Business Funding, Easy As 1, 2, 3.

See if you're eligible for a loan, it only takes 30 seconds...

Step 1

1. Your Business (10 seconds)

Step 2 Step 2

2. Monthly Sales (10 seconds)

Step 3 Step 3

3. About You (10 seconds)






Privacy Notice 1


1. By clicking “Submit & Finish”, you (1) agree to receive telemarketing calls (including using an automatic telephone dialing system) and communications from BFS Capital and those acting on its behalf at the telephone numbers (including your cellular phone number) and email addresses you provided, even if the provided number is on a state, federal, or corporate Do-Not-Call registry, and you agree that BFS Capital will not be responsible for any messaging charges you may incur; (2) understand you are not required to provide this consent as a condition of receiving credit or services from BFS Capital and that you may apply for business credit by contacting us directly; and (3) understand that you may opt out of receiving communications from BFS Capital as provided in the Privacy Policy.

Business Funding, Easy As 1,2,3

We keep things quick, simple and transparent for busy business owners. So you can stay focused on growing your business.

1. Complete an Application

Simply answer a few questions about your time in business, monthly sales and business type, and your application will be submitted for review.

2. Fast Approval

Once you fill out your application, one of our funding advisors will contact you.

3. Funds in Your Account

When approved, you’ll have the money in your hands, for any business use, in as few as 2 business days1.

Let's grow your business

Why choose BFS Capital?

Get access to $5,000 to $500,000 for all types of funding from working capital and franchise loans to Merchant Cash Advance

Other Lenders

  • Based on credit history
  • 3+ years needed in business
  • Extensive business plans required
  • Restriction on the use of funds
  • May take months to access capital
  • Fixed monthly repayments
  • Most businesses are eligible
  • Easy online application
  • Minimal paperwork
  • Use funds for any business need
  • Get access to capital in as few as 2 business days¹
  • Repayments customized for your cash flow models

Business Loan Resources

Credit Requirements

Learn More

Loan Calculator

Try It

Terms of Use

Read Now

Getting a Loan Online

Get Started

Payment Process

Learn More

Business Loan FAQs

How quickly can I receive funding for my business?

We understand that when you need funding, you need it fast. Call us or complete our short application form online for an instant quote, approval in 24 hours and funding in your account in as little as 2 business days.¹

How much of a business loan can I qualify for?

To meet the various everyday working capital and growth needs of small businesses, we offer financing from $5,000 to $500,000 that can be used towards any business purpose, such as hiring, purchasing equipment, marketing and advertising, location expansion, cash-flow management and strategic acquisitions and investments.

What sort of paperwork do I need to provide?

We like to keep things fast and simple, with very little paperwork required. We typically only require a signed application form, your most recent 3 months’ business bank statements, and proof of identity.

Do you have to have collateral for a business loan?

No, you do not need to have any assets or collateral to qualify for one of our business loans. Perfect for many kinds of businesses where premises may be rented and not owned.

How can I get approved for a business loan?

Finding out if you could be approved for a BFS Capital business loan couldn’t be easier. Fill out the short form or call us at 866-905-4334 for an instant quote and approval within 24 hours.

What are the application fees?

It’s free to apply for a BFS Capital business loan. You can apply online or call toll-free at 866-905-4334 for an instant and zero-obligation quote.

Can I receive additional funding for my business later?

Yes. If your account is up-to-date, you could be eligible to renew your business loan once a certain percentage is paid off. 86% of our customers return for more funding, using our business loans as a revolving credit facility to keep their business growing.

Can I repay my small business loan early?

Yes, your loan can be paid in full at any time without any additional penalties being added.

What is a business loan?

A small business loan, also known as a short-term business loan, from BFS Capital is one of many alternative business financing solutions available to small businesses in the US. Typically, you repay small business loans sooner than a conventional loan from the bank, often within 90 to 120 days. Small business loans can give business owners the immediate influx of capital they need without making a long-term commitment.

What are the advantages of a small business loan from BFS Capital?

You can have access to capital in as few as two business days¹.

Small business loans are a great option for businesses with a predictable cash flow, which are able to maintain operations with a daily or weekly fixed repayment from their bank account for the life of the loan.

Accepting debit card and credit card transactions is not a requirement.

There is one simple application – nothing like the lengthy and complicated application process of other lenders.

Do I qualify for a small business loan?

We look at a variety of factors to determine whether we’re able to provide your business funding. A business needs the following:

-Has been in business for at least 2 years
-Have a positive daily bank balance
-Have acceptable credit
-Have no excessive tax liens, open judgments or bankruptcies

Will a low credit score affect my ability to qualify for business financing?

No. While a personal credit check is part of the approval process, it does not weigh heavily in the final determination. Unlike other business loans, small business loans from BFS Capital are based primarily on your overall business health. If you have additional questions, visit our page about “bad credit.”

What are the repayment terms of a small business loan?

We’ve structured the repayment process to be as merchant-friendly as possible. Repayment of a small business loan from BFS Capital is made automatically through a daily or weekly small, fixed amount through a BACS transaction taken directly from your business bank account. Before receiving the loan, you will know exactly how much is being deducted from your bank account. The fixed repayment amount is determined based on your business’s unique cash flow model, ensuring that you keep enough in your account to maintain day-to-day operations.

How do small business loans from BFS Capital compare to business loans from other lenders?

Our Small Business Loans
Eligibility: Based on overall health of your business, flexibility in credit scores
Time in Business: Only 2 years
Application Process: Easy online application, minimal paperwork
Use of funds: Flexibility to use funds for any business purpose
Access to capital: In as few as 2 business days¹
Repayment: Repayments customized for your cash flow model

Other Lenders
Eligibility: Based on credit history cross, High credit score to qualify
Time in Business: 2-3 years
Application Process: Detailed financial statements & tax returns
Use of funds: Restrictions on what funds can be used for
Access to capital: May take months
Repayment: Fixed monthly repayments

"A reliable and simple funding source for my business."

- Lisa Williamson

"This is our second experience and BFS Capital has been very helpful and responsive in the process."

- Royce

"BFS Capital has given me an opportunity to grow, keep people working and expand."

- Willie

"BFS Capital was so kind and easy to work with...I wouldn't hesitate to call them again."

- Barbara Boatman
Boulevards of Travel, Newport Beach, CA

Apply Now

it only takes 30 seconds









Not sure where to start?

Speak to a member of our business services team

We fund most types and sizes of small businesses

Financing for 400+ industries including:

See All Industries