# Apply once. ~~Funded in weeks.~~ Funded in hours.

EQ Funding is where businesses get funded fast — and on the best terms. One application, 50 specialized lenders competing to fund you, real side-by-side offers — funded in hours, not months.

Apply on the home page (https://www.eqfunding.com/): Six questions. Two minutes. No effect on your credit score. Firm offers from 50 lenders within 24 hours.

## From application to wire in four steps.

No calls from a dozen lenders, no chasing rates. You apply once — to the lenders you choose with the best terms.

1. **Tell us your situation.** (~2 min) Six questions. No documents required to start. No effect on your credit score.
2. **You pick your lenders.** (~5 min) Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
3. **Compare firm offers.** (24-48 hr) We negotiate the best terms with each lender you selected and send you their firm offers — side by side on APR, term, and payment.
4. **Sign & fund.** (24-48 hrs) One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.

## Eight products. One application.

We route your file across every applicable product type — and let the lenders compete for your business.

- [Term Loans](https://www.eqfunding.com/term-loans) ($25K – $5M): Fixed-rate capital with predictable monthly terms, 2 to 10 years.
- [SBA 7(a) & 504 Loans](https://www.eqfunding.com/sba-loans) ($50K – $5M): Government-backed rates and the longest amortizations on the market.
- [Lines of Credit](https://www.eqfunding.com/line-of-credit) ($10K – $500K): Revolving capital, drawn on demand. Only pay for what you use.
- [Revenue-Based Financing](https://www.eqfunding.com/revenue-based-financing) ($5K – $2M): Funding tied to receivables. No collateral, no fixed term.
- [Equipment Financing](https://www.eqfunding.com/equipment-financing) ($25K – $5M): Capital secured by the asset itself. Section 179 eligible.
- [Invoice Factoring](https://www.eqfunding.com/invoice-factoring) (Up to 90% AR): Convert outstanding receivables into same-day working capital.
- [Startup Capital Financing](https://www.eqfunding.com/startup-capital-financing) ($10K – $250K): Founder-friendly financing built around projections, not just revenue.
- [Commercial Real Estate](https://www.eqfunding.com/commercial-real-estate) ($50K – $20M): Bridge, acquisition, and asset-backed financing secured by commercial property.
- Let us recommend. Answer six questions and we'll route your file to the products your profile qualifies for. No fee, no credit pull.

Estimate what you can qualify for with the [calculators](https://www.eqfunding.com/calculators).

## Measured against the market.

The metrics that actually decide a deal — time to offer, lenders competing, credit impact, speed to fund — against a bank and a typical marketplace.

| Metric | EQ Funding | Traditional bank | Other marketplaces |
| --- | --- | --- | --- |
| Time to first offer | 24 hours | 2–6 weeks | 48–72 hours |
| Credit inquiry | Soft | Hard | Hard |
| Lenders compared | 50+ | 1 | 8–15 |
| Industries declined | None | Many | Some |
| Speed to fund | 24-48 hours | 30-90 days | 5-14 days |

## Guides to getting funded.

- [How to Get a Business Loan in 2026: A Step-by-Step Guide](https://www.eqfunding.com/blog/how-to-get-a-business-loan): How to get a business loan — what lenders check, which loan type fits your need, the documents you'll need, and how to apply once instead of a dozen times.
- [Types of Business Loans: The Complete Comparison (and How to Choose)](https://www.eqfunding.com/blog/types-of-business-loans): Every major business loan type compared — term loans, lines of credit, SBA, revenue-based, equipment, factoring, and more — on cost, speed, credit, and best use.
- [SBA Loans Explained: 7(a) vs. 504, Requirements & How to Apply](https://www.eqfunding.com/blog/sba-loans-guide): How SBA loans work — the government guarantee, 7(a) vs. 504, what you need to qualify, the documents required, and how to find an approved SBA lender.
- [Equipment Financing: How to Fund Equipment Without Draining Cash](https://www.eqfunding.com/blog/equipment-financing-guide): How equipment financing works — why the asset is the collateral, financing vs. leasing, the Section 179 tax angle, and which industries it fits best.
- [Invoice Factoring: How to Turn Unpaid Invoices into Same-Day Cash](https://www.eqfunding.com/blog/invoice-factoring-guide): How invoice factoring works — the advance, fee, and rebate explained, factoring vs. invoice financing, recourse vs. non-recourse, and why your customer's credit matters.
- [Business Line of Credit vs. Term Loan: Which Is Right for You?](https://www.eqfunding.com/blog/line-of-credit-vs-term-loan): Line of credit vs. term loan — how each works, how they differ on structure, interest, and flexibility, when each one wins, and whether you should have both.
- [Business Loans for Bad Credit: What Actually Gets Approved in 2026](https://www.eqfunding.com/blog/business-loans-for-bad-credit): Business loans for bad credit explained — which products underwrite on cash flow and assets, not just your score, plus rates and ways to boost approval odds.
- [How Much Can My Business Borrow? Loan Amounts Explained](https://www.eqfunding.com/blog/how-much-can-i-borrow): How much can I borrow with a business loan? A clear guide to loan amount ranges by product, the rule of thumb tied to revenue, and what raises your ceiling.
- [Business Loan Interest Rates (October 2026): What's a Good Rate?](https://www.eqfunding.com/blog/business-loan-interest-rates): Current business loan interest rates for October 2026 — realistic APR ranges by product, the APR-vs-factor-rate distinction, what drives your rate, and how to lock in a lower one.
- [One Bank vs. a Whole Network: Why a Funding Marketplace Gets You Funded](https://www.eqfunding.com/blog/funding-marketplace-vs-bank): Applying to one bank is a single shot at yes or no. A funding marketplace flips it — one application, lenders compete, side-by-side offers. Here's how it works.
- [Startup Capital: How New Businesses Get Funded (Even Pre-Revenue)](https://www.eqfunding.com/blog/startup-business-loans): How new and pre-revenue businesses get funded — debt vs. equity, what underwriters look at before you have revenue, and realistic products and amounts by stage.
- [What Is Working Capital — and the Fastest Ways to Get It](https://www.eqfunding.com/blog/what-is-working-capital): What working capital is — the formula, a worked example, the cash-flow cycle behind it, and the fastest funding when you need it: a line of credit, RBF, or factoring.

All guides: https://www.eqfunding.com/blog

## 6 questions most businesses ask.

### Does applying affect my credit score?

No effect on your credit score. Pre-qualification is invisible to other lenders and has zero impact on your FICO. A hard inquiry only happens once you accept a specific lender's offer.

### What documents do I need to start?

None to start. The 7-question application takes ~2 minutes and uses no documents. Once we route your file and an offer comes back, lenders typically request: 3–6 months of bank statements, a driver's license, and (for amounts over $250K) a recent tax return.

### How fast can I actually get funded?

Median end-to-end for term loans and lines of credit is under 2 days. Revenue-based products can fund same-day. SBA loans take 14–30 days due to government underwriting — the trade-off is the lowest available APR.

### I have bad credit. Will I still qualify?

Probably. We work with lenders who underwrite on revenue and trajectory, not just credit. Operators with sub-600 scores routinely fund here through revenue-based products and equipment financing.

### Is my information shared with all 50 lenders?

No. We match you to the lenders most likely to fund your specific profile, then you choose which ones to apply to — your application is only sent to the lenders you select. It is never broadcast publicly, sold to data brokers, or shared with companies you didn't authorize.

### What does EQ Funding charge?

Nothing, to you. EQ Funding is paid by the lender when your deal closes — never by you. We only get paid if you accept an offer, so we're motivated to find you the best terms.

## Apply once. Get funded.

Six questions. Two minutes. No effect on your credit score. Firm offers from 50 lenders within 24 hours.

- No documents to start
- No effect on credit score
- 2 minutes total
- First offers in 24hr

Start the application on the home page: https://www.eqfunding.com/

## For AI agents

- [llms.txt](https://www.eqfunding.com/llms.txt): site index for AI assistants
- [MCP server](https://www.eqfunding.com/api/mcp): Model Context Protocol endpoint (Streamable HTTP, no authentication)
- [Sitemap](https://www.eqfunding.com/sitemap.xml)
- [Contact](https://www.eqfunding.com/contact)