Funding for the business
you're building.

Working capital, equipment financing, lines of credit, SBA loans and more — explained plainly, with one simple application.

Ask a question first · No sales pitch — just plain English.

Step 1 of 3 · Basics

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Pick the closest match.

A range is fine.

Optional dollar estimate.

No credit check to apply · Free, no obligation

Open the full form

What happens next

  1. Step 1

    Tell us about your business

    About 2 minutes on the form.

  2. Step 2

    A funding specialist reviews your request

    Our lending partner looks at what you shared.

  3. Step 3

    Hear back within 24 hours

    Usually by phone or email to discuss options.

Questions before you apply

Does applying affect my credit?
LoanHelp’s application form does not run a credit check. If you move forward with our lending partner, they may request your permission before any credit inquiry — you can decline until you are ready.
What does it cost to apply?
Nothing. There is no fee to submit this form through LoanHelp.
How fast can I get funded?
Timing depends on the product and how complete your file is. Some working-capital and equipment paths can move in days once a lender has what they need; SBA and larger files often take longer. Your specialist can give a realistic range after review.
What documents will I need?
Often recent business bank statements and basic company details. The partner will tell you exactly what they need for your situation — requirements vary by product and size.

Running a business means juggling payroll, equipment, and customers who pay on their schedule. LoanHelp explains your options in plain English, then sends one application to one lending partner.

No runaround.

Who we help

Owner-operated businesses across industries — from a single location to a growing fleet. Pick your lane; we explain the product, then one application goes to one lending partner.

An excavator on a construction job site

Equipment financing & leasing

Excavators, trucks, medical equipment, kitchen gear, CNC machines, service vans

Buy or lease the machine you need, new or used, from a dealer or a private-party seller. The equipment itself usually secures the financing.

Equipment financing

Get paid on slow invoices sooner.

Invoice factoring & receivables financing

When a customer pays on net-30 to net-90, you can advance against those invoices instead of waiting. Approval leans on your customers' payment history as much as yours.

Receivables financing
A machinist setting a part in a CNC mill

More ways to fund your business

Each fits a different situation. We'll tell you when one isn't a good fit — and point you to the product page that explains fees, timing, and tradeoffs.

Working capital

Short-term funds for payroll, inventory, marketing, and everyday operations when revenue is lumpy.

Line of credit

Draw when you need it, pay interest only on what you use. Easier to open before a crunch.

SBA loans

Government-backed 7(a) and 504 loans: longer terms, more paperwork, a slower close.

Merchant cash advance

Repaid from future sales. Fast, but often the most expensive option here, and daily payments can squeeze cash flow. We'll show the total you'd repay first.

Ask before anyone calls you.

Describe your situation in your own words. Ask LoanHelp explains the options and the questions to ask, without a sales pitch.

Open Ask LoanHelp →
Ask LoanHelpGeneral information
My GC pays net-60. How do I make payroll in the meantime?

That gap is common in construction. Two options are worth comparing:

Invoice factoring. A factoring company advances most of an approved invoice now and pays the rest, minus a fee, when your GC pays.

A line of credit. You draw for payroll and repay when the check clears.

Worth asking any provider: the total fee on a 60-day invoice, recourse or non-recourse, and whether your GC is notified.

Ask a follow-up

Illustration of an Ask LoanHelp answer. General information, not an offer or advice.

Ask. Apply. Hear back.

AskAbout your situation in your own words, or go straight to the financing you think fits.

ApplyWith a short form for that product. Equipment asks about the machine; factoring asks about your customers.

Hear backFrom our lending partner, who reviews your details with your consent and calls to talk through options.

LoanHelp isn't a lender. We help you understand your options, then pass your application to one lending partner.