Small Loans
Whatever your small business financing needs may be, the expert team at KEYZ Capital is here to provide top-tier lending solutions, tailored to help your business grow and succeed.
What are Small Business Loans?
Small business loans provide quick and accessible funding for short-term business needs, helping business owners manage cash flow, cover unexpected expenses, and seize new opportunities. These loans offer fast approval, flexible repayment terms, and minimal documentation requirements, making them a great option for businesses that need capital without the long wait times of traditional financing.
The Benefits of Small Business Loans
Small business loans provide fast funding, minimal paperwork, and flexible repayment structures, making them ideal for businesses needing immediate financial support.
Low Loan Amount
Known for their low loan amounts, making them suitable for addressing immediate financial needs without taking on substantial debt.
Short-Term Repayment Period
Have shorter repayment periods, typically ranging from a few weeks to a few months, enabling borrowers to fulfill their financial obligations swiftly and avoid long-term debt.
Quick Approval and Disbursement
Have a reputation for quick approval and disbursement, with lenders offering simplified applications and minimal documentation requirements, allowing borrowers in urgent financial situations to access funds easily and rapidly.
Flexible Eligibility Criteria
Typically have more flexible eligibility criteria than larger loans, as lenders are often willing to extend loans to individuals with limited credit history or lower credit scores, enabling a broader range of borrowers to qualify and making small loans accessible to those who may not meet the strict requirements of traditional loans.
Quick Access to Funds
Offers borrowers quick access to funds, enabling them to promptly address immediate financial needs or emergencies through a streamlined application and approval process that ensures timely receipt of the required funds.
Flexible Repayment Options
Provides flexible repayment options, such as weekly, bi-weekly, or monthly payments, providing borrowers with the flexibility to choose a plan that aligns with their financial situation and making it easier to manage their repayment obligations.
Build or Improve Credit History
Successfully repaying a small loan can enhance an individual's credit history by demonstrating financial responsibility through timely payments, leading to improved credit scores and increased creditworthiness for future loan applications.
Accessible to a Wide Range of Borrowers
Have lenient eligibility criteria, allowing individuals with limited credit history, lower credit scores, or no collateral to qualify, making them accessible to a wider range of borrowers, including those who may struggle to obtain loans from traditional lenders.
Types of Small Business Loans
1. Short-Term Business Loans
Lump-sum financing repaid over a short period, ideal for covering one-time expenses or urgent financial needs.
Loan amounts up to $350,000
Repayment terms from 6 months to 3 years
Fixed or variable interest rates available
2. Business Line of Credit
A flexible financing solution that allows businesses to borrow only what they need and pay interest only on the amount used.
Credit limits up to $250,000
Funds available for withdrawal as needed
Only pay interest on what you use
3. SBA Express Loans
A government-backed small business loan offering faster approval times than traditional SBA loans.
Loan amounts up to $500,000
Lower interest rates compared to other small loans
Ideal for businesses with strong financials but needing fast access to capital
4. Invoice Financing
A solution that allows businesses to borrow against outstanding invoices, improving cash flow while waiting for customer payments.
Advance up to 90% of invoice value
No need for collateral
Great for businesses with long invoice payment cycles
5. Merchant Cash Advance (MCA)
Provides fast access to funds in exchange for a percentage of future credit card sales. Best for businesses with strong daily sales volume.
No fixed monthly payments
Quick approvals, typically within 24 hours
Repayment fluctuates with daily sales
Fuel Your Business Growth with Small Business Loans
Secure the funding you need to cover expenses, invest in growth, and maintain financial stability with fast approvals, flexible terms, and no long application process. Whether you need capital for inventory, payroll, or a business opportunity, our team at KEYZ Capital will guide you every step of the way.
🔹 Fast Prequalification 🔹 Expert Loan Guidance 🔹 Top Lender Network
Frequently Asked Questions about Small Business Loans
Here are some of the most common questions we receive about small business financing.
Covering operational expenses
Managing seasonal cash flow gaps
Purchasing inventory and supplies
Expanding marketing efforts
Hiring temporary or permanent staff
Loan amounts range from $5,000 to $350,000, depending on qualifications and loan type.
Interest rates vary by loan type and lender, but typically range from 6% to 30%
Many small business loans do not require collateral, but some may require a personal guarantee.
Many short-term loans and merchant cash advances are approved within 24 hours.
SBA Express Loans and traditional term loans may take 1 to 4 weeks.
SBA Express Loans: 640+
Business term loans: 600+
Merchant cash advances: 550+
Some small loans are available to startups, especially SBA Express Loans and alternative lenders.
Repayment terms vary by loan type, ranging from 6 months to 5 years.
Yes, many businesses use SBA Express Loans or term loans to consolidate and refinance debt.
We offer tailored financing solutions, expert guidance, and access to top lenders to ensure your business secures the best funding options.
Why Work with KEYZ Capital?
At KEYZ Capital, we specialize in securing small business financing for entrepreneurs and growing businesses. Our team has extensive experience navigating the lending process, ensuring you get the best terms with minimal hassle.
1
Fast Prequalification & Expert Guidance
We simplify the loan application process to help you secure funding quickly.
2
Access to Top Lenders
We connect you with a network of trusted lenders offering competitive terms.
3
Tailored Financing Solutions
We structure loans to fit your unique business needs and long-term success.
Loan Types & Products
Business Acquisition
Acquiring a competitor? Buying our a partner? Scaling your empire? We can help.
Working Capital
The quickest way to kill a business is to run out of cash. Let’s talk working capital to keep you alive and thrive.
Equipment Financing
Need any type of business equipment or machinery to operate your business. We can likely help finance it.