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Is Finance Factory Unsecured Start-up Loans the right fit for you?

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Last Updated: 03/24/2026

Finance Factory Unsecured Start-up Loans

from Finance Factory

Last Updated: 03/24/2026

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Highlights

Amount Range

$25,000 - $350,000

APR (Fixed APR)

0% - 17%(Verified 06/21/2024)
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Loan Term (Months)

36 - 120
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Finance Factory Unsecured Start-up Loans Review

Finance factory is a business financing offering by Finance Factory, based in Towson, MD. Founded in 2006, Finance Factory offers access to small business loans in 50 states (and Washington, DC).

Finance factory FAQ

What are Finance factory rates?

Finance factory offers a fixed APR business financing product that ranges from 0% APR up to 17% APR.

Does Finance factory charge an origination fee?

Yes, Finance factory charges a loan origination fee of 2% to 9.9% of the business loan amount . Finance factory deducts the fee directly from your business loan amount before disbursing loan proceeds, so make sure you take this fee into account when deciding how much you need to borrow.

Does Finance factory charge prepayment fees?

No, Finance factory does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the business loan off early.

How much can you borrow from Finance factory?

Business loan amounts start at $25,000 and go up to $350,000.

What is the maximum business loan term you can get with Finance factory?

Finance factory offers small business loans with terms ranging from 36 to 120 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 Finance Factory Unsecured Start-up Loans?

Finance Factory Unsecured Start-up Loans requires companies to be in business for at least month Businesses don't have to meet a minimum annual revenue to be considered.
Applicants with a credit score of at least 700 and up to 850 may be eligible for Finance Factory Unsecured Start-up Loans. The minimum age to be eligible is 25 or the state minimum, whichever is higher.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Finance Factory Unsecured Start-up Loans.
To qualify, applicants may need to provide the following documentation:
  • Recent pay stubs
  • Proof of income
  • Bank account information
  • Business formation documents
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity
  • U.S. tax identification number

What is the estimated funding time for a business loan via Finance factory?

Finance factory can fund small business loans within 7 business days.

Does Finance Factory Unsecured Start-up Loans report your account activity to credit bureaus?

Yes, Finance Factory Unsecured Start-up Loans reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
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 Finance Factory perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
Finance factory allows you to check your rates with a soft credit pull.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Finance Factory Unsecured Start-up Loans logo

Message from Finance factory

Finance Factory is a full service business finance and consulting firm. Through our marketplace, we offer a suite of financing programs and small business services nationwide. Our knowledgeable Funding Specialists develop a funding strategy designed to accomplish both your short and long term goals. Whether you are a start-up looking for working capital, an existing business acquiring a competitor or purchasing new equipment, Finance Factory has options to accomplish your goals.

Contact

Headquarters

600 Fairmount Ave Ste 206
Towson, MD 21286
(800) 691-6727
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Other Services by Finance Factory

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Finance Factory Unsecured Start-up Loans Community Reviews

Would you recommend Finance Factory Unsecured Start-up Loans to your friends?

Free L. avatar image

Free L.

Nov 14, 2022

May or may not recommend

Great service! Got the funding I needed within a few weeks to help me start my business and get the upfront working capital necessary to start off on the right foot. They took the time to explain things to me, were available to answer my questions, and were quick to get back to me whether by email or by phone.
WB

Wadhah B.

Jul 3, 2022

May or may not recommend

It’s a good to have a back up for your business in this world situation and oil prices
MM

Malcolm M.

Jun 27, 2022

May or may not recommend

I love the fact how this company's there for you. And can show you what's a better life in growth in a business. That's a opportunity for people financially. Some of us already have something and just need a little push. Some doesn't have any and needs a big push. To see my company grow bigger and better than where I was from before that's a plus ...Show More
MG

Matthew G.

Dec 17, 2021

May or may not recommend

Thay are the best that really got me off to a fresh start without any thing bad credit

Showing 4 of 4 reviews

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