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US Business Funding is a great choice for equipment financing, SBA loans, or working capital loans. It earned a 95% approval rate and offers 60-second approvals.
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WRITTEN & RESEARCHED BY
Editor & Senior Staff Writer
Last updated onUpdated
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REVIEWED BY
Expert Contributor
Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
US Business Funding
| Total Rating |
3.6 |
|---|---|
| Rates & Fees3.0 | |
| Services4.3 | |
| Eligibility Requirements4.1 | |
| Application4.5 | |
| Sales & Advertising Transparency2.8 | |
| Customer Service2.0 | |
| User Reviews3.8 | |
US Business Funding At A Glance
- US Business Funding can connect borrowers to numerous funding products, including SBA loans, equipment financing, and MCAs.
- With multiple funding programs in place, US Business Funding has a 95% approval rate.
- There are no set credit score or revenue requirements, and funding programs are available for businesses that have been in operations for as little as six months.
Pros
- Borrower qualifications are lower than banks
- High borrowing amounts
- Application process is fast & easy
- Funds are disbursed quickly
Cons
- Rates can be expensive
- Some additional fees are charged
- Complaints about aggressive sales tactics
Table of Contents
What Is US Business Funding?
Through US Business Funding, small businesses can apply for equipment financing, Small Business Administration loans, or working capital solutions, including small business loans, merchant cash advances, and lines of credit.
Depending on the type of loan you’re seeking, you can be funded in as little as 24 hours with minimal paperwork requirements. US Business Funding has earned a 95% approval rate by securing funding for new businesses, borrowers with credit challenges, and businesses that haven’t had success with other lenders.
US Business Funding also has competitive rates, claiming to beat competitors on the cost of funds 94% of the time. The professional staff will find a custom solution for your small business, helping you get financing with the best available rates and terms for your situation.
Services Offered
| Services4.3 |
|---|
| Lending Services 5.0 |
| Lending Limits 5.0 |
| Payment Portal & Mobile App 2.5 |
US Business Funding offers the following:
- Equipment Financing: Equipment financing encompasses loans, leases, and similar products used specifically to acquire equipment. US Business Funding provides both loans and leases.
- SBA Loans: SBA loans are partially guaranteed by the Small Business Administration. These loans tend to have better term lengths and rates than the borrower would typically qualify for, but the application process is longer and more involved.
- Working Capital Loans: Working capital loans are flexible loans that can be used to finance everyday business operations. Note that in the context of US Business Funding, this may also include loan-like products, such as merchant cash advances and lines of credit.
Across its lending programs, US Business Funding offers funding solutions from $10,000 to $10 million. And with everything from merchant cash advances for borrowers that don’t qualify for other financing to low-cost, long-term SBA loans, businesses can find the funding they need for any situation. For these reasons, we rated US Business Funding 4.3/5 — with only slight deductions taken for the lender’s lack of a mobile app.
Borrower Qualifications
| Eligibility Requirements4.1 |
|---|
| Availability 5.0 |
| Borrower Qualifications 4.0 |
| Transparency 3.0 |
Qualifications for financing through US Business Funding are based on the type of loan the borrower is seeking. Some loans, such as merchant cash advances, have more lenient requirements than other products, such as SBA loans.
While some borrowing requirements are disclosed, US Business Funding still leaves a few gaps. Minimum revenue and personal credit score requirements aren’t disclosed. While you can assume that this is because there are many different funding programs available for most circumstances, it would still be nice to get an idea of what you could qualify for without having to fill out an application. It is this lack of complete transparency that contributed to our score of 4.1/5 for this category.
Let’s break down the requirements of each type of loan offered by US Business Funding.
Equipment Financing
Here are the qualifications for equipment financing from US Business Funding:
| Time In Business: | 6 months |
| Business Revenue: | Undisclosed |
| Credit Score: | Undisclosed |
Most of US Business Funding’s equipment financing programs have a time-in-business requirement of at least two years; however, programs are available to businesses that have been in operation for as little as six months.
The lender does not specify credit score requirements or revenue requirements. However, your personal credit score will be a factor for approval, and the highest scores will qualify for the best rates and terms.
Small Business Administration Loans
Through US Business Funding, you can apply for the SBA 7(a) loan or the SBA 7(a) Express loan. To qualify for either loan, you must have a strong personal credit score in the high 600s. Your credit report should be free of bankruptcies, tax liens, foreclosures, and past defaults on government loans. You must also meet the size standards set by the SBA, which limits the number of employees, annual revenue, and net worth of your business.
You must also own a for-profit business based in the US and operate in an eligible industry. Ineligible industries include businesses involved in lending, politics or lobbying, gambling, or illegal activities.
To receive an SBA loan, all owners of 20% or more of the business must sign a personal guarantee. Depending on the loan amount, you may be required to put up business loan collateral to secure the loan.
Working Capital Loans
Here are the qualifications for working capital loans from US Business Funding:
| Time In Business: | 12 months |
| Business Revenue: | Undisclosed |
| Credit Score: | Undisclosed |
To qualify for a working capital loan, your business must be in operation for at least 12 months in the same location. Your credit report should be free of outstanding bankruptcies or tax liens that aren’t on a payment plan. You must also have a physical location and operate in an eligible industry. Businesses that are 100% online are not eligible to receive a working capital loan.
Your personal credit score is a factor for approval. However, even if you have past credit challenges, you may still qualify for a loan through US Business Funding.
Rates & Fees
| Rates & Fees3.0 |
|---|
| Pricing 3.7 |
| Affordability 2.2 |
The terms and fees for your US Business Funding loan are based on the type of loan you select, your personal credit history, and your total borrowing amount.
While US Business Funding provides some information on its rates, there isn’t much information about fees, and the full range of rates for its products isn’t disclosed. For these reasons, we’ve rated the lender 3/5 in this category.
Equipment Financing
| Borrowing Amount: | Up to $10,000,000 |
| Term Length: | Up to 10 years |
| Interest Rate: | Starting at 3.5% |
With US Business Funding’s one-page credit application, eligible borrowers can receive up to $75,000 for equipment financing. With a full financial package, you can receive up to $10 million.
Rates vary based on the borrower’s credit profile and the financing program selected. For the most qualified borrowers, rates start at just 3.5%.
Equipment leasing options available through US Business Funding include:
- Fair Market Value Leases: With an FMV lease, you receive the equipment you need while paying low monthly payments. Once your lease ends, you can return the equipment and enter into a new lease, or you can purchase the equipment at market value.
- Dollar Buyout: A Dollar Buyout is also known as a capital lease. Once the lease agreement ends, you can purchase the equipment financed for just one dollar.
- Wrap Lease: This type of lease is for current US Business Funding borrowers. With a Wrap Lease, borrowers can consolidate debt, close out an old lease, and enter into a new one. This is ideal for borrowers who are financing more than one piece of equipment.
- Business Expansion: If you’re opening a new location, you can receive up to $35,000 for equipment through the Business Expansion program. There are several requirements to qualify, including opening the new business within close proximity and in the same industry as the old business. The ownership must be the same for the new business, and the original business must have been in operation for at least five years.
- Refinance Program: Business owners can refinance their equipment through this program. The minimum borrowing requirement is $10,000. Refinancing is only available for hard collateral. Software, soft costs, and obsolete materials are excluded.
- New Business Program: Businesses that have been in operation for fewer than two years can qualify for equipment financing through the New Business Program. If you’ve been in operation for under a year, you can receive a maximum of $15,000. Businesses in operation for 12 to 23 months can receive up to $20,000. Personal guarantees and personal information for all owners are required.
- Sales Lease Back: If you’ve paid off your equipment but want to enter into a lease, you can do so through the Sales Lease Back program. Through this program, you can sell your equipment to US Business Funding and sign a lease allowing you to make affordable monthly payments. You must provide invoices, proof of payment, and other documentation to qualify. You must also meet US Business Funding’s credit guidelines to qualify.
SBA Loans
SBA 7(a) and 7(a) Express loans are available through US Business Funding. Although the terms, rates, and details of SBA loans aren’t spelled out by US Business Funding, the good news is that the SBA sets standards for the lending industry, keeping rates low and terms favorable, so there won’t be any surprises during the application process.
Based on the SBA’s standards, here’s a side-by-side comparison of the rates and terms of standard 7(a) loans and 7(a) Express loans:
| SBA 7(a) Loans | SBA Express Loans | |
|---|---|---|
Time to Approval | 2-4 weeks | 36 hours |
Max. Loan Amount | $5 million | $350,000 |
Interest Rates | Base rate + 2.25%-4.75% | Base rate + 4.5%-6.5% |
Max. Repayment Terms |
|
|
Working Capital Loans
| Borrowing Amount: | Up to $10,000,000 |
| Term Length: | 3 months to 10 years |
| Interest Rate: | Starting at 3.5% |
Through US Business Funding, you can apply to receive funding through a small business loan, merchant cash advance, or line of credit. A Senior Financial Consultant will work with you to help find the best financial solution for your business. Working capital loans have repayment terms from three months up to 10 years. Rates for the most qualified borrowers start at just 3.5%.
Application Process
| Application4.5 |
|---|
| Application Process 5.0 |
| Application Timeline 4.0 |
The application process through US Business Funding is simple. To begin, fill out the short application form. You will need to include how much capital you are requesting and how it will be used. An instant quote will show your possible rates and terms. However, this is simply an example and may not be indicative of the rates and terms you’re approved for based on your credit profile, business history, and revenue.
The one-page application will need to be filled out with additional information about yourself and your business, including:
- Gross annual sales
- Years in business
- First and last name
- Phone number
- Email address
- Legal business name
Once you’ve provided these basic details, you’ll be contacted by a member of the US Business Funding team to discuss additional information about your business. Once US Business Funding has a better picture of your business, a Senior Financial Consultant will be in contact to discuss the loan options available to you, documentation requirements, and how to complete your application.
The documentation needed to complete your loan application varies based on the loan type. At a minimum, expect to turn over business bank statements from the last three to six months. For other loans, such as SBA 7(a) loans, additional documentation requirements may be required.
Once all information and documentation have been received by the lender, approval, processing, and funding times vary. Loans of higher amounts and SBA loans may take much longer to approve. Many loans through US Business Funding are approved in seven days or less. Repeat customers may receive their funds in as little as 24 hours.
The application process for US Business Funding is fairly quick and easy, which is why we’ve rated it a near-perfect 4.5/5.
Sales & Advertising Transparency
| Sales & Advertising Transparency2.8 |
|---|
| Sales Practices 3.0 |
| Web Presence 2.5 |
US Business Funding is fairly transparent when it comes to the financial products it offers, maximum borrowing limits, and its lowest rates. The FAQ sections throughout the company’s site are particularly useful.
However, the rates and the instant quote available on the website assume that the borrower has an excellent credit score. To find out what rates and terms you actually qualify for, you have to fill out the one-page application. You’ll then be contacted by a team member for more information on your business to find out rates and terms specific to your situation.
Because US Business Funding offers multiple products, including merchant cash advances, your overall cost of borrowing may be higher than expected once you’ve connected with a member of the US Business Funding team.
US Business Funding also has a social media presence, although these profiles are not updated. This, paired with an outdated website that has some information gaps and complaints of aggressive marketing strategies, led to our score of 2.8/5 for sales and advertising transparency.
Customer Service & Technical Support
| Customer Service2.0 |
|---|
| Personal Support 2.4 |
| Self-Service 1.0 |
US Business Funding has made it easy for new and established borrowers to get in touch. Borrowers can contact the lender through a toll-free number, by email, or through an online form on the company website.
| US Business Funding Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
US Business Funding also has social media profiles on Facebook, X, Instagram, and LinkedIn. A live chat function was previously available but no longer exists.
While the lender has a company blog and FAQs spread across its site, it would be nice to see a centralized knowledgebase. User reviews are mixed about the quality of customer service. For these reasons, we’ve rated US Business Funding 2.2/5 in this category.
User Reviews
| User Reviews3.8 |
|---|
| User Feedback 4.0 |
| Review Site Aggregate 3.6 |
User reviews are mixed but lean more toward the positive side. We took this user feedback and ratings across the web to calculate our score of a respectable 3.8/5.
Negative Reviews & Complaints
US Business Funding has been accredited by the Better Business Bureau since 2016. The company currently holds an A+ BBB rating. At the time of this update, US Business Funding had 15 complaints with the BBB that were closed over the last three years. The company also has a handful of negative reviews through Trustpilot.
Points of complaint include:
- Aggressive Marketing: The most common complaint about US Business Funding isn’t about the products at all but about how aggressive the company is about advertising. Spam complaints are numerous.
- Interest Rates Can Be High: Some applicants said they were offered higher interest rates than initially promised.
- Withdrawn Offers: A handful of customers complained that they were initially offered funding only to have the offer withdrawn not long after. This was usually due to issues such as cash flow and low bank balances on the part of the applicants.
Positive Reviews & Testimonials
US Business Funding has multiple reviews from borrowers on Trustpilot, the BBB, its company Facebook page, and other sites. The majority of reviews are positive, with the company receiving a 3.7 out of 5-star rating on Trustpilot. Overall, borrowers most like:
- Fast & Easy Funding: Borrowers expressed that the entire process from application to funding was extremely fast and easy.
- Multiple Financing Options Available: Borrowers that had reached a dead end with other lenders stated they found the funding they needed through US Business Funding.
- Excellent Customer Service: The majority of reviewers were pleased with the professionalism of US Business Funding. Reviewers stated that the company’s team members were very communicative, transparent, and helpful throughout the lending process. Multiple reviewers state that the US Business Funding team helped them evaluate their financing options to find the most personalized solutions for their businesses.
- Competitive Rates & Terms: Borrowers reported being satisfied with the rates and terms of financial products offered by US Business Funding.
Final Verdict
US Business Funding offers many different financial products to help business owners score the capital they need. The company’s 95% approval rate, 60-second approvals, and programs for new businesses and the credit-challenged make it an appealing choice for equipment financing, SBA loans, or working capital loans. The high level of customer satisfaction expressed through reviews shows that this lender delivers on its promises to find fast financing for small business owners.
There are a few concerns worth noting. Advertised rates are for borrowers with excellent credit, and it would be helpful to see a range of rates so that borrowers who aren’t the “perfect” fit can get an idea of the cost of borrowing. There are also issues pointed out in user reviews, from the quality of customer service to aggressive marketing tactics. The website is also outdated and could use a refresh.
Despite these flaws, US Business Funding is worth considering. With an overall rating of 3.6/5, the lender is a good fit for many businesses, especially if you want access to large borrowing amounts, multiple types of loans, and long- and short-term options.
Content Featuring US Business Funding
Erica Seppala
Editor & Senior Staff Writer at Merchant Maverick
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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