Working capital,
decided the same day.
$10K to $2M for established small businesses. One application, a real advisor on your file, and offers that show the amount, the cost, and the payment before you commit to anything.
Apply in one sitting.
Three steps to funded.
Three things you'll need.
Counted from your business start date.
Deposited into your business bank account.
Your statements come from it, and your funding goes to it.
Not quite there yet? Call (800) 201-0771 and we'll tell you straight whether it's worth applying now or in a few months.
What the application asks, and why.
Anything else, call (800) 201-0771 or email info@berkmanfinancial.com.
Will applying affect my credit score?
No. Checking what you qualify for uses a soft inquiry, which doesn't affect your credit score. A hard inquiry only happens if you accept an offer and move forward to funding.
Why do you ask for my Social Security number?
To confirm your identity and your ownership of the business — the same check any funder runs before making an offer. It's used for a soft inquiry only, and it's sent over an encrypted connection.
Why three months of bank statements?
Statements show how money actually moves through your business: deposits, balances, and consistency. They let us fund on cash flow rather than credit score alone, and they're the fastest route to a real offer. PDFs from your online banking are best; clear phone photos work too.
What if I don't have an EIN?
You can still apply. There's an "I don't have an EIN" option on the ownership step, and your advisor will let you know if anything else is needed.
How fast can I get funded?
Most applicants hear back the same business day. Once you accept an offer and sign, funds are usually wired within 24 hours — sometimes the same day, depending on your bank's wire cutoff.
How much can I get?
$10K to $2M. The amount is based mainly on your monthly revenue and time in business, and every offer shows the total cost and the payment up front.
Does it cost anything to apply?
No. There is no application fee, and applying doesn't commit you to anything.
Is my information secure?
Your application is sent over a 256-bit encrypted connection and goes straight into our application system. How we use it is set out in our Privacy Policy.
Find out what your business qualifies for.
See if you're approved without impacting your credit.