Small business loans, matched to your actual situation.
Pro Funding Options is a funding marketplace. We match U.S. small businesses with the right lender for the right product — line of credit, term loan, SBA, equipment financing, working capital, invoice factoring, and more — without forcing every applicant into the same one-size-fits-all product.
What we mean by "small business loan"
"Small business loan" is a catch-all phrase. In practice, it covers half a dozen very different products with different costs, repayment structures, qualification requirements, and use cases. Walking into a bank and asking for a "business loan" is like walking into a hardware store and asking for a "tool" — the right answer depends entirely on what you're trying to do.
Our job is to figure that out with you in a short call, then surface the products in our lender network that actually fit. You get to compare offers side-by-side instead of being pushed toward whichever product pays us the most.
The most common small business loans we place.
Click any product for ranges, terms, pros and cons, and how it compares to alternatives.
Business Line of Credit
Business Term Loan
SBA Loans
Working Capital
Equipment Financing
Merchant Cash Advance
One application. Real specialists. Side-by-side offers.
Soft-pull pre-qualification
Find out what you qualify for without affecting your personal credit score. A hard pull only happens if you choose to move forward with a specific offer.
Real specialists, not chatbots
Every applicant is paired with a funding specialist who knows our lender network and your industry. Direct phone number, real answers, weekday and weekend availability.
Compare offers side-by-side
We surface every product you qualify for — not just the one with the highest commission. The right product depends on your business, not our incentives.
Quick answers before you apply.
How long does the process take?
Pre-qualification takes about 2 minutes online. Initial offer comparison happens the same business day. Time-to-funding depends on the product: working capital and merchant cash advances often fund in 1–3 business days, while SBA loans typically take 4–12 weeks because of the additional underwriting.
What credit score do I need?
It varies by product. Working capital and merchant cash advances can approve at 600 or lower because they underwrite on monthly revenue. Business term loans and SBA loans typically want 660+. We screen your file against the lenders in our network and only submit it to ones whose criteria you meet.
How much can I qualify for?
We place ranges from $5,000 up to $10,000,000 depending on the product, your time in business, monthly revenue, and credit profile. The fastest way to find out specifically what you qualify for is the application — it's free and won't affect your credit.
Do you charge any fees?
No application fees. We are paid by the lender on funded deals, not by you. That means there's no upfront cost for finding out what you qualify for.
Is Pro Funding Options a lender?
No. We are a funding marketplace — we match your business with the right lender from our network. Not being a direct lender is what lets us put multiple offers in front of you instead of pushing one product.