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 up 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
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.
Easy loan qualification requirements.
One year in business
$300,000+ in annual revenue
Decent FICO credit score
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 to 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.
Business Loan Calculator
Use the slider to select how much funding you need.
Estimated monthly payments
Our minimum loan term period is three months. We do not offer short-term loans of 60 days or less. If you need more than $250,000, call us at (888) 225-2621.
Small business loans in 3 easy steps.
Qualify in one hour
Get funds for your small business
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.
Use your loan for these and many other business needs.
Fill those big orders and pay for them on time.
Expand your company to accommodate growth.
Your employees are invaluable. Pay them on time.
Launch a website, email campaign, and more.
Stock up to meet demand and avoid losing sales.
Pay your taxes on time to avoid late fees.
Top-rated business loan company.
Sure we offer you a quicker, easier way to get a small business loan. But that’s just the start. We are passionate about providing the best-possible customer service. Your dedicated Balboa Capital loan specialist will always be available via phone or email to answer your questions and provide support. Our responsive customer service has helped us achieve full accreditation the Better Business Bureau (BBB). We are also one of the highest-rated non-bank lenders on Trustpilot and Birdeye.
Helpful resources for business owners.
In addition to helping business owners acquire loans in a timely manner, Balboa Capital makes available a wide variety of helpful resources on our website. Our in-house digital marketing team developed online calculators, infographics, web pages, and lots more. Whether you are about to launch a new venture, or you have been running a business for several years, we have something for you.
Business Loan Calculator
Instantly see what your estimated loan payments might be.
Small Business Loans FAQ
Questions about small business loans? We have answers.
Understanding Your Paydex Score
Learn what a Paydex score is, how it is calculated, and more.
Infographic: National Small Business Week
Get a bird’s-eye look at this annual event that began in 1963.