Small Business Loans For All Your Business Needs

Our small business loans give simple and easy a new definition. Made for businesses that need working capital fast.

Small Business Loan Financing

A small business loan allows small businesses owners to receive a lump sum of working capital to meet their business needs. Our small business loans can help with business expansion, marketing budget, opening of new business location, buying new equipment, and so much more. We made our loans fast and simple so business owners can dedicate the time to growing the business and to succeeding. Did we mention it’s simple? Once approved and after receiving the working capital, you can set up your online account to review details of your business financing.
Regardless of the amount of working capital a business needs; our small business loans allow that flexibility. Qualified businesses can get access to working capital starting at $5,000 and ranging up to $1 million. The best part about our small business loans is that you can apply through your computer or smart phone.

Fixed Payments*

Automatic fixed payments, which are daily, weekly or monthly.

Business Loan Term Options*

Terms ranging from three months up to sixty months.

Fast Business Funds*

Funds can be deposited into your business bank account within hours after approval.

Small business loans help resolve unexpected business costs!

All you need are 3 important things to apply

Form of identity validation

Business bank account number and routing

Last three months of business bank statements

Application Process

1) Apply Online

Applying is as easy as one, two, three. The first step is clicking the GET QUOTE button at the top of page. We want to know about your company, its goals, and objectives. To make the process faster, we strongly recommend having the necessary paperwork handy.

2) Let us review

3) Get Funded

If approved, our team will send out the approved funds to the business bank account. This can be as quick as a few minutes so be on the lookout. We pride ourselves in providing businesses with fast access to working capital.

Small Business Loans FAQ

Getting a small business loan does not have to be hard or time consuming. With Nebula Finance, steps to apply for a small business loan are very simple and fast. It all starts with filling out an application. Having the necessary documentation in hand will help facilitate the process. The most common documents needed are: your driver’s license or other form of identification, online access to your business bank account or three months of business bank statements, and your business bank account and routing number. Other documents and information may be required in some cases. Once we have received your application for a small business loan, we will proceed to review it. If approved, be on the lookout as we will send the working capital to the business bank account provided to us during the application process. Need more information? Check out our blog on how to get a small business loan for more answers to your questions.

Credit can be an important factor that alternative funders or traditional small business lender looks at when trying to qualify a business for a loan. However, it is so important to note that it is not the only determining factor that funders look at. Funders like to look at the overall performance of the small business which means looking at the business revenue, time in business, accounts receivables, and business credit history. For more information, please check out our how to get a small business loan with bad credit article.

Getting a secured or unsecured small business loan really depends on your current business needs and financial situation as well as the type of funder that is going to provide your business with the working capital. A secured business loan is when the lender takes an interest in the business’s collateral, which typically means that the lender will file a UCC financing statement as to the business collateral. For an unsecured business loan, the lender does not take an interest in the collateral and does not file a UCC financing statement. In general terms, an unsecured loan reduces possible risks for the borrower, however, often times will not offer such competitive terms. Secured loans, are generally a better option for many businesses as it helps reduce the cost of funds which can also help increase the amount of financing. Other factors to consider are that specific collateral (specific to those of real estate, inventory, or other specific assets) can help increase the financing even more; however, they can take much longer for the loan to be processed and approved. At Nebula Finance, our secured loans are a great option for small business financing as the application process is still quick and easy.

A UCC financing statement is a document filed with the secretary of state by the lender proving you financing. The UCC puts other lenders on notice that your lender has a security interest in your business collateral. The UCC will be filed in a state where your business operates or a state where the business has collateral. Once the small business loan has been paid in full, and there are no other outstanding loans with the lender (i.e. any renewal loans or another separate loan), the lender will terminate the UCC.

Most alternative funders require the business owners to provide information regarding certain time in business, business bank account, business revenue, and some sort of identification (i.e. driver’s license or passport). While this is not an exhaustive list, these are the most common requirements when applying for working capital.

A small business loan can be both short term as well as long term, it just depends on what the business needs. Nebula Finance offers business loan terms starting at 3 months and can range up to 60 months*. If the business needs quick access to working capital, but wants to pay the loan off quicker, then a small business loan can be short term. However, if a business is looking for longer repayment terms, then the business may qualify for a long term business loan, provided the funder offers longer term loans. There are lots of factors that lenders funders take into consideration when determining loan terms. The best thing to do is communicate your business needs with our team to find the best solution for you.

Nebula Finance offers a small business financing calculator that will allow you to adjust certain business information accordingly, such things as the working capital amount, your estimated credit score, and monthly sales. This will allow you to see what your small business may qualify for once you apply for small business financing; however, additional information may be required. To see what your business may qualify for, we recommend applying online through our website through your desktop, tablet, or mobile phone.

Click here for immediate access to the small business financing calculator.

Unsure which business financing solution is best for you?

Marchant Cash Advance

  • Need a financing solution with flexible requirements

Line of Credit

  • Looking for revolving credit and quick access to capital?

Other Finacing Options

  • Check out our other financing solutions for small businesses

Small Business Loans with Nebula Finance

Nebula Finance knows what it takes to grow a successful business, and we want to help. We want to provide all the financial resource possible for your business to succeed. After all, your success is our success. Whether it’s location expansion, payroll, marketing efforts, new equipment or technology, we have a financing solution to help.

Trusted by thousands of businesses all over the country

Online application that is fast, convenient, and easy to use

Dedicated business advisors that care

Streamlined process for additional funding needs

Speak with a
business advisor

We have a long history of helping small businesses grow their business. We do the heavy lifting, so that you don’t have to.