Last Updated: 03/31/2026
BusinessLoans.com Accounts Receivable Financing
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Last Updated: 03/31/2026
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Highlights
Amount Range
$5,000 - $3,000,000
APR (Fixed APR)
Starting at 9%(Verified 06/21/2024)
Minimum Months in Business
6
Minimum Revenue
$100,000
BusinessLoans.com Accounts Receivable Financing Review
BusinessLoans.com Accounts Receivable Financing is a business financing offering by BusinessLoans.com, based in , . Founded in , BusinessLoans.com offers access to small business loans in 50 states (and Washington, DC).
BusinessLoans.com Accounts Receivable Financing FAQ
What are BusinessLoans.com Accounts Receivable Financing’s rates?
BusinessLoans.com Accounts Receivable Financing offers a fixed APR business financing product that ranges from 9% APR.
Does BusinessLoans.com Accounts Receivable Financing charge an origination fee?
No, BusinessLoans.com Accounts Receivable Financing does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a business loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
What limitations does BusinessLoans.com Accounts Receivable Financing set on the purpose of the business loan?
BusinessLoans.com Accounts Receivable Financing considers business loan applications for business purposes, such as:
Does BusinessLoans.com Accounts Receivable Financing charge prepayment fees?
Yes, BusinessLoans.com Accounts Receivable Financing charges additional fees to borrowers who pay off their small business loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a business loan early.How much can you borrow from BusinessLoans.com Accounts Receivable Financing?
Business loan amounts start at $5,000 and go up to $3,000,000.
What is the maximum business loan term you can get with BusinessLoans.com Accounts Receivable Financing?
BusinessLoans.com Accounts Receivable Financing offers small business loans with terms ranging from 3 to 36 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What do you need to qualify for BusinessLoans.com Accounts Receivable Financing?
Applicants with a credit score of at least 600 and up to 850 may be eligible for BusinessLoans.com Accounts Receivable Financing. The minimum age to be eligible is 18 or the state minimum, whichever is higher. BusinessLoans.com Accounts Receivable Financing does not have or does not disclose a minimum annual income eligibility requirement.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the BusinessLoans.com Accounts Receivable Financing product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by BusinessLoans.com Accounts Receivable Financing.
To qualify, applicants may need to provide the following documentation:
- Bank account information
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does BusinessLoans.com Accounts Receivable Financing report your account activity to credit bureaus?
Yes, BusinessLoans.com Accounts Receivable Financing reports to the following credit bureau:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does BusinessLoans.com perform a hard credit pull?
Yes, BusinessLoans.com Accounts Receivable Financing performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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