Low-Rate SBA Loans Backed by the U.S. Government
Secure long-term financing with favorable rates and flexible repayment options for your small business.
Competitive interest rates
Funding in 24–48 hours
Ideal for expansion or refinancing
Find Out How Much You Qualify For
Low-Rate SBA Loans Backed by the U.S. Government
Secure long-term financing with favorable rates and flexible repayment options for your small business.
Competitive interest rates
Funding in 24–48 hours
Ideal for expansion or refinancing
Find Out How Much You Qualify For
Empowering Small Businesses Through Government-Backed SBA Loans
$95M+
Funded with SBA Support
2,900+
Businesses Approved Nationwide
75%
Average Guarantee from SBA
6+ Years
Flexible Terms for Growing Companies
Hear From Our Happy Clients
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Requirements to Qualify
It’s easier than you think to get approved for a Business Line of Credit. Our application process is built for business owners who need flexible access to working capital — simple, transparent, and fast. Here’s what you’ll typically need:
6+ Months in Business
$25,,000+ Monthly Revenue
Business Bank Account
500+ Credit Score
Requirements to Qualify
It’s easier than you think to get approved for a Merchant Cash Advance. Our application process is designed for business owners who need fast access to working capital — simple, transparent, and quick. Here’s what you’ll typically need:
6+ Months in Business
Your company should be operating in the U.S. for at least six months.
$10,000+ Monthly Revenue
A minimum average monthly revenue is required to ensure repayment capability through future sales.
Business Bank Account
All repayments are automatically deducted from your business bank account.
500+ Credit Score
A fair credit score helps verify your financial reliability, but approval is mainly based on revenue performance.
Requirements to Qualify
It’s easier than you think to get approved for a Working Capital Loan. Our application process is designed for real business owners — fast, simple, and transparent. Here’s what you’ll typically need:
6+ Months in Business
Required to demonstrate operational readiness and eligibility.
$25,000+ Monthly Revenue
Needed for official disbursements and financial reporting.
Business Bank Account
All repayments are automatically deducted from your business bank account.
500+ Credit Score
Entry-level score; SBA considers additional financial factors.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business..
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business.
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately.
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
Could an SBA Loan Strengthen Your Business Foundation?
Key Advantages
- Low interest rates and extended repayment terms.
- Partial government guarantee reduces lender risk.
- Excellent for startups and growing small businesses.
Key Challenges
- Longer approval and documentation process.
- Strict eligibility and usage requirements.
- May require collateral or personal guarantees.
Why Choose Chartered Merchant Partners?
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Fast Approvals
Get approved within hours — not days — with our streamlined application process.
Flexible Terms
Choose the repayment structure that fits your business cash flow.
Dedicated Support
Our funding experts guide you through every step — from application to success.
Transparent Rates
No hidden fees. No surprises. Just clear terms and honest funding
FAQs — Working Capital Loan
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
You generally need to show consistent business revenue, at least three months of operating history, and basic financial documentation. Credit requirements are more flexible than traditional bank loans.
Most businesses receive funding within 24 to 48 hours after approval, depending on the lender and how quickly documents are submitted.
You can use it for operating costs like payroll, inventory, rent, or to manage seasonal cash flow gaps — basically anything that helps your business stay on track.
No, the initial application uses a soft credit check, which doesn’t affect your score. A hard inquiry only occurs once you decide to move forward with full approval.
Smart funding for modern businesses.
Flexible options designed for real-world needs.