SBA Loans
$50,000 – $5,000,000
Government-backed financing with the lowest rates and longest terms available to small businesses. Ideal for acquisitions, real estate, major equipment, or refinancing high-interest debt.
Business Financing · $20K–$5M
Funding that fits your business. Not the other way around.
BizLendHub matches ambitious American businesses with the right financing from our network of 50+ trusted lenders. SBA loans, lines of credit, equipment financing, and more — curated to your business, not a one-size-fits-all algorithm.
Soft credit check · No impact on score
Funded in as few as 24 hours
No upfront fees
50+
Lender partners
$20K–$5M
Funding range
24 hrs
Fastest funding
100%
Soft credit check
Loan Products
Financing built for how your business actually operates.
Every business has a different shape — seasonal cash flow, big equipment purchases, unpaid invoices, growth capital. The right loan product is the one that matches your cash flow, not the one the first lender happens to offer.
Business Line of Credit
$10,000 – $500,000
Flexible revolving credit you draw from only when needed. Pay interest only on what you use. Perfect for smoothing cash flow, covering payroll, or seizing time-sensitive opportunities.
Equipment Financing
$25,000 – $2,000,000
Finance trucks, machinery, medical equipment, or kitchen builds using the equipment itself as collateral. Preserve working capital while you grow your operating capacity.
Working Capital / MCA
$10,000 – $500,000
Fast, revenue-based financing for businesses with strong daily sales. Credit flexibility, minimal documentation, funding in as little as 24 hours. Ideal for urgent needs.
Invoice Factoring
$25,000 – $5,000,000
Turn unpaid B2B invoices into immediate cash. We advance up to 90% of invoice value within 24 hours of approval. Ideal for B2B businesses with long payment cycles.
Commercial Real Estate
$250,000 – $10,000,000+
Purchase, refinance, or develop owner-occupied or investment property. Conventional, SBA 504, bridge, and construction financing sourced from our bank and non-bank network.
The Process
Four steps. Zero runaround.
Most business owners waste weeks applying to lender after lender, each with different forms, different underwriting, different answers. We do that work for you — once.
-
01 · Pre-qualify
Tell us about your business
A 10-minute online form captures what lenders actually need: revenue, time in business, credit, and funding goal. Soft credit pull only.
10 minutes -
02 · Match
We match you with the right lenders
Our team reviews your profile and routes you to the 2–5 lenders most likely to approve you on the best terms — not a generic shotgun to every lender in our network.
Same day -
03 · Compare
Review real offers, side by side
You see actual term sheets from multiple lenders — rate, term, fees, and total cost — so you can pick the offer that genuinely fits. We explain every line.
1–3 days -
04 · Fund
Sign, close, and fund
Accept your preferred offer and we coordinate closing documents with the lender. Funds wired directly to your business account.
As fast as 24 hrs
Why BizLendHub
A marketplace with a human at the other end.
The business lending space is full of algorithms that match you with whichever lender pays the platform the most. We do the opposite — your assigned funding specialist knows your business by name and fights for the best offer, not the easiest one.
-
i.
50+ lender network, one application
Fill out one form, get matched across banks, SBA preferred lenders, specialty equipment lenders, and alternative funders. We do the shopping, you pick the offer.
-
ii.
Transparent pricing, always
You see the APR, total cost of capital, and all fees before accepting. No teaser rates, no back-end surprises. Bad deals get flagged, not hidden.
-
iii.
Real advisors, not lead forms
Every application is reviewed by a funding specialist — not just routed to whichever lender bids highest. If your profile needs work, we'll tell you what to fix before submitting.
-
iv.
No cost to you
Pre-qualification and lender matching are free. We're compensated by the lender upon funding — and only if the terms work for you.
Free Tools
Run the numbers before you apply.
Two calculators used by our funding specialists with every client. Real math, no marketing spin, no email required to use them.
Most Popular
SBA Loan Payment Calculator
Model monthly payments, total interest, and year-by-year amortization for any SBA 7(a) or 504 scenario. Includes the SBA guarantee fee math.
- Real amortization engine
- SBA guarantee fee toggle
- 4 scenario presets
- Visual year-by-year chart
Trust Builder
MCA Factor Rate Calculator
Convert any merchant cash advance factor rate into the true APR. See side-by-side comparison against term loan pricing. Most MCA calculators hide this math — ours doesn't.
- Real IRR-based APR calculation
- Side-by-side term loan comparison
- Daily or weekly payment options
- 5 contract red flags to watch for
Library
Guides written by operators, not copywriters.
Deep-dive content for business owners comparing financing options. No fluff, real numbers, honest tradeoffs.
The Complete Guide to SBA Loans
Programs, requirements, rates, timelines, and how to actually get approved for an SBA loan.
Read guide
Business Lines of Credit: Complete Guide
Traditional, online, and SBA Express lines of credit compared. Requirements, rates, and when to choose each.
Read guide
How to Use an SBA Loan to Buy a Business
Down payments, qualification, seller notes, goodwill rules, and the red flags that kill acquisition loans.
Read article
Section 179 Deduction 2026
The $2.56M deduction limit, bonus depreciation interaction, and how equipment financing + Section 179 cuts your tax bill.
Read article
SBA Loan Requirements 2026
The specific credit, DSCR, revenue, and collateral numbers SBA lenders actually check before approving loans.
Read article
How to Get Out of a Merchant Cash Advance
Four legitimate exit paths: refinance, consolidation, workout, and reorganization. Plus scams to avoid.
Read article
Industries We Serve
Capital for businesses that build America.
We finance the businesses the major banks often overlook: the trucking company adding a fifth rig, the dental practice opening a second location, the restaurant renovating its kitchen.
Trucking & Logistics
Fleet financing, fuel advances, working capital.
Construction
Equipment, bonding lines, project financing.
Restaurants & Hospitality
Build-outs, renovations, working capital.
Medical & Dental
Practice acquisition, equipment, expansion.
Manufacturing
Machinery, facility expansion, AR financing.
E-Commerce & Retail
Inventory financing, ad spend, seasonal working capital.
Professional Services
Partner buyouts, tech stacks, growth capital.
Real Estate & Property
Acquisition, refinance, CRE, fix-and-flip.
Client Voices
Real businesses. Real capital.
These are composite scenarios reflecting typical outcomes for our client base. Every business is unique — your results will depend on your profile and goals.
We'd been quoted a 48% factor rate by another broker. BizLendHub got us a $180K SBA Express line at Prime+3. That difference paid off our truck fleet early.
Marcus Thornton
Owner, Thornton Freight · Texas
Our CPA couldn't make sense of three different MCA offers we had. Our funding specialist walked us through them line by line and found us a line of credit instead. Saved us roughly $40K in year one.
Priya Shah, DDS
Founder, Cedar Dental Group
Two banks turned us down because of a seasonal revenue dip. BizLendHub matched us with a lender that understood our industry. Funded in four days.
James Rivera
GM, Mesa Restaurant Group
Frequently Asked
Questions, answered clearly.
If your question isn't here, call us at (505) 000-0000 or email hello@bizlendhub.com. Real humans answer the phone between 8 AM and 6 PM MT.
How much can my business qualify for?
Most clients qualify for $20,000 to $500,000 in funding. Established businesses can access SBA loans up to $5 million and commercial real estate loans beyond that. Qualification depends on monthly revenue, time in business, credit profile, and industry — we can tell you exactly where you stand after a 10-minute pre-qualification.
How fast can I get funded?
Working capital and MCAs can fund in 24 to 72 hours. Lines of credit typically close in 3 to 7 business days. SBA loans take 30 to 60 days given their underwriting requirements. Our average time-to-funding is 4 business days.
What are the minimum qualifications?
Baseline criteria: 6 months in business, $15,000 average monthly revenue, and a 550+ personal FICO score. Stronger profiles unlock better rates and products. Newer businesses or lower credit scores may still qualify for specific products in our network.
Does applying hurt my credit score?
No. Our pre-qualification uses a soft credit pull only, which does not impact your credit score. A hard inquiry only happens when you agree to move forward with a specific lender's formal offer.
Is BizLendHub a direct lender?
BizLendHub is a business financing marketplace and licensed broker. We package your application and submit it to the lenders most likely to approve you on the best terms. You get multiple offers to compare without filling out multiple applications.
What does it cost to use BizLendHub?
Pre-qualification and lender matching are free. We're compensated directly by the lender upon funding. You see the final rate, term, fees, and total cost before accepting any offer.
What industries do you work with?
Nearly every for-profit industry: construction, trucking, restaurants, retail, medical and dental, professional services, manufacturing, e-commerce, auto, and real estate services. A few restricted industries require specialty lenders — we'll tell you upfront if that applies to you.
Get Pre-Qualified
Ten minutes. Zero impact on your credit.
Tell us a bit about your business and we'll route your application to the lenders most likely to approve you on favorable terms. A funding specialist will call within one business hour to review your options.
- Soft credit pull only — no score impact
- 256-bit SSL · your data never sold
- No obligation to accept any offer
- A human calls back — not a bot
Application received.
A funding specialist will call you within one business hour to walk through your pre-qualification results. Check your email for a confirmation.
About Us
Built by operators, for operators.
BizLendHub is a business financing marketplace operated by Eniji LLC, headquartered in Albuquerque, New Mexico. We built BizLendHub because we were tired of watching good businesses accept bad loans — signed under pressure, without options, without anyone in their corner.
Today we operate as an independent sales organization (ISO) with more than fifty lender partners across the United States, from community banks to SBA preferred lenders to specialty factoring groups. Every application is assigned to a dedicated funding specialist whose only job is to find you the best fit — and to tell you honestly when an offer isn't one.
We're licensed, bonded, and transparent about how we earn: lenders compensate us upon funding, and you always see the full cost of any offer before accepting.