For business owners

Capital for your business.
Without the runaround.

Tell us what your business needs, and Credit Orchard compares the application with independent funding partners. Products may include MCA, term loans, SBA, lines of credit, equipment financing, and revenue-based financing. Available amounts, terms, and eligibility depend on the lender.

Start funding inquiryHow it works
✓ Some products may fund as soon as the next business day
✓ Initial inquiry does not require a hard credit pull
✓ No fee to submit an inquiry

Products our partners may offer.

Term loans

Amount: $10k – $2M
Possible timing: 1-5+ business days

Expansion, major purchases, long-term working capital

Lines of credit

Amount: $5k – $250k
Possible timing: 1-5+ business days

Flexibility, bridging AR gaps, seasonal cash flow

Merchant cash advance

Amount: $5k – $1.5M
Possible timing: 1+ business day

Short-term working capital with frequent repayment

SBA loans (7a / 504)

Amount: $50k – $10M
Possible timing: Several weeks or longer

Real estate, major equipment, and acquisitions

Equipment financing

Amount: $5k – $500k
Possible timing: 1-7+ business days

Trucks, machinery, and technology purchases

Revenue-based financing

Amount: $10k – $20M
Possible timing: 1-7+ business days

Businesses with recurring or predictable revenue

How it works.

1

Tell us about your business

Share your industry, revenue, requested amount, and intended use. The inquiry itself does not require a hard credit pull.

2

We compare product fit

The system compares your application with partner criteria such as industry, revenue, time in business, state, and requested amount.

3

Review any offers you receive

If one or more partners see a fit, review the actual rate, fees, payment, collateral, and repayment terms before deciding.

4

Choose whether to proceed

You are never required to accept an offer. The lender controls final approval and funding timing.

Typical qualifications (vary by product).

You might qualify if

  • • Business has been operating 6+ months
  • • Annual revenue $60k+ (varies by product)
  • • Business bank account with consistent deposits
  • • US-based business, US citizen or legal resident owner
  • • Personal credit 500+ for MCA, 650+ for term loans, 680+ for SBA

We're honest when we can't help

  • • Pre-revenue startups — we'll refer you to better sources
  • • Restricted industries (firearms, cannabis in some states, etc.) — we'll tell you who can
  • • Already maxed out on stacking — we'll help you consolidate first
  • • Open bankruptcies or tax liens — we'll guide on resolution first

5 minutes. No obligation.

Submit one inquiry. If a partner sees a fit, they may contact you for underwriting documents and any additional authorization they require.

Start funding inquiry