Term Loan
A one-time lump sum repaid over a fixed period, with a payment that never moves.
- Funding amount
- $10K – $1M
- Term
- Up to 24 months
- Starting rate
- From 6%
- Time to fund
- 1–2 days
80+ lenders, since 2010
Ask the awkwardquestions first.
Guardian Business Financing arranges capital for American small businesses through a network of 80+ lenders. Below are the questions worth asking before you borrow anything, answered without the sales voice.
- No credit pull to see offers
- No obligation
- Funded in 24–48 hours
- No application fee, ever
Start the application (844) 312-6337
A soft inquiry only, and no obligation to take anything that comes back.
No credit pullNot to see offers, and not to compare them
$1.5B+Capital deployed
10,000+Businesses funded
80+Lenders in the network
93%Approval rate
Before you borrow anything
The questions, answered without the sales voice.
How much can we borrow?
Between $5,000 and $2,000,000, depending which of the six programs fits. Five of them stop at $1,000,000 or below; only equipment financing reaches $2,000,000, and that is because the equipment itself secures it. What a particular business is offered comes down to revenue, how long it has traded and its credit profile — not to which box it ticks on a form.
How fast does the money actually arrive?
Most approved applicants have funds within 24 to 48 hours of signing. A short-term loan can land inside 24 hours; equipment financing takes two to three days, because there is an asset to document. The slow part is never us — it is whatever you have not sent yet. Three months of business bank statements, ready to attach, is the single thing that moves a file fastest.
Will applying hurt the business owner's credit?
No. Pre-qualification is a soft inquiry and does not touch a personal credit score. A hard pull only ever happens later, with your agreement, if you decide to proceed with a specific lender.
What does it cost, and what does Guardian make?
Rates start at 5% for equipment financing and 6% for a term loan, and rise from there with risk. Those are floors, not quotes: they describe the best end of what the network writes, and most businesses are offered something above them. The merchant cash advance is not priced in interest at all. It carries a factor rate of 1.1 to 1.5, which means you agree to repay between $1.10 and $1.50 for every dollar advanced, and clearing it early does not reduce that. At the top of that range it is the most expensive money on this site, and it exists because it approves businesses the other five decline. Nothing is payable to Guardian by the business, at any stage, whether you accept an offer or turn all of them down.
Do we qualify?
Typically: six or more months in business, $10,000 or more in monthly revenue, and a US business bank account. Requirements vary by product, and equipment financing is the most forgiving of a thin credit file because the asset secures it. A decline from one lender is not the end of it. The network sits at different points on credit, time trading and revenue, which is the whole reason for applying to 80 rather than one.
What happens after we apply?
One application goes to the network and comes back as a set of offers to compare, with an advisor who can explain what each one does to a normal month.
What will you need from us?
Nothing you do not already have.
The six
And the one question that resolves into them.
Amounts, terms and rates are Guardian's own published figures. Rates are the floor of what the network writes, not a quote.
Business Line of Credit
A revolving limit you draw on when you need it, paying interest only on what you take.
- Credit line
- $10K – $500K
- Term
- 6–12 months
- Starting rate
- From 8%
- Time to fund
- 24–48 hours
Best for cash-flow gaps, seasonal swings, emergency repairs →
Short-Term Loan
A fixed sum with a short payoff, for a cost that has already landed.
- Loan amount
- $5K – $500K
- Term
- 3–18 months
- Starting rate
- From 9%
- Time to fund
- 24 hours
Best for bridge financing, emergency expenses, inventory opportunities →
Working Capital
Money for running the business at the size it already is.
- Loan amount
- $5K – $500K
- Term
- 3–18 months
- Starting rate
- From 7%
- Time to fund
- 24–48 hours
Equipment Financing
Up to $2 million for machinery, vehicles and technology, secured on the equipment itself.
- Financing amount
- $10K – $2M
- Term
- Up to 84 months
- Starting rate
- From 5%
- Time to fund
- 2–3 days
Best for commercial vehicles, heavy machinery, restaurant equipment →
Merchant Cash Advance
An advance against future sales, repaid as a share of what comes in.
- Advance amount
- $5K – $500K
- Term
- 4–18 months
- Factor rate
- 1.1 – 1.5
- Time to fund
- 24–48 hours
Best for retail and restaurants, seasonal businesses, card-heavy revenue →
Amounts, terms and rates below are Guardian's own published figures. Rates are the floor of what the network writes, not a quote, and the cash advance is a factor rate rather than an interest rate.
What owners said afterwards
What owners said afterwards
“We were approved and funded in under two days. Guardian's team walked me through every offer so I knew exactly what I was signing.”
“Three banks passed on us. Guardian matched us with a line of credit that fit our seasonal cycle perfectly.”
“I needed equipment fast to take on a bigger contract. They had the paperwork done the same afternoon.”
From application to funded
Apply, compare, get funded.
A few minutes, then a day or two, and no credit pull at any point before you choose.
Step 01
Apply
A single form. No credit pull, no fee, no obligation, and no commitment to anything at the end of it.
Step 02
Compare
One application reaches 80+ lenders, and the offers come back together so they can be read side by side.
Step 03
Get funded
Sign what fits, or none of it. Funds usually reach the account within 24 to 48 hours of signing.
The application
Start the application
Six steps and a few minutes. A soft inquiry only, no fee, and no obligation to take anything that comes back.
Rather talk to somebody first? (844) 312-6337.