“We needed equipment financing fast to take on a major contract. Fine Point had three offers on the table within 36 hours.”
Marcus B.
Owner, HVAC Contractor · TX
$185K Equipment Loan
Trusted by 5,000+ Businesses
Small Business Funding,
Built Around You
SBA Loans, Lines of Credit, MCA, and Working Capital — apply once and explore funding options for your business. Quotes are expected within 24–72 hours after a completed application, subject to provider review.
Secure Application
Serving All Industries
Soft Credit Pull
$2B+
Loans Funded
5,000+
Businesses Funded
$68K
Avg Loan Size
2,022
In Business Since
Funding for Every Stage of Growth
Compare our suite of loan products to find the perfect fit for your business needs.
Up to $5M
SBA 7(a) Loan
The gold standard for small business funding. Long terms, low rates, and government backing make this ideal for major investments.
- Up to 25 year terms
- Prime + 2.25-4.75%
- 10-20% down payment
Up to $5.5M
SBA 504 Loan
Designed specifically for purchasing major fixed assets like commercial real estate or heavy equipment with long-term, fixed-rate financing.
- 10 or 20 year fixed rates
- Below-market rates
- Only 10% down
Up to $500K
Line of Credit
Flexible funding you can draw from as needed. Only pay interest on what you use. Ideal for managing cash flow and seasonal fluctuations.
- $10k-$500k limits
- Revolving credit
- Draw funds anytime
Up to $500K
Working Capital
Fast, accessible capital to cover everyday business expenses. Short-term financing designed to keep your operations running smoothly.
- 3-36 month terms
- Approvals in hours
- Minimal paperwork
Up to $500K
Merchant Cash Advance
An advance based on your future credit card sales. Repayment adjusts with your revenue, making it perfect for businesses with fluctuating sales.
- Flexible repayment
- No collateral needed
- Approval in 24h
How It Works
A streamlined process designed to get you capital faster.
01
Apply Online
Complete our secure, 5-minute application. Soft credit pull only.
02
Get Matched
We match your completed application with providers in our network.
03
Review Offers
Compare terms, rates, and amounts with your dedicated advisor.
04
Get Funded
After offer acceptance, funding is expected same day or within 24 hours; SBA may take up to 60 days.
Estimate Your Payments
Adjust the sliders to see how loan amount, term, and interest rate affect your monthly payments.
$250,000
$10k$5M
7.50%
5.5%14.0%
10 Years
1 Yr25 Yrs
Estimated Monthly Payment
$2,968
Total Principal
$250,000
Total Interest
$106,105
* This calculator is for estimation purposes only. Actual rates and payments may vary based on lender approval and your credit profile.
EducationCA
$175K
1 day8 offers compared
Restaurant GroupPA
$150K
1 day5 offers compared
Specialty ContractingTX
$200K
4 days6 offers compared
ConstructionMN
$115K
1 day2 offers compared
HealthcareFL
$123K
2 days4 offers compared
TransportationNY
$100K
1 day5 offers compared
* Based on anonymized data from funded businesses across 35 states.
Why Fine Point Lending
We're your advocate in the lending marketplace.
Data Protected
Your sensitive information is encrypted and never sold to third parties.
Expected Timing
Quotes are expected within 24–72 hours after a completed application, subject to provider review, documentation, approval, and bank processing.
SBA-Backed
We specialize in SBA loans, offering some of the lowest rates available.
One Application
Apply once to explore potential options across our lending network.
Expert Guidance
Dedicated advisors walk you through every step of the funding process.
No Hidden Fees
Transparent pricing. We only get paid when your loan is funded.
Testimonials
Stories from funded businesses
Real owners. Real loans. Real outcomes — across every industry, every state, every stage of growth.
“I'd been turned down by my local bank twice. My Fine Point advisor matched me with an SBA lender who actually understood restaurants.”
Elena R.
Owner, Italian Bistro · FL
$240K SBA 7(a)
“The whole process was transparent — no hidden fees, no bait-and-switch. I knew the true cost of capital before I signed anything.”
David K.
Founder, Logistics Startup · GA
$95K Working Capital
“We expanded into a second location six months ahead of schedule because Fine Point unlocked a credit line we didn't know we'd qualify for.”
Priya S.
Co-owner, Yoga Studio · CA
$120K Line of Credit
“Funded in 24 hours flat. I've worked with two other brokers — the difference in speed and service was night and day.”
James W.
Owner, Auto Repair · OH
$60K MCA
“My advisor walked me through every offer and helped me pick the structure that protected my cash flow. That kind of guidance is rare.”
Aisha M.
CEO, Boutique Marketing Agency · NY
$150K Term Loan
“I run a seasonal business and was nervous about repayment terms. Fine Point matched me with a lender that built in flexibility.”
Tom P.
Owner, Landscaping Co. · MN
$85K Working Capital
“We renovated our entire dining room without taking on punishing daily payments. The MCA structure they sourced fit our weekly cycle.”
Sofia G.
Owner, Coffee Roastery · WA
$70K MCA
“Honestly, I expected a sales pitch. What I got was an actual analysis of which products made sense for my business. Refreshing.”
Brian T.
Founder, E-commerce Brand · CO
$220K SBA 7(a)
“I was skeptical about doing this online. The dedicated advisor I got made it feel like working with a local banker — only faster.”
Rachel D.
Owner, Veterinary Clinic · VA
$310K SBA 7(a)
“We compared four offers side-by-side in their portal. Picked one that saved us almost twelve thousand in interest over the term.”
Kevin L.
Co-owner, Print Shop · IL
$95K Term Loan
“Bridging payroll between long-cycle invoices used to keep me up at night. Now I have a line of credit waiting whenever I need it.”
Monica H.
Owner, IT Consulting Firm · MA
$200K Line of Credit
“First time financing a commercial property. The SBA 504 process is complex, and my Fine Point advisor made it manageable.”
Carlos V.
Owner, Auto Body Shop · AZ
$640K SBA 504
“They were upfront when one of my products didn't make sense and steered me elsewhere. That kind of honesty earned my repeat business.”
Hannah P.
Owner, Bakery & Cafe · OR
$45K MCA
“Soft credit pull, real offers in two days, funds wired by the end of the week. Exactly what they advertised.”
Andrew C.
Owner, General Contracting · NC
$130K Working Capital
“I'm on my third loan through Fine Point now. Each one came with the same calm, prepared advisor experience.”
Lauren F.
Owner, Boutique Fitness Studio · TN
$80K Term Loan
Testimonials reflect the experiences of individual borrowers and are not a guarantee of future results. Names abbreviated for privacy.
See What You Qualify For
Take the first step toward growing your business. It takes less than 5 minutes and won't impact your credit score.
- Soft credit pull only
- Compare multiple offers side-by-side
- Dedicated funding advisor
- Expected funding same day–24 hours after offer acceptance; SBA may take up to 60 days
Term Loans
Refinancing a Term Loan if Your Lender Won’t Issue a 1098 in 2026
Yes, you can refinance or replace a term loan if your lender won’t provide an annual interest statement. But weigh tax-record needs against real refinancing costs and terms.
September 20, 2026 · 6 min read
Working Capital
Cheapest Ways to Finance Annual Insurance Premiums in 2026
Paying a big annual workers’ comp or GL premium can strain cash flow. Here are the lowest-cost financing options to consider in 2026 and how to choose.
September 15, 2026 · 5 min read
MCA
How to Switch MCA ACH Withdrawals Without Default (2026 Guide)
If your MCA is debiting the wrong account or you changed banks, act fast. Here’s how to switch ACH legally, document it, and avoid default in 2026.
September 10, 2026 · 5 min read