Predatory Lenders
Fast business funding with exclusively monthly payments
Flexible working capital loans from $50K-$500K without daily deductions or predatory terms.
Funded in one week vs 6+ weeks at banks
Replace MCA debt with healthy terms
Monthly payments that protect your cashflow
1000+
Businesses Funded
$300M+
Funds Deployed
See if you're eligible in 4 minutes
No obligations and no hard credit pulls.
🔒 Your info is encrypted private
We hate spam too. We'll never sell your data or flood you with calls.
We hate spam too. We'll never sell your data or flood you with calls.
1000+ Businesses
$500M deployed
Data Encryption
GDPR Compliant
Licensed Lender
Approved Broker
Fair terms built to protect your cash flow
Amount
$50,000 - $500,000
Funding Speed
As little as 7 days
APR
18-29%
Payments
Monthly (never daily)
Term
3 years with 10 year amortization
Origination Fee
6% for most borrowers
Use it for
Debt refinance
Inventory
Payroll
Marketing
Equipment
Any operating need
How we're different from predatory lenders
ChatBiz Working Capital
Daily or weekly withdrawals destroy cash flow
One monthly payment you can plan around
Hidden factor rates (60-200% APR)
Clear APR pricing (18-29%)
6 month to 2 years terms drive up your payments
3 year terms with 10 year amortization = lower monthly payments
Revenue-based payoff (never ends)
Fixed term with clear payoff date
Sell your data to brokers
Your data stays encrypted, never sold
You get speed without the payment structure that kills businesses.
From application to funded in one week
1
Check eligibility
No credit pull
4 minutes
2
Submit documents
Tax returns, financials, debt schedule
Quick upload
3
Chat with expert
We explain your options, no sales pitch
15 minutes
4
Complete underwriting
We handle the heavy lifting
Fast review
5
Get funded
Money in your account
7 days
Minimum requirements
Requirement
Minimum
Time in business
2 years
Annual revenue
$100,000
Credit score
640
Debt coverage
1.15x DSCR
Owner equity
20% minimum
Business Location
The US, excluding AZ, AR, CA, MN, MT, NV, ND, SD, TN, TX
Documents needed to qualify:
Last 2 years business tax returns
Last 12 months of business bank statements
Complete debt schedule
Personal tax returns for owners ≥20%
Upload to our secure portal
Don’t take our word for it, see what business owners are saying
They turned complex financial challenges into smooth solutions — and made the process enjoyable.
Christopher McKenney
SBA Loan
ChatBiz helped me when I needed clarity and gave great advice throughout the process.
Carlos de Varona
Refinance
ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support. They’re true experts who got me the best structure for my financial goals.
Akhil Bhandare
Working Capital
Licensed Lender
Led by lending experts who've deployed $300M+
20+
Years Experience
1000+
Businesses served
NAGGL
Board member
$300M+
Deployed
Licensed lender
Approved broker
Data Encryption
GDPR Compliant
Common Questions
Can I pay it off early?
Yes, but there's a prepayment penalty in the first 6 months. After 6 months, no penalty.
How is this different from an MCA?
Monthly payments (not daily), transparent APR (not factor rates), and a fixed term. You know exactly what you owe.
What can I use the funds for?
Any business operating expense. Cannot be used for personal expenses or speculation.
What if I need more later?
Strong payment history qualifies you for additional funding or refinancing to better terms.
How long does approval take?
Most businesses are funded within 7 days of complete application. Current average is 1-3 weeks.
What industries are excluded?
Transportation, banking, gambling, speculation, real estate development, and others. Full list available upon request.
Get funded in one week with monthly payments
Check your eligibility for $50K-$500K in working capital. No credit pull. No commitment.
Question?
Talk to a funding expert →
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