Get $50K to $500K on a clear fixed rate and one monthly payment, funded in as fast as 3 days. A real loan structured for your business, not a daily debit cash advance. 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 10-year term, fully amortized, keeps your monthly payment low. You pay monthly, never a daily or weekly debit. Cash flow you can plan around.
Move on payroll, a big order, or a deal while the window is open. Most complete applications fund in about a week. A bank often takes six weeks.
We only run a soft pull to show your options, so it never touches your credit score. Your rate is a clear, fixed 13 to 18% APR, not a hidden factor rate.
What you get
Amount
$50K–$500K
Rate
13–18%
APR
Term
10 yrs
fully amortized
Funding speed
3–7 days
Payments
Monthly
never daily
Use it for
Any working capital
or debt refi
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 $50K to $500K, 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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