Alternative funding built for US small businesses
Get clarity on your best funding options in 15 minutes
FAQ is a dedicated finance partner for small businesses navigating 0% promotions, merchant cash advances, working capital, SBA loans, and more. Talk to a lending specialist — not a call center — and map the fastest, safest way to get funded.
No cost, no obligation — just straight answers on which lenders and products fit your revenue, credit, and timeline.
450+ credit accepted
For businesses with strong daily sales and consistent deposits.
24–72 hour approvals
Fast decisions from top US alternative lenders.
Up to $750,000 working capital
Match the right limit to your current cash flow.
Request your free funding roadmap
One 15-minute call. Clear next steps for your business — even if we don’t fund you.
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Connecting small businesses with a vetted network of US-based alternative lenders and specialty finance partners.
Funding options we’ll compare with you
Answer your big questions about alternative business lending
Every lender, product, and rate structure comes with tradeoffs. We walk you through the real numbers for your business so you can compare 0% promos, MCAs, SBA loans, and more with confidence.
Common questions we’ll cover:
- How much can I realistically qualify for?
- Is 0% financing actually free money?
- MCA vs. working capital loan — what’s safer?
- Which product fits my cash flow pattern?
0% interest business loans
Introductory 0% APR promotions for 12–24 months that can function like a short-term bridge loan when used strategically.
Best for: predictable projects you can repay quickly (inventory flips, marketing campaigns, seasonal stock).
Merchant Cash Advance (MCA)
Lump-sum advances repaid via a small percentage of your daily card sales — approval is based heavily on revenue, not just credit.
Best for: strong, steady daily sales and businesses that need fast access to cash.
Equipment funding
Finance or lease heavy equipment, vehicles, or technology over time — often secured by the asset itself.
Best for: construction, logistics, medical, manufacturing, and any asset-heavy business.
Invoice factoring
Turn unpaid invoices into immediate working capital by selling them to a factoring partner for a small fee.
Best for: B2B companies with long payment terms and reliable, creditworthy customers.
Working capital loans
Flexible term loans and credit lines up to $750,000 to smooth out cash flow and fund day-to-day operations.
Best for: managing payroll, inventory, marketing, and growth initiatives without cash crunches.
SBA-backed loans
Government-backed term loans with longer repayment periods and lower rates for qualified borrowers.
Best for: established businesses planning larger expansions, acquisitions, or real estate purchases.
Who we can help
Funding options start at 450+ credit when your sales are strong
Traditional banks focus on credit first and cash flow second. Our lending network flips that: we prioritize real revenue, daily deposits, and business performance.
- Minimum credit scores from 450+ for businesses with strong, consistent daily sales
- Daily or weekly card sales and bank deposits matter more than a perfect FICO
- Tailored options for both brick-and-mortar and online businesses
- Special paths for recovering-credit owners who can show solid current revenue
Not sure if you qualify? A quick conversation and a recent bank statement are usually enough for us to give you clear guidance.
Snapshot of a typical approval
- $35K/month average deposits
- 510–640 credit score range
- 18–24 months in business
- MCA or working capital offers within 24–48 hours
What we’ll ask on the call:
- Average monthly revenue and seasonality
- How you accept payments (cards, ACH, invoices)
- Rough credit range and any major credit events
- How fast you need funds and what you’ll use them for
Simple, transparent process
From questions to funding in days, not months
We act as your translator between complex lender terms and your real-world cash flow — so you only move forward when the math truly works for your business.
Step 1
Free consultation
We learn how your business operates, your current revenue, credit range, and what you’re trying to fund.
Step 2
Compare real offers
We present side-by-side options across MCAs, 0% promos, equipment, working capital, and SBA where applicable.
Step 3
Move forward on your terms
If a deal makes sense, we help you finalize paperwork and get funded. If not, you walk away with a clear roadmap — no pressure.
FAQ on alternative lending
Straight answers about 0% loans, MCAs, and more
Have a question you don’t see here? Use the form below or book a consult and we’ll cover your specific situation.
Are 0% interest business loans for 12–24 months really free money?
Not exactly. 0% offers usually apply to an introductory period and often come with fees or higher rates after the promo ends. Used well, they can be an extremely cheap way to fund a short project or bridge a gap. Used poorly, they can turn into expensive revolving debt. On your consult, we’ll map out how much you plan to borrow, how quickly you can realistically pay it back, and what happens when the 0% window expires.
How is a Merchant Cash Advance different from a traditional loan?
An MCA is technically a purchase of future receivables, not a loan. You get a lump sum up front and repay it as a fixed percentage of your daily card sales until a set amount is repaid. Approval is driven largely by your revenue and bank statements rather than just your credit score. The tradeoffs: MCAs can be more expensive than bank loans but much faster and more flexible if your credit is challenged or you’ve been turned down elsewhere.
What credit score do I need to qualify?
For many of our alternative lending partners, minimum credit scores start at around 450 when daily sales and bank deposits are strong. The stronger your revenue, margins, and cash flow, the more options you’ll have — even if your personal credit isn’t perfect. For SBA and some longer-term products, higher scores are typically required, but we can often show you a path to get from where you are today to SBA-ready over time.
How fast can I get funded?
For revenue-based products such as MCAs and certain working capital loans, approvals often arrive within 24–72 hours once we have your basic documentation (usually recent bank statements, IDs, and business details). Funding can follow quickly after approval. SBA loans and more complex facilities take longer, but we’ll give you a realistic timeline on your consult so you can plan around it.
Will applying hurt my credit?
Most initial pre-qualification checks use soft pulls or revenue-based underwriting that will not impact your credit. Before any hard inquiry is run, we’ll explain which lenders require it, why it’s needed, and what you can expect. Our goal is to minimize unnecessary credit pulls while still giving you solid, actionable offers.
What does the free consultation include?
We’ll walk through your business model, current revenue and cash flow, existing debts, credit range, and funding goals. From there, we’ll outline which products appear to fit (such as 0% promotions, MCAs, working capital loans, equipment funding, invoice factoring, or SBA options), what documentation you’d need, and what ranges of terms you might expect. You’ll leave with a clear roadmap, whether or not you decide to move forward with any offer.
Get your personalized alternative lending FAQ—applied to your numbers
In one short call, we’ll answer your top questions and show you which mix of 0% offers, MCAs, equipment, working capital, factoring, or SBA loans fits your business best.
- No-cost, no-pressure consultation
- Tailored scenarios based on your real revenue
- Clarity on total cost, not just headline rates
- Next steps whether or not you fund now
Average time to first offer: 24–72 hours once we have your documents.
Book your free consultation
Tell us a bit about your business and your funding goals. We’ll follow up within one business day.
Your information is confidential and will only be used to match you with relevant funding options.
©
FAQ Lending is not a bank. We work with a network of independent lenders and finance companies in the United States. Approvals, rates, and terms are subject to each lender’s underwriting and may change without notice.