Features

Where does Wall Street Funding do business?

Wall Street Funding is a direct lender based in New York, NY. It was founded in 2009 and offers access to business loans in 50 states (and Washington, DC).

What are Wall Street Funding’s rates?

Wall Street Funding offers business loans with APRs starting from 7.9% and up to 45%.

Does Wall Street Funding charge an origination fee?

Yes, Wall Street Funding charges a loan origination fee. 

What limitations does Wall Street Funding set on the purpose of the loan?

Some lenders only provide business loans for certain purposes. Wall Street Funding offers considers loan applications for the following reasons:

  • Equipment purchase
  • New location
  • Product or service expansion
  • Working capital
  • Business debt refinance

What types of business loans does Wall Street Funding offer?

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

  • Unsecured term loans
  • Secured term loans
  • Merchant cash advances

Does Wall Street Funding charge a late fee?

No, Wall Street Funding will not charge you a late fee. Yes, Wall Street Funding charges borrowers with a late payment fee.

Does Wall Street Funding charge prepayment fees?

No, Wall Street Funding 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 Wall Street Funding?

Loan amounts start at $3,000 and go up to $1,000,000.

What is the maximum loan term you can get with Wall Street Funding?

Wall Street Funding offers business loans with terms ranging from 4 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 a loan with Wall Street Funding?

Applicants with a credit score of at least 300 can apply for a loan via Wall Street Funding.

Wall Street Funding requires businesses to be in business for at least 2 months in business. Active duty servicemembers and their covered dependents are eligible to apply for a loan via Wall Street Funding. Its rates and terms fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

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

  • Driver's license
  • Proof of income

What is the estimated funding time for a business loan via Wall Street Funding?

Wall Street Funding can approve (or deny) a loan application within 24 hours and fund business loans within 2 business days of approval.

  • Credit Score Range
    300 - 650
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Months in Business
    2
  • Minimum Revenue
    $10000
  • Verification Documents Required?
    • Business Formation Documents
    • Proof of Income
    • Driver License (or other photo ID)
  • No Prepayment Fee
  • Business Loan Type
    • ACH Cashflow Loan
    • Unsecured Term Loan
    • Secured Term Loan
    • Merchant Cash Advance
  • Intended Use of Funds
    • Business Debt Refinance
    • Equipment Purchase
    • Lease Improvements
    • New Location
    • Product or Service Expansion
    • Working Capital
  • Approval Speed (Hours)
    24
  • Funding Time Range (in days)
    Starting at 2
  • Loan Amount
    $3000 - $1000000
  • Loan Term Range (Months)
    4 - 36
  • APR
    7.9% - 45%
  • Max Loan Term (Months)
    36
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