The Credit Junction

in Business Loans

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The Credit Junction


in Business Loans

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Where does The Credit Junction do business?

The Credit Junction is a direct lender based in New York, NY. It was founded in 2014 and offers access to business loans in 50 states (and Washington, DC).

What are The Credit Junction’s rates?

The Credit Junction offers business loans with fixed APRs starting from 12% to 18%.

Does The Credit Junction charge an origination fee?

Yes, The Credit Junction charges a loan origination fee.

What limitations does The Credit Junction set on the purpose of the loan?

The Credit Junction considers loan applications for business purposes, such as:

  • Business Debt Refinance
  • Equipment Purchase
  • New Location
  • Product or Service Expansion
  • Technology Investment
  • Working capital

What types of business loans does The Credit Junction offer?

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

  • Secured Term Loans
  • Lines of Credit

Does The Credit Junction charge prepayment fees?

Yes, The Credit Junction charges additional fees to borrowers who pay off their 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 loan early.

How much can you borrow from The Credit Junction?

Loan amounts start at $500,000 and go up to $7,500,000.

What is the maximum loan term you can get with The Credit Junction?

The Credit Junction offers business loans with terms ranging from 6 to 24 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 a loan with The Credit Junction?

Applicants with a credit score of at least 300 can apply for a loan via The Credit Junction. The Credit Junction does not require borrowers to have been in business for a minimum number of years. Businesses must have a minimum annual revenue of $415,000.

Only U.S. citizens and permanent residents can apply for a loan. To qualify, applicants may need to provide the following documentation:

  • Business Formation Documents
  • Proof of Income
  • Proof of Residence

What is the estimated funding time for a business loan via The Credit Junction?

The Credit Junction can provide a credit approval decision in less than an hour and fund the loan within 14 business days.

SUPERMONEY Disclosure: 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...


  • Headquarters
  • 132 West 31st Street
    Suite 1301
    New York, NY 10001 USA
  • Visit Site


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

Credit Score Range
300 - 850
850 300
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Revenue
Verification Documents Required
  • Business Formation Documents
  • Proof of Income
  • Proof of Residence
Loan Amount
$500K - $7.5M
$25 $1M+
Loan Term (Months)
6 - 24
1 360
12% - 18%
0% 100%+

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