Ask SmarterLends

Can I Get A Business Loan With Less Than Two Years In Business

We're putting the finishing touches on this guide. In the meantime, see what funding options your business qualifies for.

SmarterLends — Business Funding for U.S. Small Businesses

SmarterLends connects U.S. small business owners with Breeze Capital, our preferred funding partner, for working capital, equipment financing, and growth funding.

Funding Options

Working Capital — Day-to-day operations, payroll, inventory, and cash flow gaps.
Business Line of Credit — Flexible access to capital when your business needs it.
Equipment Financing — Vehicles, tools, machines, and more.

How It Works

Review funding information on SmarterLends.
Click through to complete your application with Breeze Capital.
Qualified applicants may receive a decision in as little as 24 hours.

Basic Qualification Snapshot

At least 6 months in business
500+ FICO typically preferred
$10,000+ average monthly deposits
U.S.-based business

Industries We Serve

FAQ

Is SmarterLends a direct lender?: No. SmarterLends is a referral platform that connects business owners with Breeze Capital, our preferred funding partner.
How quickly can I hear back?: Many qualified applicants may receive a review within 24 hours, and some may be eligible for same-day funding.
What are the basic requirements?: At least 6 months in business, a 500+ FICO, and $10,000+ in average monthly deposits.

Apply Now at Breeze Capital →

SmarterLends is not a direct lender. Funding applications are completed on Breeze Capital.
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