Small Business Loans That are Fast, Easy and Affordable

Collateral-free loans from $5,000 to $250,000.
Competitive rates and flexible payback terms.

Small business loans that put your convenience first.

Do you need immediate cash for your company? Skip the drive to the bank and stay right here. Balboa Capital is a leading provider of small business loans with competitive interest rates, and we make the entire process a snap. You can submit a quick business loan application from your computer or mobile device in a matter of minutes, and we only ask for basic information about you and your business. There is no need to drive to the bank, no piles of paperwork to fill out, and no collateral required. Automated technology will review your loan application promptly. This accelerates the process, saves you time, and lets us provide you with a decision right away. Once your application is approved, one of our helpful business funding specialists will contact you to discuss your options, finalize your loan agreement, and answer any questions you have. Then, you can get back to doing business as usual and go about your day, because your cash will soon be on its way.

  • Loans from $5,000 to $250,000
  • 3 to 18 month terms
  • Simple online application
  • No collateral needed
  • All credit considered
  • No hidden fees
  • No upfront costs
  • Easier than a bank loan
  • A+ BBB rating

Small business loans in 3 easy steps.

  1. Apply online

  2. Qualify in one hour

  3. Get funded quickly

Simple qualification requirements.

Qualifications 2

One year in business

$300,000 in annual revenue

Qualifications Icon

Decent FICO credit score

Easier than a bank loan.

It can be very difficult to get a small business loan from a bank or credit union due to their strict eligibility requirements and long applications. In most cases, banks and credit unions require above average personal and business credit scores, high annual revenue, and collateral to back the loan against default. Moreover, you will probably need to indicate how you intend to use your funds, as some banks and credit unions have restrictions on what their loans can be used for. Balboa Capital does not want any of these things to prevent you from securing the loan you need to achieve your company’s growth goals. Our simple qualification requirements help increase your chances of getting your loan application approved. And, you can use your loan for whatever daily business need you have.

small business loans

Payments that work with your budget.

Not only does Balboa Capital have competitive interest rates. We also have payment options that are designed to work with your company’s budget. You can repay your Balboa Capital business loan daily or weekly through an automated clearing house (ACH) transfer from your business’ bank account. This is a popular option because it saves money, is completely automated, and lets you make frequent and smaller payments instead of large monthly payments. In addition, making regular payments in a timely manner is a proven way to improve your credit profile. You can even prepay your loan anytime without a penalty.

retail shop owner completing a transaction

Use your loan for these and many other business needs.

Pay Suppliers

Pay suppliers

Business expansion

Business expansion

Employee payroll

Employee payroll

Marketing efforts

Marketing efforts

Business expansion

Inventory

Business taxes

Business taxes

The loan with no restrictions.

With some loans, specifically those that are offered by banks and credit unions, there are restrictions on how the funds can be used. That means you might not be able to obtain funding unless the lender knows ahead of time that it will be going toward a specific purchase. That is not the case with a Balboa Capital business loan. One of the best advantages of our loans is flexibility. You can use your funds for just about any business need you have.

five business executives having a meeting over coffee