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.

Get My Pre-Approval Offers

Takes 3 minutes. No credit inquiry, no harm to your credit score, no SSN.

SBA Preferred Lender
FDIC LendersFast approval
EV SSL
Google 3.9★★★★★48 reviews
$500M+
Funded to Businesses
24-48h
Approval Time
97%
Approval Rate
2,500+
Businesses Funded
How It Works

Get Funded In 3 Simple Steps

Business owners don't have time to waste. Watch, choose, and take action.

1

Watch the CFO message

Hear from John Guillory on how to choose the right financing for your business.

2

Choose your category

Term Loans, Commercial / Investment Real Estate, SBA Loans, or Most Expensive Business Money.

3

Get Pre-Approval Offers

A 3-minute questionnaire — without credit inquiries and no harm to your credit score.

Loan Programs

Premium Financing Solutions

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

Term Loans: Fixed monthly payments from 1 to 25 years — from $50K up to $15 million.

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Commercial / Investment Real Estate: Commercial / Investment Real Estate Business Loans to purchase or refinance commercial and investment property.

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SBA Loans: Government-backed SBA programs with long terms and low monthly payments.

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Most Expensive Business Money: For credit scores under 650 — MCA advances and loans. Merchant Cash Advances run 20%–250% (factor rate).

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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 AmountMonthly Payment
$500,000$6,746.75
$350,000$4,722.72
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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 AmountMonthly Payment
$3.9 Mil$44,279.49
$1.8 Mil$20,436.69
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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 AmountMonthly Payment
$350,000$4,673.87
$275,000$3,672.32
Apply Today
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 AmountMonthly Payment
$3,200,000$27,875.44
$1,600,000$15,682
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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 AmountInterest rate
$250,00011%
$155,00011%
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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 AmountMonthly Payment
$425,000$9,330.26
$275,000$5,048.76
Apply Today
Let's Grow Together

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 My Pre-Approval Offers
3-minute questionnaire Without credit inquiries No harm to your credit score
100% Free

Free Information, Free Videos, eBooks & Brochures

Learn how business financing works before you apply. Sign up free and get instant access to our videos and guides.

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Free opt-in · Instant access
Free InformationPrograms explained simply
Free VideosWatch and learn at your pace
eBooksIn-depth financing guides
BrochuresProgram details at a glance
FAQ

Frequently Asked Questions

Find answers to common questions about our business loan programs

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

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

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

Rates vary by product, creditworthiness, and the rate environment. Typical ranges:

  • Traditional Bank Loans: 5%–10%
  • SBA Loans: 6%–13%
  • Online Business Loans: 7%–99%
  • Business Lines of Credit: 7%–25%
  • Microloans: 8%–13%
  • Invoice Financing: 10%–30% (factor rate)
  • Merchant Cash Advances: 20%–250% (factor rate)
SBA 504 financing for heavy equipment and fixed assets

Pre-approval takes just minutes after completing our questionnaire.

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Success Stories

Client Success Stories

See what business owners say about working with Money Man 4 Business.

Latest reviewsVerified on Trustpilot
Full Application

MM4B e-Application / Upload File

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

  • Complete the e-ApplicationTell us about your business and funding needs
  • Upload your filesAttach your documents securely
  • Hear back within 24 hoursWe'll contact you with funding options
Not ready for the full application?

Get Pre-Approval Offers in 3 minutes — without credit inquiries and no SSN required.

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Your information is 100% secure
Trusted by business owners
3.9★★★★★Google · 72 reviews 4.4/5Average rating
97%Approval rate
2,500+Businesses funded

Start your application

We'll contact you within 24 hours with funding options.

3-min Pre-ApprovalNo credit inquiry · No SSN Get My Offers