Tell us about your business and what you want to fund. A verified business finance professional will explain the options, what each one costs, and what lenders look at.
A verified professional will get in touch.
Each solves a different problem. The best one depends on what the money is for and how fast you need it.
A lump sum repaid over a set period. Suits a one-off need such as expansion or a major purchase.
Loans partly guaranteed by the Small Business Administration and made through lenders. They can offer longer terms, but the application is often more involved.
A limit you can draw on as needed and repay, paying interest only on what you use. Useful for uneven cash flow.
A loan to buy equipment or vehicles, usually secured by the equipment itself.
Borrowing against unpaid customer invoices to free up cash while you wait to be paid.
Money repaid from future sales. It can be much more expensive than a loan, so compare the total cost carefully.
Many lenders want to see a track record, and some set a minimum.
How much the business brings in, and how steady it is.
Your personal credit, and your business credit if you have it.
Whether the business can comfortably cover the repayments.
What is pledged as security, and whether you are asked to guarantee the loan personally.
What you will use the money for, and how much you need.
APR is the yearly cost including fees. A factor rate is a fixed multiplier and can hide a high yearly cost.
Origination, closing and packaging fees add to what you pay.
Daily, weekly or monthly payments affect your cash flow differently.
Add up every payment so you can compare offers fairly.
You should know whether clearing the loan sooner saves money.
Understand what you could lose if the business struggles to repay.
You need to know what funding is realistic at the start.
You need working capital to bridge a quiet period.
You want to spread the cost without draining your cash.
Growth needs money before it brings money in.
Unpaid invoices are tying up cash you need now.
You want to understand why and what else is available.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
A term loan, a line of credit, equipment financing and invoice financing each solve a different problem.
Fees, repayment schedules and total repaid explained, so offers can be compared fairly.
You get the options explained. Whether to apply is always your decision.
It depends on your revenue, time in business, credit, cash flow and the type of funding. A professional can tell you what's realistic for your situation.
It can be harder, since many lenders want to see a track record. Options may include equipment financing, microloans and certain SBA programs, and a professional can explain what's realistic.
APR is the yearly cost of borrowing including fees. Some products quote a factor rate instead, a fixed multiplier that can hide a high yearly cost. Ask for the total you'll repay and the equivalent APR.
Many business loans require one or both. Ask exactly what you would be putting at risk.
Namoye doesn't check your credit. A lender usually will when you apply, so ask whether that first check is soft or hard.
What your business does and how long it has operated, annual revenue, how much you need and what it's for, a rough idea of your personal credit, and your ZIP code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It is not a lender, broker or financial institution, and it doesn't make credit decisions.
No to both. A verified professional contacts you, and Namoye is free for you.
All US finance · Personal Loan · Credit Repair
Namoye is a free matching service. It is not a lender, broker or financial institution, and it doesn't make credit decisions. Any offer you receive comes from the professional or company that contacts you.
Send your details and a verified business finance professional will get in touch. Free, with no obligation.
Talk to a funding expert