Money Man 4 Business | Premium Business Financing Solutions
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Google Logo Rating: 3.9 ★★★★★ (48 reviews)

Elevate Your Business With Smart Capital

Access up to $15 million in funding with competitive rates, monthly payment and flexible terms designed to fuel your business growth and expansion.

SBA Preferred Lender
FDIC Lenders
Fast Approval
Business growth
$500M+
Funded to Businesses
24-48h
Approval Time
97%
Approval Rate
2,500+
Businesses Funded

Premium Financing Solutions

Tailored loan programs designed to meet your business needs at every stage of growth

Best Value

SBA 7(a) Loan Program

Up to $5 million | Prime + 3% variable rate

  • Minimum Credit Score: 650 Experian
  • Business Age: 18+ months in operation
  • Revenue Requirement: $30k+ annually

Recent Fundings (10 Year Term)

Loan Amount Monthly Payment
$500,000 $6,746.75
$350,000 $4,722.72
Flexible

1-25 Year Term Loans

$50K – $15 Million | Rates from Prime + 9.99%

  • Minimum Credit Score: 600 Experian credit score
  • Business Age: 6+ months in operation
  • Cash Flow Requirement: $3.5k/month (home-based) or $6k/month (commercial)

Recent Fundings (5 Year Term)

Loan Amount Monthly Payment
$3.9 Mil $44,279.49
$1.8 Mil $20,436.69
Startup Friendly

SBA Working Capital Loan

$30,000 - $350,000 | Rates from 9.50%-13.25%

  • No Minimum Credit Score - Startups welcome
  • Startup Friendly: Only 5-10% borrower injection required
  • Bankruptcy: Discharged 3+ years ago

Recent Fundings (10 Year Term)

Loan Amount Monthly Payment
$350,000 $4,673.87
$275,000 $3,672.32
Long-Term Options

SBA 504 Loan Program

Up to $5 million | Prime + 3% variable rate

  • Minimum Credit Score: 650 Experian
  • Business Age: 24+ months in operation
  • Ownership Requirement: 51% or More

Recent Fundings (25 Year Term)

Loan Amount Monthly Payment
$3,200,000 $27,875.44
$1,600,000 $15,682
Fast Approval

Business Line Of Credit

Up to $5 Million | Average 6% - 14%

  • Minimum Credit Score: 575 Experian credit score
  • Business Age: 6+ months in operation
  • Revenue Requirement: $200K+ Annually

Recent Fundings (Indefinite term period)

Loan Amount Interest rate
$250,000 11%
$155,000 11%
Low Monthly Payments

12 Years Business Loan

Up to $500,000 | Rates from 14.9%-24.9%

  • Minimum Credit Score - 650 Experian
  • Advantage: Small monthly payments & no early pre-payment penalties
  • Usages: MCA and Other Debt Refinancing

Recent Fundings (10 Years Term )

Loan Amount Monthly Payment
$425,000 $9,330.26
$275,000 $5,048.76

Ready To Take Your Business To The Next Level?

Our streamlined application process makes it easy to get the funding you need. Get pre-approved today without impacting your credit score.

Get Pre-Approved Now

Frequently Asked Questions

Find answers to common questions about our business loan programs

What credit score do I need to qualify?

Our programs have varying credit requirements:

  • SBA 7(a) Loans: Minimum 650 Experian score
  • Term Loans: Minimum 575 Equifax score or no credit
  • Working Capital Loans: No minimum credit score
How long does the approval process take?

Pre-approval takes just minutes after completing our questionnaire. Full approval timelines vary:

  • SBA Loans: 2-4 weeks typically
  • Term Loans: 1-2 weeks
  • Working Capital Loans: As fast as 3-5 business days
Can I get a loan with bad credit or bankruptcy?

Yes, some options are available:

  • Our Working Capital program has no minimum credit score requirement
  • Bankruptcies must be discharged for at least 3 years
  • No bankruptcies in past 12 months for term loans
What is the interest rate for a small business loan?

The interest rate for a small business loan varies depending on several factors, including the type of loan, the lender, the borrower’s creditworthiness, and the current economic environment. Here’s a breakdown of average interest rates for different types of small business loans in 2023:

  • Traditional Bank Loans: 5%–10% (fixed or variable).
  • SBA Loans: 6%–13% (depending on the SBA program).
  • Online Business Loans: 7%–99% (varies widely based on risk).
  • Business Lines of Credit: 7%–25% (variable)./li>
  • Microloans: 8%–13%./li>
  • Invoice Financing: 10%–30% (factor rate).
  • Merchant Cash Advances: 20%–250% (factor rate).
Google Logo Rating: 3.9 ★★★★★ (72 reviews)

MM4B e-Application/Upload file

Complete the full e-Application form and we'll contact you within 24 hours with funding options.

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