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.

E-commerce Funding: How to Scale Your Online Business with Smart Capital | Slate Financial Blog

E-commerce businesses face a unique challenge: you need to buy inventory months before you sell it. Amazon sellers, Shopify stores, and DTC brands all need capital to scale. Here is how online businesses get funded fast.

Best Funding for E-commerce

MCA for Online Sellers

If your business processes credit card payments through Stripe, PayPal, or Amazon, MCA is built for you. Repayment is a percentage of daily sales. $5K-$2M in 24 hours.

Inventory Financing

Need to stock up for peak season? Inventory financing lets you buy product now and pay later. Critical for Q4 holiday prep, Prime Day, and seasonal campaigns.

Lines of Credit

A revolving credit line is the perfect tool for e-commerce. Use it for inventory, ad spend, shipping costs, or hiring. Only pay interest on what you draw. $10K-$1M.

Revenue-Based Financing

Lenders advance capital based on your monthly revenue. No equity dilution. No fixed payments. Repay as a percentage of revenue.

Scale with Slate Financial

David R. Bizousky built Slate Financial to help businesses scale with the right capital. Our AI matches you with competing lenders. Apply in 5 minutes.

Need Business Funding?

Slate Financial matches you with the best funding options. Apply in minutes with no credit impact.

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E-commerce Funding: How to Scale Your Online Business with Smart Capital