 or higher personal credit
    • An established operating history

  • Home equity line of credit (HELOC)

    A line of credit secured by the equity in your home that you can use for your business. Draw what you need and pay interest only on what you use.

    Requirements

    • A business checking account
    • Personal credit score of 620 or higher
    • You own a home with equity, typically keeping 15–20% equity after the line
    • Debt-to-income ratio generally below 43%
    • Stable, verifiable income
    • Your home secures the line, so missed payments put it at risk

  • Equipment financing

    Finance trucks, kitchen equipment, machinery and tools, with the equipment itself backing the deal.

    Requirements

    • A business checking account
    • A quote or invoice for the equipment
    • Credit is often more flexible because the equipment secures the financing

Who we are

Independent Funding has been helping small businesses find financing since 2020. We’re an independent broker based in Brooklyn, New York, working with established lenders, including publicly traded funding companies, to bring business owners real options.

Your information is safe with us

Applying for funding means sharing financial details. Here’s how we protect them, from your application to the lenders reviewing your file.

Secure application

Your application is submitted through a secure form over an encrypted connection.

Shared only with your lenders

We send your file only to the funders we’re submitting you to, and only to get you an offer.

Established lenders

We work with established funding companies, including publicly traded lenders, that follow their own privacy and data security requirements.

We never sell your data

Your personal and business information is never sold to third parties.

Why work with a broker

  • One application reaches many lenders, instead of applying to each one yourself.
  • We know which lenders say yes to your industry, so you skip the dead ends.
  • Options for a range of credit profiles, from SBA loans to revenue-based financing.
  • You see every offer and choose. No obligation to accept.

Who we fund

Restaurants, contractors, trucking companies, retail shops, auto repair, salons, medical and dental practices, e-commerce sellers and most other established small businesses across the U.S.

Common questions

Still wondering about something? Ask us when you apply.

What do I need to apply?

Basic business and owner information, plus your most recent business bank statements. Lenders use them to see your revenue and cash flow.

Will applying affect my credit score?

No. We use a soft credit pull, which doesn’t affect your credit score. Some lenders may run a hard credit check before final approval and funding.

How fast can I get funded?

It depends on the product. Some term loans and revenue-based financing can fund within days of approval, while SBA loans and HELOCs usually take weeks.

Which option is right for me?

It depends on your credit, time in business, revenue and what you need the money for. The questionnaire in our application shows which options fit, and we walk you through the offers you receive.

Are you the lender?

No. Independent Funding is a broker. We connect you with third-party funding providers, and the funder you choose sets the final terms.

Contact us

Questions about funding or your application? Send us a message and our team will get back to you.

Ready to see your options?

It takes about a minute, there’s no obligation, and we use a soft credit pull that won’t affect your credit score.

Start now