The Credit Junction

Out of Business

The Credit Junction

in Business Loans from The Credit Junction

Out of Business

The Credit Junction

in Business Loans from The Credit Junction

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Loan Amount $500,000 - $7,500,000
APR  (Fixed APR) 12% - 18%
Loan Term (Months) 6 - 24 months

The Credit Junction Review

The Credit Junction is a business financing offering by The Credit Junction, based in New York, NY. Founded in 2014, The Credit Junction offers access to business loans in 50 states (and Washington, DC).

The Credit Junction FAQ

What are The Credit Junction’s rates?

The Credit Junction offers a business financing product that ranges from 12% APR up to 18% APR.

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
  • Lease Improvement
  • 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 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 to be considered.

When it comes to credit scores, The Credit Junction doesn't have a set minimum or maximum. People with all types of credit can apply.

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 The Credit Junction. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by The Credit Junction. Permanent resident / green card holders are also eligible to apply.

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

  • Proof of income
  • Business formation documents
  • 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.

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

About The Credit Junction


  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
Employment Statuses Considered Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Revenue $415,000
Verification Documents Required
  • Proof of Income
  • Proof of Residence
  • Business Formation Documents
Funding Time Range Starting at 14 days
Loan Amount $500,000 - $7,500,000
APR (Fixed APR) 12% - 18%
Loan Term 6 - 24 months

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