A real term loan built for growth. A fixed 13 to 18% rate, a 10 year fully amortized term, and one monthly payment. Funded in as fast as 3 days, with no hard credit pull to check.
1000+
Businesses funded
$50K to $500K, funded in 3 to 7 days
20+
Years of lending experience
board member, National Association of Government Guaranteed Lenders
$300M+
Deployed
for payroll, inventory, equipment, expansion, and debt refinancing
Why owners choose ChatBiz
A clear 13 to 18% APR and a fixed monthly payment, so you always know the cost and the payoff date.
The long amortization keeps the monthly payment low, so the loan funds growth instead of straining cash flow.
Most complete files fund in as fast as 3 days, far faster than a bank term loan.
What you get
Amount
$50K–$500K
for working capital or refinancing existing debt
Rate
13–18%
a clear fixed APR, never a factor rate
Term
10 years
fully amortized, with a clear payoff date
Payments
Monthly
never a daily or weekly debit
Funding
As fast as 3 days
most complete files fund within about a week
Eligibility check
No hard credit pull
a soft pull only, about 2 minutes
Owners who grew with ChatBiz
★★★★★
"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."
Akhil Bhandare
Working Capital
Talk to a funding advisor who understands small business, before, during, and after you are funded. No call centers, no runaround.
(727) 432-0428
Monday–Friday · 9 a.m.–7 p.m. ET
Common questions
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Check your eligibility for a $50K to $500K term loan, funded in as fast as 3 days. No hard credit pull, no obligation.
Check my eligibilityNo hard credit pull. No obligation. We never sell your data.
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