Our small business loans are the best alternative to traditional bank loans.

Fast business loans With no credit checks

Business Funding America give you the flexible funding option to small business owners without checking their credit score. Not only this, by getting loans through us. One can improve their credit score for future needs.

Some of our business funding options


Our proprietary cash flow analysis assesses the total health of your business, not just your credit.

Featuring a fixed maturity date and cost of capital, our business term loans are the best alternative to a traditional bank loan



Convert your future credit card receivables into working capital that you can use today.

Ideal for seasonal businesses, retailers, and any higher volume business that need a flexible payment plant.

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Finance up to 250% of your business’ total revenue with flexible repayment terms.

Sell us a percentage of your future sales (not only credit) to get higher approvals without losing the flexible of a merchant cash advance.

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Make sure that your business is ready for anything.

Unforeseen operating expenses can throw a wrench into things. Get approved for a line of credit to make sure your business capital requirements are always met.

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  • You guys are very efficient… Awesome! I am very thankful for always being there for me and my business. They have been helping me for the last few years and I know I can count on them whenever I have a need for quick capital. Their process is efficient and reliable. Daniel took care of my business in a very professional, consultative manner. I am a customer for life. Thank you!

    Steven E Sagar - Owner - Jiffy Mart Foods

  • We provide software consulting services & technology. When we take on new consulting customers, cash flow is a key factor. The funds provided by your company have allowed Second Phase to grow our consulting business by providing an injection of cash flow in an extremely timely manner. This team understands the immediate needs of small businesses like ours. Their application and approval process is by far the fastest I’ve seen. We have been working with them since 2013 and the service has been exceptional!

    Troy G. Smith - Founder & President - SecondPhase