Business financing the way it ought to be
From eligibility check to funding in as fast as one week. Here's exactly what to expect.
Answer questions to see your funding options. No credit pull
What we ask:
- How much funding you’re seeking and for what use
- Business details: Age, type, address, revenue, size, debt, history
- Borrower information: Role, ownership, address, self-reported credit score
What happens next:
Loan-Ready
View private loan terms & partner loan options
Not Ready Yet
Get directed to grants, CDFIs & free consulting
Our minimum eligibility requirements
Check Eligibility12 months
25k
600
2 Years
Four documents to verify eligibility and educate your lending expert
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How We Use Your Information
Our expert evaluation process ensures you get the best loan options tailored to your business needs.
- Assess ability to manage repayments
- Recommend the most suitable loan structure
- Finalize the best available options
Your Data Is Secure
We prioritize your privacy and security with industry-leading protection.
- AWS end-to-end encryption
- Industry-leading security standards
- GDPR compliant
No sales pitch. Just straight talk and a presentation of options
What we cover:
Gather everything we need to underwrite you in our simple package builder.
Everything in one simple package:
- Soft credit pull
- Complete tax history
- Details on outstanding debt
- Detailed financial history
- All owner information
Average time to complete
Businesses generally complete this process in under an hour.
Terms in writing. Money in your account.
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Private loans and MCA refinancing:
- Receive your term sheet
- Work with our team on completing closing documents
- Funds in 24-48 hours after approval
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Partner lending:
- Partners complete your loan package and closing
- 1-6 weeks depending on loan type
- SBA takes longest due to government requirements
You will receive a loan agreement with clear terms—amount, rate, payment schedule, fees, and funds.
Getting funded is just the beginning
Our refi path:
After 12 months of on-time payments, we automatically prepare your for refinancing to better terms.
For MCA clients:
Cut your rate in half immediately, then halve it again a year later.
Why we do this
Healthy capital compounds. We win when you win long-term.
What we monitor
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Choose your path
Every business has unique needs. We're here to help you find the right solution.
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Business Loans
Who it's for
Growing businesses needing capital for expansion, equipment, or operations
Timeline
As fast as 1 week from application to funding
Outcome
$50k–$5M+ in flexible financing
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Refinancing
Who it's for
Business owners with existing debt looking for better terms or consolidation
Timeline
2–3 weeks to evaluate and restructure
Outcome
Lower payments, better rates, improved cash flow
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Founder Resources
Founder Resources
Entrepreneurs seeking grants, CDFIs, or alternative funding options
Timeline
Ongoing guidance and support
Outcome
Access to non-dilutive capital and community resources
Trusted by business owners
Real feedback from real founders
They turned complex financial challenges into smooth solutions — and made the process enjoyable.
Christopher McKenney
The team at ChatBiz Finance are knowledgeable and seasoned professionals, further strengthened by an entrepreneurial spirit. I highly recommend them.
Ray Juncoso
ChatBiz made it easy from day one. They reorganized my books 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
Your data is protected
We take security seriously. Your information is encrypted, protected, and never shared without your consent.
Encryption
AWS end-to-end encryption for all data in transit and at rest.
GDPR compliant
Your data is yours—we don't sell it, you can delete it anytime.
Access controls
Two-factor authentication, role-based permissions, all access logged.
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Industry best compliance
Meeting security standards that protect your business information.
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Licensed and regulated
: Operating as licensed lender and approved broker with regulatory oversight.
Frequently Asked Questions
Private loans come from our fund and they can fund in 24-48 hours. Partner loans connect you with banks for SBA, larger term loans, and lines of credit. Generally these are better rates but can take 1-6 weeks.
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We make money from origination fees on our private loan and from loan referral fees with our partner banks. We do not sell your data to brokers and data aggregators.
Your documents stay in your vault. We don't sell denied applications. Request deletion anytime.
Yes, our private loans have no prepayment penalties. In fact, our goal is to refinance your into better terms as soon as you're eligible. Partner terms vary, we'll tell you upfront.
Reach out. On-time payments and business growth can qualify you for additional funding or better refinancing terms.
Not for traditional loans, we require 12 months in business. But our resource database includes grants and specialty financing for startups.
Most industries are eligible. We can't fund primarily-cash businesses, speculative investments, or adult entertainment.
Ready to say hello to healthy business capital?
No credit pull. No commitment. Just honest answers about your funding options.
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