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✓ Business loans for established businesses

Get the funding your business needs to move forward.

Tell us a little about your business and we'll review your options. It only takes about 60 seconds to get started.

$15K+Monthly deposits
1+ yearIn business
FastPersonalized review
See your funding optionsStep 1 of 5

How much funding are you looking for?

Choose the amount you're looking for.

Please choose an amount to continue.

How long have you been in business?

Most of our programs are designed for established businesses.

Please choose an option to continue.

What are your average monthly deposits?

This helps us match you with the right program.

Please choose an option to continue.

What type of business do you own?

Select the industry that best describes your business.

Please choose your industry.

Where should we send your funding options?

A funding specialist will review your information and reach out.

Please complete all required fields with a valid email.
✓ No obligation✓ Business funding✓ Secure application
✓

Thanks — we received your request.

A Formula Funding specialist will review your information and contact you about your available options.

Funding made simple.

We help established business owners access working capital without turning the process into a long, complicated application.

01

Tell us about your business

Complete the short qualification form so we understand what you're looking for.

02

Review your options

Our team reviews your information and works to identify programs that fit your business.

03

Choose what works

We walk you through your available options so you can make an informed decision.

Three Programs. One Application.

Business funding programs for every stage of growth.

Explore the funding options Formula Funding can match you with based on your business, cash flow and goals.

Fast Funding
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Working Capital

Flexible capital for payroll, inventory, marketing, expansion, unexpected expenses and other business needs.

Amount$10K–$500K
Terms4–60 months
CollateralNot required
PrepaymentNo penalty
ReviewAs quickly as 1 business day
Final terms and approval depend on your business profile.
Draw as Needed
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Line of Credit

A revolving source of capital that lets your business access funds when unexpected costs or opportunities arise.

AccessRevolving
PaymentsBased on use
CollateralNot required
PrepaymentNo penalty
FlexibilityDraw when needed
Program availability and limits depend on qualification.
Equipment
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Equipment Financing

Financing designed to help businesses purchase equipment while preserving working capital for operations.

AmountUp to $250K
Terms24–60 months
UseBusiness equipment
Working CapitalMay be available
Industries900+ industries
Equipment approval depends on the business and purchase.

Questions? We've got answers.

How much can I qualify for?

Funding amounts depend on your business revenue, time in business, credit profile and other underwriting factors. Complete the quick form to discuss your options.

How long does the process take?

Timing varies by program and documentation. Once your request is submitted, a funding specialist can walk you through what to expect.

Do I need perfect credit?

Not necessarily. Programs and approval criteria vary, so our team reviews your overall business profile rather than relying on one factor alone.

Do I have to use collateral?

Program requirements vary. Your funding specialist will explain the terms and requirements associated with any option you qualify for.

Ready to see your funding options?

Take the first step. The application is short, and there's no obligation to accept an offer.

Check My Options →
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