Get Funding to Grow Your Business

We can fund your business capital needs regardless of your personal or business credit. We also offer personalized funding products based on your specific business needs.

Quick Business Loans

Providing Working Capital from $5,000 to $5,000,000

Welcome to Business Funding Associates LLC, your one stop for all types of capital for your real estate or business needs. At Business Funding Associates, you will benefit from our relationships with most of the leading lenders of non-traditional business financing. We are to alternative funding what an independent insurance agent is to auto, health, property, casualty and business insurance. Instead of filling out multiple applications online, we will work with you to understand your particular financing needs, and then submit your application to the lender who is most likely to approve your funding request, and at the best available terms.

Every Type of Business Funding, for Every Type of Business, for Every Business Need

Whether you are looking for working or business growth capital, or need financing to close a real estate transaction, Business Funding Associates  can get your application in front of the proper lender who understands your needs. We work with both established businesses, gig workers and start-ups to get them the funding they need to grow and become successful. We also have loan programs for those who do not have established business credit or good personal credit.  Our funding options include business lines of credit, merchant cash advances, equipment leasing, unsecured business loans, securities-backed loans, real estate investment loans, hard money loans, fix-and-flip loans, invoice and receivables factoring, commercial mortgages, retirement account funding, and other funding options. Below, you will find just a sample of our many lending programs and services that can help get you the right kind of money. Click on any funding type heading to learn more about that program.

Perfect for any business that has established cash flow. We can advance you working capital that gets paid back from your daily or weekly sales revenue.

Borrow up to $2,500,000 and pay over 60 months. Lower rates than a cash advance. For businesses at least two years old with a minimum monthly sales volume of $25,000. Same-day decisions.

Need cash while you extend terms to your customers? We can lend against your pending receivables. Get up to 80% of your outstanding receivables in as little as 24 hours.

Whether you are looking to finance your purchase of business equipment, or simply lease it over a period of time, our lenders can get you the financing you need at very competitive rates.

Looking for capital or a line of credit with no pledged collateral or a personal guarantee? We have lenders who can provide you up to $200,000 based on your credit score or that of a partner.

If you are just starting out with your business, we can get you funding to purchase inventory, business equipment, advertising expenses, office rent and other expenses all based on the strength of your personal credit.

If you are a driver for Lyft, Uber or other rideshare service, or make a living delivering food, groceries or other products, or even providing other forms of “gig” economy services, we can provide you with up to $5,000 in quick cash based on your gig cash flow.

If you need money to pay product suppliers but won’t have sales revenue for a period of time to pay for the supplies and materials, then this form of funding will keep your cash flowing. Personal credit is not an issue.

If you have strong credit history and profitable business, you may qualify for SBA financing under the 7a program. The SBA also provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand.

If you are looking to buy, rehab and resell any real estate properties, we can lend you up to 80% of the purchase price and 100% of the rehab costs. Approvals are based on your experience and the strength of the property being financed.

Get up to $50,000,000 to purchase an office building, warehouse, retail business, restaurant, multi-family unit building, mixed-use building, vacant land or other type of commercial property. Extended terms available.

If you are a “buy and hold” investor, you can get financing for up to 75% LTV with payment terms of up to 30 years. We have fixed and adjustable rates, along with no-income and no tax return verification loans. Competitive interest rates.

You can invest retirement funds from any former employer into your business as a direct investment, with no loan payback, and no income tax liability or penalties. Your funds are used to purchase stock in your business using an IRS-approved plan. Your business can use the funds as needed.

If you have an IRA or a 401(k) from a prior job and you have or are setting up a business with no employees, you can borrow up to 50% of the value of your account for any business purpose regardless of personal credit or time in business. You pay this money back to yourself at an interest rate of prime +1%.

If you have a new business without any stable revenue history and do not have great credit, we may be able to get you some startup funds using some of our lenders that will lend at rates based on your credit. You do not need to have a formal LLC or EIN number to qualify.

Application Process

Getting approved for any of our loan products is simple, as our lenders use automated tools that can get you an approval in less than 24 hours. Here are our steps.

Phone Consultation

Speak with one of our associates about your business funding needs. We will make sure you and your business are qualified to get funded.

Online Application

If qualified, we will get your application to the appropriate lender. Our lenders’ secure online application process takes only a couple of minutes. 

Get Approved

Our lenders use automated underwriting processes to get your business approved quickly. Many loan requests are approved within 24 hours.

Get Funded

Once your business has been approved, the funds can be deposited in your checking account as soon as the next business day. You will also have immediate access to any lines of credit.

We Serve All Business Types

Our loan products help almost type of business grow. Here is just a sample of who we can serve. 

  • Construction
  • E-Commerce
  • Education
  • Professional Services
  • Manufacturing
  • Retail Store (any type)
  • Restaurant (any type)
  • Medical/Dental
  • Urgent Care
  • Transportation
  • Wholesale/Distribution
  • Software Development
  • Commercial Real Estate
  • Electrical Contractor
  • Plumber 
  • Grocery Store
  • Liquor Store
  • Cannabis Shop
  • Drug Store / Pharmacy
  • Barber / Hair Salon
  • Auto Repair
  • Autobody Shop
  • Gas Station
  • Car Wash
  • Dry Cleaner
  • Nursing Home
  • Hospitals
  • Funeral Home / Burial Services
  • Wholesalers
  •  Basement Waterproofers
  • Home Health Care
  • Chiropractor
  • Veterinarian
  • Pet Store / Services
  • Accountants
  • Tax Prep Service
  • Legal Services
  • Brewery / Winery / Distillery
  • Building / Construction
  • Real Estate
  • Rehab
  • Landscape
  • Interior Designers
  • Printing / Publishing
  • HVAC Contractor

Funding for Any Business Need

You can use your funding for pretty much any business purpose


Purchase inventory for your business using your business line of credit, and pay the money back when your sell your products. 


Use your funding or business line of credit to pay for your next advertising campaign. Pay for radio or digital media ads, direct mail or other form of advertising.

Working Capital

Use your cash to cover short-term cash flow issues, including employee payroll, or cover seasonal peaks and valleys that impact different industries.

Business Expenses

You can cover short-term or unexpected business expenses, including rent, repairs, maintenance, utilities, or other expenses. Perfect for gig workers.


You can purchase or lease any form of business equipment. It can be office equipment, furniture, medical, dental or chiropractic equipment, vehicles, business signs, machinery, or anything else.


Use your funding to expand your existing business , add new locations or even buy out other businesses. You can also either buy a franchise or create your own franchise.


Invest in your business for continued growth. You can invest in R&D, invest in additional employees, or even to develop a new marketing and branding campaign. 

Real Estate

Purchase and repair properties, or buy and hold rental properties to add to your portfolio. You can also purchase any form of commercial buildings or land. 

Let Us Help Get You the Funding You Need

There are two ways to get the application process started. Either call or click to call from your smartphone, or fill out the funding request form by clicking on the “Request Funding” link at the top of each page.  We will review it and then determine which lender will best meet your needs. We will also discuss your funding needs with you to help understand the programs for which you may be qualified.

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