Yes, you can get business funding without tax returns. Funding based on your bank statements, like a merchant cash advance (MCA), usually needs only a short application and your recent business bank statements. At Brookestone Funding, approved businesses are typically funded within 24 to 48 hours, with merchant cash advances from $10,000 to $2,000,000. Bank loans and SBA loans, on the other hand, almost always require tax returns.
A direct lender funds your merchant cash advance (MCA) with its own money and makes the approval decision itself. A broker shops your application to other funders and earns a commission when you're funded. Brookestone Funding is a direct lender. Whichever you choose, get a written offer showing the funded amount, total payback, payment amount and payment schedule before you sign, and walk away from anyone who asks for fees upfront.
Yes, you can get business funding with a 500 or 550 credit score, but usually not from a bank. With scores below 600, your best options are funding based on your sales, like a merchant cash advance (MCA), or funding backed by something else, like your invoices or the equipment you're buying. At Brookestone Funding, merchant cash advances from $10,000 to $2,000,000 are based mainly on your business's sales, so owners with lower scores can still qualify.
A complete checklist of the documents you need to apply for a business loan, from fast online term loans to SBA loans.
Plain-English definitions of the most common small business loan and financing terms, from APR and amortization to UCC lien and working capital.
What collateral, UCC liens and personal guarantees mean on a business loan, what you are agreeing to, and questions to ask before you sign.
Brookestone Funding is a direct business financing lender based in Edison, New Jersey, serving small businesses nationwide.
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