How fast can I get a business loan?

With Slate Financial, many business loans fund in as little as 24 hours. MCAs and lines of credit can fund same-day. Term loans typically fund in 24-72 hours. Real estate loans range from 5 days to 4 weeks depending on the product.

Can I get a business loan with bad credit?

Yes. Products like MCAs, MCA Bailouts, and Lines of Credit are primarily based on your business revenue, not your personal credit score. If your business generates consistent monthly revenue ($10K+/month), you likely qualify for funding.

What types of business loans does Slate Financial offer?

Slate Financial offers 14 loan products including Term Loans, Lines of Credit, Merchant Cash Advances, MCA Bailout, 0% Interest Business Credit Cards, Equipment Financing, Purchase Order Factoring, Commercial Real Estate Loans, Residential Mortgages, DSCR Loans, Fix and Flip Loans, Ground-Up Construction Loans, Mergers & Acquisitions Financing, and Form 1003 Mortgage Applications.

Does applying for a business loan affect my credit score?

No. Slate Financial's initial application uses a soft inquiry that does NOT impact your credit score. A hard pull is only done after you've reviewed and accepted a specific offer from a lender.

A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on the property's rental income rather than personal income. If the property's rent covers the mortgage payment, you can qualify without providing pay stubs, W-2s, or tax returns.

The first fully AI-automated lending platform

Business capital, underwritten by AI, funded in 24 hours.

No loan officers. No paperwork backlog. No “we'll get back to you in a week.” Our AI matches you to the right lender in seconds.

Soft credit pull

Funded in 24 hours

All 50 states

Apply in 60 seconds See the AI in action

60 seconds

AI Pre-qual

instant

AI Matching

minutes

AI Underwriting

scheduled by AI

Specialist (on request)

24 hours

Funded

Get Your Free Quote

See what you qualify for in 60 seconds

How much funding do you need?

No Credit Impact

256-bit Encrypted

Free & Fast

$50M

Maximum deal size

Single transaction

24hrs

Time to funding

From approval

50+

Financing products

Business & real estate

6,000+

Capital sources

REITs, funds, banks & more

How It Works

From application to funding in 4 simple steps

STEP 01

Apply Online

60-second application. No paperwork. No waiting.

STEP 02

AI Matching

Our AI matches you with the best funding options from 50+ lenders.

STEP 03

Get Approved

Approval in as little as 4 hours. Transparent terms, zero hidden fees.

STEP 04

Get Funded

Funds deposited directly into your account within 24 hours.

Funding Solutions

Business Funding Products

From working capital to equipment financing, we match you with the right solution for your business.

MCA Bailout

$20K – $7M

Consolidate and refinance high-cost merchant cash advances into a single, manageable payment.

Reduce daily/weekly payments

Consolidate multiple MCAs

Improve cash flow

Apply Now

0% Interest Business Credit Cards

$50K – $250K

Access $50K–$250K in 0% intro APR business credit cards with no impact to your business credit.

0% APR intro period (12–21 months)

No collateral required

No revenue requirements

Apply Now

Term Loans

$25K – $5M

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments

1–5 year terms

Competitive rates

Apply Now

Lines of Credit

$10K – $1M

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand

Revolving credit

Only pay interest on what you use

Apply Now

Equipment Lending

$10K – $5M

Finance new or used equipment with competitive rates and flexible terms up to 84 months.

Up to 100% financing

New & used equipment

Terms up to 84 months

Apply Now

Purchase Order Factoring

$50K – $10M

Turn your purchase orders into immediate cash — finance up to 100% of your PO value.

Up to 100% PO financing

No debt added to balance sheet

Scales with your business

Apply Now

View All Business Products

Real Estate

Real Estate Financing

Commercial and residential real estate loans with competitive terms and fast closings.

Commercial Real Estate

$500K – $50M

Acquire, refinance, or cash-out on commercial properties with competitive rates and flexible terms.

Purchase & refinance

Mixed-use, office, retail, industrial

Non-recourse options

Apply Now

Residential Mortgages

$100K – $10M

Primary residence, second home, and investment property financing across all 50 states.

All 50 states

Conventional, FHA, VA, Jumbo

Primary, secondary & investment

Apply Now

DSCR Loans

$100K – $5M

Qualify based on property cash flow — not your personal income. Perfect for real estate investors.

No personal income verification

Qualify on property cash flow

1–8 units

Apply Now

Fix and Flip

$75K – $5M

Fast, flexible financing for residential fix-and-flip projects with draws based on rehab completion.

Up to 90% of purchase + rehab

Interest-only payments

Draw schedule for rehab costs

Apply Now

Ground Up Construction

$500K – $50M

Finance new construction projects from land acquisition through certificate of occupancy.

Land + construction financing

Residential & commercial

Interest reserve included

Apply Now

Capital Network

Your deal reaches 6,000+ capital sources simultaneously.

No other lending platform has a network this deep. REITs, hedge funds, family offices, national banks, and private capital — all competing for your deal at once. You get the best term, fastest close, every time.

National Banks1,200+

Hedge Funds800+

Family Offices900+

Private REITs2,100+

Private Capital1,000+

Access the full network

The Slate Advantage

Built for speed. Staffed by AI. Answered by humans only when it matters.

Every competitor still runs on loan officers, paperwork queues, and week-long turnarounds. Slate ships capital in hours because the decisions run on code — not caffeine.

AI underwriting in minutes

Bank statements, credit, revenue — parsed, scored, and matched to a lender before a human at a bank even opens your email.

One application, every product

MCA, SBA, DSCR, equipment, real estate, consolidation. Our AI picks the right one. You pick whether to accept.

Lender network auction

Our matching engine pings multiple lenders at once. They compete for your deal. You win on speed and terms.

Specialist on request

AI handles every conversation by default. The moment you want a human — your product's specialist (MCA, SBA, real estate) gets on the calendar. No hold music.

Put the AI to work

David R. Bizousky — Founder & CEO, Slate Financial

Licensed Nationwide

All 50 States

The Founder

David R.

Bizousky

Founder & CEO — Slate Financial

David built Slate Financial on a single belief: that small business owners deserve the same access to capital as large corporations — and they deserve it fast.

After years in financial services, he watched too many viable businesses get turned away by banks that moved too slowly and asked too much. So he rebuilt the process from scratch — replacing loan officers with AI, replacing paperwork queues with automation, and replacing week-long timelines with same-day decisions.

Today, Slate operates the first fully AI-automated lending platform — 33 AI agents running 24/7, no human bottlenecks, funding in 24 hours.

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Why Slate

Built different. Built better.

AI Matches You to the Right Lender

Our AI analyzes your business profile against every lender in our network simultaneously — in seconds, not days.

50+ lendersReal-time matchingBest terms guaranteed

24hrs

Time to Funding

From submitted application to money in your account.

Credit Impact

Soft pull only to pre-qualify.

States Licensed

Coast to coast. Any state, any industry.

Expert on Demand

AI handles everything. A specialist steps in the moment you ask.

Ready to Grow Your Business?

Join 10,000+ businesses that have secured funding through Slate Financial. Pre-qualify in 60 seconds with zero credit impact.

Apply Now - It's Free (843) 290-8928

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