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Business Loans

unsecured business loans

Get Your Cash in 1 – 2 days with Bad or Good Credit!!

If you need funding for your business in less than 24 hours, than Cash Business Capital is for you! Our plans do not have fixed payments- which makes repaying the loan a breeze!  Payment plans are based on a small percentage of your businesses total sales for the month- this allows you to focus on your business and customers without having to worry about making payments you may not be able to afford!!

Loan Requirements:

  • A credit score of 500 or higher
  • Your business must be open for at least three months
  • Business must generate at least $8,000 a month gross income
  • Stable cash flows with minimum four deposits to the bank account
  • You must be able to provide three months worth of business bank statements
  • We fund a range from $2,000-$2,000,000
  • Zero Fees!! We do not, and will not ever charge for this program.
  • Direct deposit into your bank account
  • We can approve you in 1-4 h and have the money ready in 1-2  days

Apply Here Business Loan Application

How does your business loan program work?

We offer business financing with flexible loan amounts and flexible repayment schedules. Though we do pull your credit, we do not use your credit score to qualify you.  How we do this is simply by looking at three months of the businesses banks statements to get you approved.  We want you to focus on your business and customers- and out flexible 3 – 24 months repayment plans make that possible.

Are you going to check my credit?

Yes, but we lend based on your businesses cash flow, not your personal credit score.

How can I use the capital when I receive it?

However, you like.  You can purchase inventory, advertisements, pay a debt, or do that expansion you’ve always to.  Some people even use their capital to make a down payment on real estate investments- it’s always completely up to you!

How much will I get?

Through our business loans, you can receive 2,000 to over 2 Millions based on the revenue of your business generated every month.

Can I pay the loan off early without being penalized?

Yes! Unlike traditional money lenders, we do not charge a pre-payment penalty at any time.  In fact, we encourage you to pay off the loan early but giving you a discount of 8-10% on the remaining loan amount.

When will I get the money in my account? 

When everything is in place, you will receive the funds in as little as 24-48 hours from the time you submitted the application.

Can I get more money down the road?

Absolutely! Once you get funded the first time, our hope is to start building a business relationship with. This enables you to build your business credit with us to you can get more funding when you need it another time.

I’ve been denied by my bank before; can I still get a loan?

Yes. Our system judges businesses differently than traditional banks- we focus on your businesses cash flow instead of your personal credit score or collateral. This means that we can lend to many businesses that have been denied by their bank.

What business industries do you work with?

We work with over 250 different kinds of businesses.  We make loans for restaurants, auto repair shops, retailers, doctors, beauty salons, construction companies, real estate and many other service providers. All industries can be accepted.

What fee are you charging and is there an upfront fee?

We do not charge any upfront or back-end fees- there’s simply never a fee from us!!

What is the interest rate?

There is no one interest rate for all businesses.  What we do is calculate the interest rate based on the business loan you want and the condition of your business.  Interest rate range 5,5% – 28% or for high-risk businesses and short time loan we can use factoring; $1 borrowed, you have to pay back $1,15 – $1,35.

How can payments be made?

Payments can be daily (small portion Mon-Fri direct ACH) or weekly or monthly. All depends on your business condition.

                                                    Start Here!!  

137 comments… add one
  • Henry Bracey

    There is a very successful daycare business that is cash flowing. I would like to purchase it. How can we discuss this further?


    • Hi Henry,

      To qualify for business loan, you have to have open current business generating income, we lend base on your current business cash flow.


  • Dawn Hawkins

    I have an opportunity to buy A Heath-food store and deli and 5 units of commercial rentals but I need help with the down payment, can you help me?

  • Todd

    Im trying to buy a liquor store and building. I am short a substantial amount for the down payment. Amount of the entire purchase is 650k. If you can help that would be great. I would even consider financing the whole thing with you. I am a veteran if ghat helps anything.

    • Hi Todd,

      I can’t finance whole thing because I do not have real estate funding for commercial, but I can help with down payment. Do you have current open business generating income?


  • Rebecca

    I was looking to find out about down payment assistance. How would you be able to supply information about the business being open for the minimum of 3 months and the bank information for 3 months. We are wanting to open the business not proceed with a current business and need additional funds.


    • Rebecca,

      We lend only base on current open businesses cash flow. We don’t do “start ups”


  • I am seek payment assistance and with credit is in the 500. My goal is to use the funds to purchase a current cash flow business that gross over 2 million due a flag gross and inside the hotel a water park for year around entertainment. I can repay the loan and your fee on the loan in for your fee for your service. I am not a dreamer , I am a serous investor with my own market and management staff. I am looking for a reply

    • Hello Harold,

      To get qualify for a business loan, you have to have business generating income. You have to own this business today. We lend base on your business monthly cash flow. We do not lend for new businesses purchase.
      There is no fee for business loan.


  • Ranndy Winograd

    Martin, I don’t understand the repayment terms. Please clarify.

    Q: What is the interest rate?

    A: There is not simply interest rate, for this business loan program we calculate interest different way; for $1 borrowed you have to pay back $1,10 – $1,15 depends of your business condition and loan term.


    • Randy,

      Its simply: if business cash advance with daily ACH than for each dollar what you get, you have to pay back around $1,10.
      If regular business loan with monthly repayment plan, than 7% – 10%


  • rod

    how can I find out you’re a legitimate company?

    • Hi Rod,

      Because I working for free for customers, without upfront or back end or any fee’s, I believe this mean enough security and make my service extremely legit.


  • Gerald Nimberg

    Would like to refer business to you.
    Do you offer referral fees?

    • Hello Gerald,

      Yes, we offer 50/50
      Please contact me by email, I will send you Partner Compensation Agreement,


      • Michael

        I have clients seeking Gap Funding
        Jv.partner to close on there deals
        In Chicago IL. 1st in place need down payment. Some Requesting $38k to $61k Great deals 20% return
        On funds in 90 to 120 days.

        Call us at: 615-568-9753
        Email: (grandiesonm@gmail.com )
        Thanks: From’ Michael

        • Does your client have open business generating income in order to qualify?

  • Rado

    Can the funds received be used to pay off an existing advance?

  • Hjean Wms

    Martin, I am awaiting your confirmation and application form for clients, regarding 50/50 referral.


  • Stacey

    Can you tell me, this sounds like a merchant cash advance. Is the deciding loan amount based on the monthly sales or annual sales and at what percentage?

    • Stacey,

      Both, base on monthly and annual cash flow. We can lend up to 70% of gross income.


      • Stacey

        So, if your business has average deposits of $300k, how much
        loan would you qualify for?

        • $300k a year? If yes, than around $50k -$250k loan


        • Evins B

          My biz makes about 15 to 20k Amonth would be the amount that I could borrow ?

        • Evins,

          Base on your business income you can borrow up to $60,000
          I will send you email with more details, Thank You


  • Stacey

    No, my business makes $300k a month. So how much would I qualify for?

  • yogesh

    dear martin,
    my friend is in the business of scrap from last 3 years in aurangabad,India.
    is he eligible to avail business loan from your programme?

  • I have secured an LOI from a hard money lender for the acquisition of a large property with several income streams. I need the earnest money payment for the hard money, as well as some interim capital. Do you do this kind or loan, and if so, what are the parameters?

    • Randall,

      Yes, we do. To qualify for this type of loan you have to have open running business generate income. We lend base on your business cash flow, please let me know if this is something you be interested, thanks


  • Rhonda jones

    I have a capital loan.
    I’m almost done paying it. When can I borrow again?

  • I have a Tax Consulting business which will gross about 193K this year but my sales have drop tremendously. I am looking for a loan of around 35K until the first of the year once things pick back up. So in other words I need a 9 month loan to sustain with the current client based and to pick up more to move forward until the first of the year. Can you help

  • Nicholas

    I am looking at buying a horse boarding facility the business is in my name I need the down payment of 65,000 what is the longest term to repay

  • Grayson Jacobs

    Martin, I am sending my loan app right now along with 4 months of bank statements. I am a sole proprietor and although I do not have a separate business account, my DBA is on my checks and associated with my accounts. Is this going to be a problem?

    • Grayson,

      Bank statements must be on business name, we can’t underwrite business loan base on bank statements on your name. Also you have to have Tax ID EIN number for your business.


  • Matt

    I have a current loan with square and have been paying it off over the last 3-4 months. I generate a very steady cash flow and have for the last 2 years. I am wondering if there is an opportunity to apply for additional money to be added to my current loan, a second loan? I have this one almost half way paid off, and I have a few needs for the business at the moment and that would be a huge help. What is the process if so?

  • Linda

    It says you don’t worry about the past credit but in the requirements say min of 500 credit score. Is that with any of the credit reports or all three min 500.

    • Linda,

      For business loans minimum credit score with all 3 reports must be 500


  • Scot Decker

    I am looking to purchase a marina. A local bank will do 80%. Need help with the down. Is this something you can help with? Have an appraisal dated June 2015 on property. Includes RE & business personal property

    • Scot,

      I can help. To qualify you have to own open running business generating min. $8k business revenue a month, let me know.


  • Emily Carroll

    Needing help with down payment on a business loan. We are needing 20% of the 405,000 we offered for a successful business that’s been open since 1972. Is this something you do?

    • Emily,

      Do you have current open running business generating monthly income? We need min. $8,000 in business revenue to qualify for any business financing.


  • Lucas zona

    I own a small vapor store. Business is doing good, but I need inventory.. I have used square since April 1st.. Square knows every transaction.. I asked for $2100.. I have had up to $1300 deposit and smaller deposit.. My inventory slowly started to slim down After paying for cost of operations, (rent, utilities, payroll, and a few other non revenue) my start up money slowly started wearing down to not having much inventory and because of that, business has slowed down.. No customers come in when you don’t have any thing to sell.. I hope I qualify.. I really need the help.. Thank you for taking the time to read this..

    • Hello Lucas,

      To get qualify for business loan your business income must be minimum $8,000
      Please let me know your monthly gross revenue?


  • I don’t deposit all of my business cash flow into my business account because some of my business debt I pay in certified fund, rent, energy, etc. can you base my cash flow off my income statement provided by Square Up?

    • Hello Helen,

      We lend base on business revenue and we need business bank statements for underwrite the loan. All income what is on bank statements will be taken as a business income.


      • Helen

        I guess what I’m asking is can I submit my square income statements to support my bank statements. My business income exceeds $6000, however, many of my customers pay in cash which I don’t deposit all into the account Because I have some bills I pay in secured funds

        • Helen, minimum income what we have to see on business bank statements is $8,000 each month


  • Mr. Collins

    Im interested in utilising the program for 10% of the purchase a business (SBA loan available on the remaining 90%, how do we further the conversation?

    • Hi Mr. Collins,

      Thank you for your interest. To get qualify for down payment assistance or business loan, you have to have open business generating income. We lend base on business revenue only. Minimum business cash flow to qualify is $8,000 monthly,


      • Mr. Collins

        Thanks, the business i seek to acquire meets the criteria, will that suffice or do i need to already be the proprieter?

  • amanda

    how do i send in an appilcation?

  • John

    Do you need to have a Business bank account? or can I use my personal account which is what I use with my square set up. My credit score is 690 and I make and deposit more than 5000 per month


    • John,

      To qualify for business loan we need last 3 months of your business bank statements,


  • Martin,

    I submitted an application to martin@squarecapitalfunding.com
    Please let me know that you received my application.

    Warm Regards,

    Rich Chiniquy – Owner/Operator
    Rich’s Carpet Cleaning Plus
    Pleasant Grove, UT 84062
    (801) 687-1709

  • I currently am paying square back on a regular basis, but I need another plow truck. Can I ask for more help or do I need to pay square back in full first?

  • Jay

    Is this the same program as square capital?

  • Omar

    Hello I own a small Daycare here in NY and I buy my own house programming for next year. This is my first year working in my own business, my question is, you have some program for me because I am interested in buying a home and have some help or down payment assistance.

    • Hi Omar,

      To qualify for down payment assistance you have to own a business with min. $8k monthly income. Let me know,


  • Ellen Tomiye

    I was skeptical at first. I have been using Square since June or July this year when my credit card machine from my bank stopped working and I would have to purchase another at $300+. A few weeks ago, while wondering how I would be able to make ends meet and surfing the net I remembered the Capital link on my square account. I was offered 3 different amounts and I clicked the one that I felt would help. The next day, the money was in my bank account. See, I own 2 small takeout soul-food restaurants and the Holiday time is slow and after the Holidays go, the snow and road closings start here in Virginia start-due to the snow. Anyway, as I said, I was skeptical at first but I was wrong. To me it as if someone gave me money because I don’t miss the few dollars that come out at the end of the day. Square reader was the best decision that I have made when it comes to credit card processing. For instance, I have been in my first restaurant for almost 9 years, a few months back I applied for a minimum loan of $1000.00 through my business and was denied. What’s worse is the fact that I have been dealing with them this entire time 2 business checking and 2 business merchant services accounts and they wouldn’t loan $1000? They take pride in knowing their customers right? but they knew me and didn’t loan, Square doesn’t know me but they helped with a lot more than $1000! I thank square for helping me. Please don’t think I am a friend or employee with square. This is real and my advice to anyone in a contract merchant processing deal, Run! as soon as the contract ends, Run! Square is the bomb!!!!

  • Marques Pardue

    I just wanted to be clear, your business funding is based off of the monthly income not yearly correct? I’m just trying to determine if you are a revenue lender (royalty) or cash advance.

  • kareema brown

    do you work with brokers? if so can you email me any documents and/or applications.

    Thank you

  • Hello I am on my second business loan and the first one I got half way and they gave me more . I am now halfway thru my second one and wanted to see if I can borrow more. I been in business since April and HV made 23000 so far so I know I can pay it off. Anyway u can tell me what I should do.
    Thanks in advance

    • Ashley,

      Please send me application and last 3 months of your business bank statements,


  • Emily

    I have a little over 300.00 left on my square loan that I’d like to pay off early in a lump sum and get another loan through square. Am I eligible and how soon could I do it if I was?

  • I have had my business for four months. The first month did nothing, the second did $28,000 in one deposit. The next month did the same. $28,000 one deposit. This month I’ve deposited $2300 so far. Do I qualify? And if so for what amount?

  • If I need extra cash to buy a tent for my trade shows…is it possible to do so, before my first loan is paid in full?

    • Yes, please send me application and last 3 months of your business bank statements.


  • sonia


    Do you land ( Down Payment) for Mobile Home Park also?

    • Hello Sonia,

      Yes, we can help with down payment for Mobile Home Park. To qualify, you have to have open running business generating at least $8,000 gross revenue a month.
      Let me know if you are interested,


  • Mr. Favoes

    Good day..I hope all is well… WE HAVE BEEN IN BUSINESS FOR 7 TEARS
    WE ARE SEEKing a line of credit FOR 500K
    TO EXPAND TRI STATE we generate $6000 a month at the moment… Is this an amount we qualify for?

  • Jessica

    Can you use a business loan to purchase commercial property? Do u have a solution to purchase/aquire rental property with more than 4 units?

    • Yes, to get qualify, you have to own business generating income. We lend only base on business cash flow.

  • Hi there,

    I have been in business for over 4 years and we have taken advantage of square Capitol in the past and love it. I see the new program now however, I do not gross $8000 monthly. My average is around $7000. What are the options with that! Thank you for your time

    Sincerely, Lewis

  • Brian

    Can you explain your repayment plan a little better. I know you say $1,10 – $1,18 but i still don’t quite understand. Ex: how much will be paid back for a $40,000 loan?

    • Let say you have 12 months loan duration, than $40,000 loan your payback will be around $50,000

  • Michelle

    Please explain the breakdown of paying loan back.
    Is it for every $1 you payback $10 or for every $1 you payback $1.10?

  • i currently have a square capital with you, i got 4300 and i only owe you like 930 left, i pay an average of 20$ a day. it should be paid pf mid to end of may. once it is can i get a bigger loan? we are wanting to purchase the building. right now we are just leasing it. we will be open 1 year at the end of this month and have grown alot busier. please get back with me as soon as you can thank you!

  • Dan Viens

    I’ve been using square for years and I’ve taken several square capital advances. With other merchant advance companies once I’ve paid over 50% of the amount funded I’ve had the option to request additional funds if needed. Does square offer any way of requesting additional funds before paying 100% of the capital back?

  • Erika

    Hi, is there a fixed daily rate you take for repayment? To be clear, you are Square Capital Funding a separate business from Square the company that also has Square Capital?

  • David G.

    I sent over an application via email. How long typically dos it take to process it?

    • If we have all required documents (application + 3 months of business bank statements) than 2-3 hours, to close and wire cash we need few more hours.

  • Lucille Page

    I am looking for a loan for $35,000 to pay debts on commercial property that I inherited, which would clear title to me. The property has been owned by my parents for 55 years. The County has its taxable value at $72,000 and have tried to increase it to $142,000, but I protested the increase and won. Tax assessor said that the increase will come.
    I want to clear debt and open a drive thru food business. Excellent location; little overhead.
    I am now living on the property in an RV .
    Do you loan money on a deal such as this? My credit went downhill within the past year, but I am employed at present and receive Social Security.

    • Lucille,

      We lend money base on business revenue only. If you own a business generating income we can help,


  • Timms

    Can I call you for a approval over the phone

    • We do not do over the phone approvals. The process has to get approved through our partners and then we will reach back to you.

  • Hi! Do you guys allow additional funding if we are currently 40% paid off on our current capital? We have a big purchase needing to be made for our new location, have done three or more square capital loans already, but not sure if Square capital allows this.

  • Alice

    Hello i have a childcare facility we do about 11-14k month i am looking to expand I have negative days on my bank statements can I qualify for a loan. The negative days are because i need additional working capital

  • Derrick Noble

    Martin, you get the Island Crew application?

  • We do not gross $8,000 a month more like $4,000. We are in the antique business. We found a house with attached shop valued at $151,000 we can buy for $100,000. Do you know someone who can help a smaller business like us.

  • Michele Tanner

    We currently have a square capital loan & are 1/2 way into having it paid off. We have encountered some unforeseen unexpected expenses when our freezer went out. Is it possible to renew our loan & continue paying on our loan?

  • Agents or affiliate program available?

  • Jeff

    Square loan is great if you need cash fast. But, repaying the loan can hurt your business too if you don’t figure out ahead of time on the payback.
    Square monthly repayment is between 15-18% of the credit sales (yes, Square want their money back ASAP).
    Example: If you barrow $8,000 @ 17% monthly repayment from the credit card sale.
    Your credit card sales amount is $10,000 for that month, your payment is $1360.

    • Hi Jeff,

      Thank you for that information- however we are not Square but Square CAPITAL FUNDING. Our loans and interest rates are far better then Square and we often offer a discount if you pay off early. We’ve had a lot of customers come to us after using Square and they are very happy with what we provide. Thank you again!

  • I have been in a retail business co-op that I own and run for over 2 years, and I am looking to purchase my current location. I need to clarify the monthly minimum, as I don’t keep all the money in the bank, obviously as I pay my consigners with cash (I know not a good idea- but it’s hard to change bad habits). Please let me know if you can help with purchasing my building, which is a total of $85,000.

    • Diana,

      Monthly min. deposits in business bank account must be $8,000
      If you want to move forward, please send us application http://www.squarecapitalfunding.com/apply/ and last 3 months of your business bank statements (all pages) we can approve in same day. Let me know if you have any questions,


  • Denise D

    Hi I need to speak to someone about a loan. I own a small business and I am a single woman. My credit score is between 550-570. In the rebuilding stage due to an ex husband! I sent a text to the number it gave me and no one has responded. I have a question about to bank account deposit amounts per month. Can you help?

    • Denise, your monthly business revenue must be min. $8k
      If you want to continue, please send us application (attached) and last 3 months of your business bank statements (all pages)


  • Anthony

    Do you do downpayment loan for apartment? I am looking for a lender who can do about $2 Million.

  • I have a 32- Unit Value Added Opportunity in a Class A location. My company can get the conventional lender for 75%-80% LTV. Looking for accredited investors for the down payment, renovation costs, and all acquisition costs to purchase the apartment. In return, my company will pay a projected range of 8-15% cash on cash return a year over a 5 year hold. We would refinance or sell the property as our exit strategy and pay back the investors their principal back at this time. My company is SEC compliant and has a PPM (506c) $2.5M to raise capital to investors. Investors are equity partners and will receive a 75% of the cash flow plus 75% of the equity on the back end. Do you lend on real estate asset or know anyone that may be interested as equity partner in my projects.

    • Jim, please send us application and last 3 months of your business bank statements,


  • Laurel

    I have paid off one small square loan and am about half way thru my second – can you tell me if And how much I would qualify for on a third loan? I would like to pay my current loan off early to qualify for another loan but would need to be certain I would qualify for another before paying off early.

  • Armando Nieves

    How do you get in touch with your referral program?

    Thank you

  • Ray

    I have a small contracting business that needs capital. I have just recently signed a contract that will pull in approx. 500,000.00 for the rest of the year. However, I need capital for travel and the initial room and board. This is the largest contract I have signed since in business. Other contracts have been on much smaller scale. Looking to grow. What can you do for me.

  • Kara Norrell

    If you pay off your square alone early and you want to get another loan how quick are you eligible to get another load? Pretty fast or not? Also how many times can you get a loan from Square when u pay it off?

  • Michael Mack

    Check it out… I have a cash cow pump’n out 20k a month out. The lot next door is for sale but it’s useless without my property…. so I thought. Now I see suits sniff’n around. If someone builds something I’m screwed because they’ll block my view. I just bought new equipment and cannot pull this purchase off without help. What kind of money would a 20k mo cash flow get me?

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