Business Loans

Transparent Terms. No Hidden Fees. Fast Approvals.

Business Loans Made Simple.

At Grow Capital Funds, we provide fast, flexible financing to help your business grow, manage day-to-day expenses, or seize new opportunities. Our solutions are tailored to fit your unique needs.

Check Your Eligibility

Our business loans are built to help your company grow. Let’s see if you qualify:

  • Having at least two years of business history shows lenders that your company has experience, stability, and the ability to navigate the ups and downs of running a business. It helps us better understand your track record and growth potential.

  • Your annual revenue helps determine the size and structure of the loan we can offer. Earning $250,000 or more each year gives us confidence that your business has the cash flow to handle regular repayments without stress.

  • A credit score of 650 or higher shows that you have a history of managing credit responsibly. While we consider more than just credit, this score helps us offer better rates and faster approval times.

  • Our funding programs are currently available to businesses operating within the United States. This allows us to comply with local laws and provide tailored solutions that fit U.S. market conditions.

Not meeting all the requirements?
You might still qualify.

Let’s talk. Call us or email us today.

Learn More About Small Business Loans with Grow Capital Funds

Is a Business Loan Right for You?

Business loans through Grow Capital Funds are designed to support small businesses across many industries. While a business loan can be a smart choice for growth or stability, it's not always the best solution for every situation. To make the right decision, compare your financing options, assess your business goals, and choose the lending partner that fits your needs.

Comparing Business Loans with Other Financing Options

Not sure if a business loan is right for your company? The best place to start is by understanding how loans compare to other forms of financing.

Business Loan vs. Business Line of Credit
A line of credit offers ongoing access to funds up to a set limit. You borrow what you need, when you need it, and only pay interest on the amount used. Business loans, by contrast, offer fixed funding and predictable payments — often at lower interest rates.

Business Loans vs. Revenue-Based Financing
Revenue-based financing involves repayments based on a percentage of your ongoing revenue. It’s more flexible during slower months but lacks the structure and stability of a traditional business loan.

Business Loans vs. Equipment Financing
Equipment financing helps businesses purchase machinery or tools, using the equipment itself as collateral. A business loan gives you more freedom, allowing you to allocate funds where needed — whether that’s hiring, marketing, or working capital.

What Type of Business Loan Is Best for You?

Every business is different. Choosing the right loan depends on:

  • Your industry and business model

  • Your cash flow needs and repayment flexibility

  • How quickly you need the funds

  • Whether the funds are for growth, stabilization, or seasonal needs

Our specialists at Grow Capital Funds are here to help you match your goals with the right solution.

Pros & Cons of Business Loans

Benefits:

  • One-time lump sum to fuel growth

  • Fixed repayment schedule for easier planning

  • Competitive rates from a trusted lender

Potential Drawbacks:

  • Less flexible than revolving credit

  • May require collateral

  • Tougher qualification criteria for newer businesses

Where to Get a Small Business Loan

Traditional Banks & Credit Unions
Offer low rates and personalized service but may require long paperwork processes and have strict requirements.

Online Lenders (Like Grow Capital Funds)
Offer faster funding, less paperwork, and flexible approval criteria. Ideal for businesses that need quick access to working capital.

SBA Lenders
Backed by the government and great for businesses that qualify, SBA loans offer long repayment terms and low rates — but the process can be slow.

Business Loan Brokers & Marketplaces
These platforms compare lenders on your behalf. They can save time but often charge broker fees or commissions.

How to Get a Business Loan in 2024

1. Assess Your Needs:
Decide how much funding you need and how you’ll use it — marketing, payroll, inventory, or expansion.

2. Know Your Options:
Compare loan types such as fixed-term loans, lines of credit, and equipment financing.

3. Compare Lenders:
Look at terms, rates, customer reviews, and experience with your industry.

4. Check Your Eligibility:
Most lenders look at your credit score, time in business, annual revenue, and business structure.

5. Prepare Your Documents:
Have tax returns, bank statements, profit/loss reports, and your business plan ready.

6. Apply:
Submit applications to multiple lenders and evaluate offers side-by-side.

Before You Apply

Evaluate Your Needs:
How much do you need? How quickly? How will you repay it? Make sure you know exactly what you’re applying for.

Check Minimum Requirements:
Grow Capital Funds looks at factors like time in business, revenue, and credit score. If you’re unsure where you stand, speak to a funding specialist.

Compare and Research Lenders:
Look for transparency, speed, and support. Don’t just compare rates — compare the full experience.

Gather Your Documents:
Typical requirements include financial statements, tax filings, licenses, and a clear business plan showing how you’ll use the funds.

After You Apply

Review Your Offers:
Compare interest rates, repayment terms, total cost, and hidden fees. Choose the offer that aligns best with your cash flow and goals.

Use the Funds Wisely:
Stick to your plan. Whether it’s growth or catching up on expenses, allocate your funds strategically to avoid financial strain.

If You’re Declined:
Don’t give up. Ask for feedback, improve your credit, or explore other options like revenue-based financing or lines of credit. Grow Capital Funds can help you build a plan and try again when you're ready.

At Grow Capital Funds, we’re committed to helping you understand and access the right financing for your business. Let’s grow — together.

FAQs

    • A business loan is money borrowed from a bank or financial institution to help with the costs of running or expanding a business. It’s typically repaid with interest over a set period of time.

  • To qualify for a business loan, you usually need to have been in business for a certain amount of time, show steady revenue, and have a good credit score. Lenders may also ask for a business plan, tax returns, and financial statements.