Explore Your Biz's Funding Potential with Got Biz Loans.
Welcome to Got Biz Loans, where we fuel your business dreams, one loan at a time. Is your business at least six months old, generating over $20,000 in monthly gross deposits, and do you have a personal mid-FICO score of 550 or above? If so, you're in the right place! We offer a range of financial solutions, from business loans to lines of credit, working capital facilities, and short-term funding, all tailored to your needs and available as secured or unsecured options. Dive into your possibilities with our swift 15-minute online application process. Together, let's cultivate your business's growth and success!
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Got Biz Loans' mission.
We provide smooth access to a wide network of online lenders, all crafted by experts to offer dependable and straightforward financial solutions that cater to each business owner's unique journey. Let's explore how we can support your business's growth together!
We've been in your shoes and know the headaches that come with mismatched lender connections in biz lending. That's why we've streamlined the process to quickly pair you with the right lender, saving you time and reducing stress. Trust us to provide an empathetic and efficient lending experience. Let's make financing a breeze for your business!
With twenty years in the lending industry, our team has journeyed from traditional branch banking to the cutting edge of online banking and fintech. We've marveled at the wonders of digital transactions and contract signings, gathering invaluable insights into how lenders evaluate and engage with small businesses. This wealth of experience gives us a unique understanding of your lending needs, and we're here to meet them effectively. Let's navigate your financial journey together!
Funds to grow your business.
Funding is the key to unlocking your business's full potential. It's the fuel that powers growth, enabling you to seize new opportunities, expand your reach, and innovate. With the right funding, you can bolster your team, amplify your marketing, purchase equipment, and enhance your operations, driving up both revenue and market share. At Got Biz Loans, we make securing this vital working capital straightforward. Simply submit a single application and your recent bank statements, and we'll match you with the perfect funding options for your needs. Let's elevate your business together!
Capital solutions for your business.
As a small business, it can be tough to find a warm welcome with traditional banks and lenders. But we know that getting capital is crucial for your business to grow. That's why we're here to help break down those financial barriers. Why don't you explore our lending marketplace today? You'll find just the right capital solutions that are tailor-made for your business needs. Let's get your business thriving!
Minimum eligibility criteria.
$
20
k+
6
mos
+
550
+
Simple steps—big impact.
Get capital fast, grow faster.
Exploring Got Biz Loans marketplace.
Start your path to business growth with Got Biz Loans' streamlined process, beginning with a quick 15-minute online application. From there, we'll guide you smoothly through each step of your financial journey, ensuring you're on track to success and securing the working capital you need.
Apply
Complete an easy application, upload business bank statements or link your account via PLAID for cash flow analysis. This free service requires no commitment and won't impact your credit score, as only soft checks are performed.
Evaluate
Upon receiving your application and bank statements, our system analyzes cash flow and credit to find the best funding options. A loan specialist will then guide you in selecting the ideal business funding solution for your needs.
Fund
Upon accepting a biz loan offer, your loan specialist will provide a term sheet for review and signature. After signing and providing a voided check, funds will be ACH transferred to your business account, potentially within 4 business hours.
Grow
Use the funds to boost your business, focusing on areas of expertise to foster growth and success. Seize this chance to improve operations, venture into new markets, or innovate in products and services, building a solid base for your business.
Frequently Asked Questions.
Curious about how Got Biz Loans operates? We are completely transparent.
How long does it take to receive funding after the application is completed?
You might get funded in just 4 business hours! Your funding advisor will help with any steps needed before you receive the funds. The process is swift, adapting to your speed.
What should I do if I encounter any questions during the application process?
If you encounter any questions while applying, go ahead and submit your completed application. Once we receive it, a funding advisor will be assigned to you and will reach out using the contact details you've provided. They will assist you with any questions, correct any typos, or fix mistakes in your application. Rest assured, your funding advisor will be available to address any of your concerns at any point after your application is submitted, and you can contact them via text, email, or phone.
How do I go about applying for capital?
Begin your application in a snap by clicking 'Apply Now'. Complete the form with accurate information, upload your business's last three months' bank statements or link your bank account securely via PLAID, then hit 'Submit'. This digital process is quick, taking less than 5 minutes. Once submitted, we'll assign a funding advisor to you. They'll reach out using the contact details you provided and will support you throughout the process, answering any questions you may have.
What are my options for business financing?
Our lending platform specializes in various business financing solutions, including term loans, lines of credit, accounts receivable facilities, equipment financing, invoice factoring, merchant cash advances, and purchase order financing, tailored to your specific business needs. Once you submit an application with your business bank statements and contact information, we will assign a funding advisor to you. This advisor will use the contact details you provided in your application to connect with you. Together, you'll explore the best business funding options available for your current and future needs.
Will my credit score be impacted by applying?
No, your credit score won't be affected when you apply, as we only perform soft credit inquiries. Once we have your application, our team of funding advisors will review it. A dedicated advisor will then be assigned to assist you through the next steps. This includes advising you of any potential hard credit checks before they occur, if needed. Generally, for SBA term loans like "7a or 504", a hard credit pull is required before funding.
What do I need to provide for the application?
Initially, just basic information and your business's bank statements from the last three months and month-to-date are needed. As the application progresses through underwriting, additional documents may be requested depending on the lender's specific needs. If this occurs, your advisor will help guide you through submitting any extra required documentation.
Receive funding within hours.
Begin with our quick online application, providing your business details in just 15 minutes. Follow up by uploading your bank statements or securely connecting your account for a detailed cash flow analysis via PLAID. Our advanced algorithm will then swiftly assess your information, offering the most suitable loan options for your business. Once you've selected your preferred offer, anticipate the funds being deposited into your account shortly after approval. Our fully digital process, including e-signatures and electronic deposits, ensures a seamless and efficient funding experience for you.
Receive Up to $26,000 Per Worker from the IRS.
Got Biz Loans can offer services to assist businesses in applying for the Employee Retention Credit (ERC), a program supporting companies impacted by COVID-19. The services include a simple application process, expertise in maximizing ERC refunds, and quick refund delivery. Eligibility criteria include operational disruptions, revenue reductions, and startups post-February 2020. Got Biz Loans can help navigate the complex tax code of ERC, ensuring businesses receive the maximum benefit, up to $26,000 per employee, even for those with PPP loans. This service is critical for businesses seeking financial recovery post-pandemic.
Determining Eligibility for ERC Benefits.
Businesses across various sectors, including healthcare, hospitality, construction, and arts and entertainment, may qualify for the Employee Retention Credit (ERC) based on certain conditions. To be eligible for ERC benefits, your business must have experienced a significant drop in gross receipts or operational interruptions due to COVID-19 mandates in 2020 or 2021. The eligibility criteria differ each year, so maintaining precise records is essential. In 2021, eligibility was broadened to include specific governmental and tax-exempt entities. If you believe your business meets the criteria, apply now through our "ERC Application" tab, and our ERC experts will guide you through the process.
Your business could qualify for the ERC if it experienced either complete or partial interruption of operations due to federal, state, or local government orders impacting business activities during 2020 or 2021.
Qualification for the ERC may also hinge on a decrease in gross revenue. Specifically, if your business's gross revenues or receipts in 2020 and 2021 showed a decline when compared quarter-by-quarter with 2019, this could make you eligible.
Your business may be eligible for the ERC as a recovery startup if it was established after February 15, 2020, and its annual gross revenue did not exceed $1 million.