EQ Funding is where businesses get funded fast — and on the best terms. One application, 50 specialized lenders competing to fund you, real side-by-side offers — funded in hours, not months.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their firm offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Fixed-rate capital with predictable monthly terms, 2 to 10 years.
Government-backed rates and the longest amortizations on the market.
Revolving capital, drawn on demand. Only pay for what you use.
Funding tied to receivables. No collateral, no fixed term.
Capital secured by the asset itself. Section 179 eligible.
Convert outstanding receivables into same-day working capital.
Founder-friendly financing built around projections, not just revenue.
Bridge, acquisition, and asset-backed financing secured by commercial property.
How to get a business loan — what lenders check, which loan type fits your need, the documents you'll need, and how to apply once instead of a dozen times.
Every major business loan type compared — term loans, lines of credit, SBA, revenue-based, equipment, factoring, and more — on cost, speed, credit, and best use.
How SBA loans work — the government guarantee, 7(a) vs. 504, what you need to qualify, the documents required, and how to find an approved SBA lender.
How equipment financing works — why the asset is the collateral, financing vs. leasing, the Section 179 tax angle, and which industries it fits best.
No effect on your credit score. Pre-qualification is invisible to other lenders and has zero impact on your FICO. A hard inquiry only happens once you accept a specific lender's offer.
None to start. The 7-question application takes ~2 minutes and uses no documents. Once we route your file and an offer comes back, lenders typically request: 3–6 months of bank statements, a driver's license, and (for amounts over $250K) a recent tax return.
Median end-to-end for term loans and lines of credit is under 2 days. Revenue-based products can fund same-day. SBA loans take 14–30 days due to government underwriting — the trade-off is the lowest available APR.
Probably. We work with lenders who underwrite on revenue and trajectory, not just credit. Operators with sub-600 scores routinely fund here through revenue-based products and equipment financing.
No. We match you to the lenders most likely to fund your specific profile, then you choose which ones to apply to — your application is only sent to the lenders you select. It is never broadcast publicly, sold to data brokers, or shared with companies you didn't authorize.
Nothing, to you. EQ Funding is paid by the lender when your deal closes — never by you. We only get paid if you accept an offer, so we're motivated to find you the best terms.
Six questions. Two minutes. No effect on your credit score. Firm offers from 50 lenders within 24 hours.