Business funding

Find out how much capital you're approved for. Instantly.

No hard pull. No waiting on a banker. Answer five questions and see your real pre-qualified amount before you ever fill out an application.

Run My Numbers Skip to the Application
50+
States funded
$250M+
Capital deployed
24–72h
Approval time
$25K–$5M
Funding range

The instant approval calculator

Your approval is based on what your business actually deposits every month. Plug in your real numbers. The amount updates live.

Your numbers

What actually hits your business bank account each month.

$

Deposits minus everything you pay out.

$

Your instant answer

You're pre-qualified for up to
$0

Fill in your numbers and your amount appears here.

Approval tiers, % of monthly deposits
580 to 640 credit 60%
641 to 700 credit 80%
701+ credit 120%
2+ years in business
Keep at least 10% of monthly deposits after bills
Apply for This Amount →

No hard credit pull. Pre-qualification in minutes.

No prepayment penalties
No hard pull for pre-qual
Real people, straight answers
24–72h approval
$25K–$5M available
50 states funded

Simple process

How it works

Step 01

Apply in minutes

One application covers all programs. No hard pull for pre-qualification. Real people review your file — not an algorithm.

Step 02

Get your offer

Receive a clear funding offer within 24–72 hours. Terms explained plainly — no fine print surprises, no bait-and-switch.

Step 03

Get funded

Accept your offer, sign the docs, and funds hit your account in 1–3 business days. That's it.

Financing options

Flexible capital for real operators

Pick the structure that matches your cash flow and growth plan.

$25K – $500K

Business Line of Credit

Revolving credit facility for working capital. Only pay interest on what you draw. No prepayment penalties.

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$50K – $2M

Term Loans

Fixed-rate loans with predictable monthly payments. 12–36 month terms. Full amount upfront.

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Up to 80% LTV

Real Estate Lending

Fix & flip, DSCR, bridge loans, and construction financing for investors and developers.

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$50K – $2M

Equipment Financing

Vehicles, machinery, medical equipment, and technology with flexible asset-backed terms.

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$50K – $5M

SBA Programs

Government-backed loans with the lowest rates available. Best for established businesses with strong financials.

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$250K – $5M

Commercial Lending

Owner-occupied commercial real estate and large-scale business financing for serious operators.

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Verified reviews

What entrepreneurs say

“Fantastic to work with. Their quick, no BS approach is what drew me in initially! Willing to go out on a limb to get the deals done.”
Ariel Hendricks — Verified via Trustpilot
“Getting a business loan has never been easier! Everything was explained in great detail and there were no surprises.”
Mary Wilson — Verified via Trustpilot
“For those looking for a company with a strong personality and a clear drive to make an impact, Closer Capital is a compelling option.”
trevhopp — Verified via Trustpilot

Frequently Asked Questions

How fast can I get business funding?
Most applicants get a clear funding offer within 24–72 hours. Once you accept and sign, funds typically hit your account in 1–3 business days.
Does checking my rate hurt my credit?
No. Pre-qualification does not require a hard credit pull, so checking your options will not affect your credit score.
How much can I borrow?
Funding ranges from $25K to $5M depending on the program — lines of credit, term loans, SBA options, real estate, and equipment financing all have different limits.
What financing programs do you offer?
We offer business lines of credit, term loans, SBA programs, real estate lending, equipment financing, and commercial lending — one application covers all of them.
Do I need good credit to qualify?
Our programs generally start around a 600+ minimum credit score, but a real person reviews your file rather than an algorithm, so your full picture matters, not just your score.
What are the requirements to apply?
Requirements vary by program. As a baseline, most of our funding options call for at least 1 year in business and $100K+ in annual revenue.

Ready to Move Fast?

Get a funding offer in 24–72 hours. No hard pull for pre-qualification. Straight answers from real people.

Start Your Application →

Approval in 24–72 hours · 1+ year in business · $100K+ annual revenue required