Finance Factory Business Loans

Finance Factory Business Loans

in Business Loans from Finance Factory


Finance Factory Business Loans


in Business Loans from Finance Factory

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Loan Amount $5,000 - $350,000
APR  (Fixed APR) 0% - 149%
Loan Term (Months) 36 - 120 months

Finance Factory Business Loans Review

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

Finance Factory Business Loans FAQ

What are Finance Factory Business Loans’s rates?

Finance Factory Business Loans offers a fixed APR business financing product that ranges from 0% APR up to 149% APR.

Does Finance Factory Business Loans charge an origination fee?

Yes, Finance Factory Business Loans charges a loan origination fee of 5% to 10% of the loan amount. Finance Factory Business Loans deducts the fee directly from your loan amount before disbursing loan proceeds, so make sure you take this fee into account when deciding how much you need to borrow.

What limitations does Finance Factory Business Loans set on the purpose of the loan?

Finance Factory Business Loans considers loan applications for business purposes, such as:

  • Business Debt Refinance
  • Equipment Purchase
  • Hiring
  • Inventory
  • Lease Improvement
  • New Location
  • Payroll
  • Product or Service Expansion
  • Technology Investment
  • Working capital

What types of business loans does Finance Factory Business Loans offer?

Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. Finance Factory Business Loans provides access to the following business loan types:

  • Unsecured term loans
  • Secured Term Loans
  • SBA Loans
  • Invoice Financing
  • Merchant Cash Advances
  • Commercial Real Estate
  • ACH Cashflow Loans
  • Bridge Loans

Does Finance Factory Business Loans charge prepayment fees?

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

How much can you borrow from Finance Factory Business Loans?

Loan amounts start at $5,000 and go up to $350,000.

What is the maximum loan term you can get with Finance Factory Business Loans?

Finance Factory Business Loans offers 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 Business Loans?

Finance Factory Business Loans does not require borrowers to have been in business for a minimum number of years. Businesses don't have to meet a minimum annual revenue to be considered.

Applicants with a credit score of at least 660 and up to 750 may be eligible for Finance Factory Business Loans.

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. Active duty service members and their covered dependents are eligible to apply for a loan via Finance Factory Business Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Finance Factory Business Loans. Permanent resident / green card holders are also eligible to apply. An uncommon feature is for lenders to offer their services to non-residents. Finance Factory is one of the few that does.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Business formation documents
  • Driver's license
  • Government issued photo ID
  • Proof of identity

What is the estimated funding time for a business loan via Finance Factory Business Loans?

Finance Factory Business Loans can approve (or deny) a loan application within 48 hours and fund business loans within 1 business day of approval.

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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.


About Finance Factory Business Loans

Message From Finance Factory

Finance Factory is a leader in the startup and alternative business funding spaces. Founded in 2006, Finance Factory has helped solve the challenge of early-stage business owners obtaining capital to acquire, launch or grow their small business. Over the past 12+ years, Finance Factory has successfully established over $1 billion in funding for entrepreneurs nationwide. Finance Factory has an A+ Accredited rating with the Better Business Bureau.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee  
Origination Fee (%) 5% - 10%
Credit Score Range 660 - 750
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Revenue $0
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Business Formation Documents
  • Government Issued Photo ID
  • U.S. Tax Identification Number
  • Recent Bank Statements
  • Driver License (or other photo ID)
Approval Speed 48 hours
Funding Time Range 1 - 3 days
Pre-Approved Soft Credit Inquiry  
Loan Amount $5,000 - $350,000
APR (Fixed APR) 0% - 149%
Loan Term 36 - 120 months

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