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David Bufton


David Bufton

Flexibility in Lending
Flexibility in Lending
About is a new entrant into the business loan market, with the company being founded in 2020. Despite being operational for a short time, has made some real waves in the industry. The Baltimore County, Maryland-based organization offers a marketplace solution for small companies seeking business loans.

The key selling points are the ease of application and proprietary technology that instantly matches you with a business loan from one of over 35 partners. Even better, if you don’t immediately qualify for a business loan, a representative from will speak with you to see if any alternative solutions are available for your business.








ACCESSIBILITY Business Loans Review offers small businesses a marketplace service that compares business financing from over 35 lenders. What makes a good proposition is that a wide range of funding types are offered, from conventional loans to merchant cash advances and lines of credit. Ultimately, this is unlike many other marketplaces, which simply provide one type of financing option.

While this is a clear advantage for, a drawback is the lack of up-front information on the company website. Sure, most marketplace lenders can’t give exact details of the loans offered as terms vary from lender to lender. Yet, there will usually be an indication of APR ranges, loan lengths, and other details, all of which are missing from Business Loans Highlights


$5,000 - $3,000,000


1-20 years


24 hours


6 months











Pros & Cons

  • Easy way to compare business loans from over 35 lenders
  • Partners with large, established lenders such as Bluevine, OnDeck, and Funding Circle
  • Loan decisions are made quickly after an easy application process
  • No transparency of loan terms readily available
  • Loan funding can take up to one week, which is longer than competitors
  • Collateral is required from some of’s lending partners

Business Loans Type

  • Business Line of Credit
  • Business Term Loan
  • Term loans
  • Short-Term Business Loan
  • Merchant Cash Advances Business Loans Terms & Requirements

It is pretty common for a marketplace lender to provide little information about the terms and requirements until after the application process. This fact also applies to, where there is little to no information about the available business loans until after the application stage. While there is little information about the loan details, we do know that the following loan types are available:

  • Short-term business loans
  • Long-term business loans
  • Business lines of credit
  • Merchant cash advances

Short-term loans are generally categorized as being 1 to 3 years, with long-term loans ranging from 5 to 10 years. A 20-year term can be available under certain circumstances, which you can discuss with a loan specialist. In general, short-term loans are considered for working capital and operational purposes, with long-term loans being used for acquiring machinery and equipment. There is no indication of what APRs charges for short and long-term loans.

We do know that to qualify for business funding through, your business must meet the following criteria:

  • Annual revenue of greater than $100,000
  • In business for at least 6 months

As with short and long-term loans, no specifics are available up-front regarding lines of credit or merchant cash advances. Due to their expense, merchant cash advances should be considered as a last resort for business funding, with APRs usually ranging from 20% to 40%.

How to Apply

We were intrigued by the excellent online reviews for, so we decided to apply to see the commercial terms available. The website is very clear and easy to use, and we hit “Get Started” to get things underway.

The application process starts as a series of multiple-choice questions, and the layout is clean and simple. We began by answering the first question about what type of business we own.

We then had to input the amount of funding we needed and what we could use the funds for before entering details about the history of our business. This included the company’s start date, annual revenue, and an estimation of our credit score. We next selected our industry and entered the Zip Code and our business name.
Step 1


After entering our name, we had to provide a phone number, which also included accepting a disclaimer allowing network partners of to contact us.

Finally, we entered our email address to complete the process and see the offers that were available to us. At this stage, we were also asked if we wanted to speak to a loan specialist to help us with the application process.

After reviewing the options available to us, we decided to speak to the loan specialist to ask about the network partners and rates involved. The specialist was helpful and eager to answer our questions without making the process feel pushy.

Overall, the application took less than five minutes and was easy to complete. If you are in the market for a business loan, we think that is worth a look to see what is available to you.

Qualification Requirements

Qualification requirements vary from network lender to network lender, but at a minimum, the following criteria are in place:

  • Have been in business for more than 6 months
  • Have an annual turnover of greater than $100,000
  • Be a US citizen or permanent resident

Required Information

As with the qualification requirement, the information you’ll need to provide as part of the application process varies between direct lenders. As a minimum, expect to provide the following:

  • Proof of ID
  • Proof of address
  • Date of birth
  • SSN
  • Required loan amount
  • Business details
  • Proof of business ownership

Application Steps & Time Frames

Applying for business loan funding with took less than five minutes. We then had a phone call with a loan specialist, which took a further 20 minutes, after which we were placed in contact with the direct lending partner.

Another fifteen-minute application followed, including document submission, after which the process was complete. We received the funding three working days after submitting our application, but we were advised that funding could take between one and seven days.

State Availability

Available in all states

Privacy & Security

You can find a link to the in-depth Privacy Policy page on the homepage. The Policy clearly lays out exactly how your personal data is stored, maintained, and secured, as well as detailing the circumstances in which your personal data is shared.

Internet searches show no adverse issues noted regarding the treatment of personal data by In fact, the company has an A accreditation from the Better Business Bureau and overwhelmingly positive reviews on Trustpilot.

Customer Support

The situation regarding customer support for is interesting. There are no obvious ways to get in touch with customer support from the homepage, with no email or phone contact details available. This isn’t uncommon for a marketplace lender. However, during the application process, there is the option to speak with a lending specialist who can help guide you through your application.

The online reaction to the interactions with the lending specialists is overwhelmingly positive, with many reviews praising the help and professionalism offered. Therefore, there is a customer service function provided, but only available when applying for a business loan.

In Conclusion offers a quick and easy way to compare various business loan types from multiple lenders. The option to speak to an advisor during the process is helpful, and the advisor we spoke with clearly explained the different options available to us. One downside is the lack of information available on the website about loan terms, with no indication of APRs or loan lengths offered. This information only becomes available after you complete the application process.


Is legit?
Yes, is a legit company, evidenced by the reviews left on Trustpilot alongside the A accreditation awarded by the Better Business Bureau.
What type of financing can I get from offers short-term loans, long-term loans, merchant cash advances, and lines of credit.
How long does it take to get funding from
If your application is successful, you can expect to receive funding within one week of completing your application. Disclaimer allows users to obtain information about certain loans, financial products, and services offered through third-party service providers and advertisers. is not an agent or advisor to you or any other third party.

You acknowledge and agree that our website is solely an intermediary to connect users with service providers to obtain information about certain financial products and services. You acknowledge and agree that we are not a financial institution, credit card issuer, or other financial service provider and that any information or advice made available through the Services is for informational purposes only.

We do not, and will not, create any coverage or credit decision with any service provider that may be referred to you through our Services. We do not (i) validate the licensing, certification, or other qualifications of Service Providers that you may encounter through our Services, (ii) guarantee the terms or rates offered by any third party through or on our Services, or (iii) issue credit cards or any other financial products.

We are not responsible for the conduct or policies of the service providers. The terms and rates provided by any service provider will be subject to the applicable terms and conditions of the products and services offered by the service providers.


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David Bufton

After graduating from the University of Warwick with a degree in accounting, David went on to become a fully certified accountant. Since then, he has amassed years of experience working in and writing for various sectors, including finance, gaming, and telecommunications. Now, he uses his extensive experience and knowledge in business and finance to deliver top-quality content.