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.

Back to all products

Invoice Factoring

Turn your outstanding invoices into immediate cash - advance up to 90% of invoice value.

LOAN RANGE

$10K - $5M

TURNAROUND

1 - 3 business days

Application Form

All fields marked * are required. Your information is encrypted and secure.

Business Info

Business Legal Name *

DBA / Trade Name (if different)

Business EIN / Tax ID *

Business Type *

State of Incorporation *

Time in Business *

Industry *

Business Street Address *

City *

State *

ZIP *

Business Phone *

Receivables

Average Monthly Invoice Volume *

Total Accounts Receivable Outstanding *

Average Invoice Amount *

Number of Active Customers (billed) *

Largest Customer % of Revenue *

Typical Customer Payment Terms *

Who Are Your Customers? *

Loan Details

Advance Amount Needed *

Owner Info

Owner Full Legal Name *

Owner Email *

Owner Cell Phone *

Social Security Number *

Date of Birth *

Owner Home Address *

Estimated Personal FICO

How did you hear about us?

Document Upload

After submission, your advisor will send a secure upload link for required documents.

Credit Authorization

By checking the box below, I authorize Slate Financial and its designated partners to pull credit reports for the purpose of evaluating this funding application. I understand that:

A soft inquiry will be conducted on my personal credit (this will not impact my personal credit score)
A hard inquiry will be conducted on my business credit (this may be reflected on my business credit report)
These inquiries are used solely to assess eligibility for business funding products
My information will be kept confidential and used only for this application

I authorize Slate Financial to perform a soft pull on my personal credit and a hard pull on my business credit

Applicant Signature *

By drawing my signature and typing my full legal name below, I am electronically signing this funding application. I certify that the information provided is true and accurate, I authorize Slate Financial and its lending partners to verify it and pull credit as described above, and I agree that my electronic signature is the legal equivalent of my handwritten signature under the ESIGN Act and UETA.

Draw your signature

Sign here with your mouse or finger

Type your full legal name *I intend to sign this application electronically and agree my electronic signature is legally binding (ESIGN/UETA).

🔒 256-bit SSL encrypted · Your data is never sold

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Program Highlights

Advance up to 90% of invoice value

Approval based on your customers' credit

No long-term contract required

Funds in days

Required Documents

Have these ready to speed up your approval:

📄Accounts receivable aging report

📄Sample invoices

📄3 months business bank statements

📄Customer list

📄Driver's license

Typical Timeline

1 - 3 business days

Timeline begins after all required documents are received and verified.

Need Help?

Talk to a funding advisor

📞 (843) 290-8928