Fast Pre-Approval Available

Fuel Your Business
With Smart Capital

Access $10,000 to $5 million in business funding with flexible terms, fast approvals, and a dedicated financing advisor by your side. Get pre-approved in minutes — not weeks.

Get Pre-Approved Now Explore Solutions
$5M+
Maximum Funding
24hr
Fast Approvals
500
Min. Credit Score
75+
Lender Network
One application — compare offers from 75+ lenders
75+ Lenders · One Application
$10K – $5M+ · Funding Range
Soft Pull Only · No Credit Impact to Check
Bank-Level · Security
Funding Solutions

One Application,
Multiple Offers

Shop between multiple financing products to find the perfect fit for your business needs and get the best possible deal.

Term Loans & Working Capital

Flexible funding for growth, cash flow management, or seizing new opportunities with fast approvals.

$10K – $5M6mo – 10yr Terms1–3 Day Funding

Business Line of Credit

Access revolving funds whenever your business needs them. Draw only what you need and pay interest on what you use.

$10K – $5MRevolving1–3 Day Funding

SBA Loans

Government-backed financing with lower rates and longer terms for established businesses ready to scale.

$10K – $5M10–25yr Terms30–45 Days

Equipment Financing

Get the machinery and technology your business needs without draining cash reserves. Fast, flexible terms.

$10K – $5M1–6yr Terms2–5 Day Funding

Invoice & AR Financing

Unlock cash tied up in outstanding invoices and purchase orders. Keep operations running smoothly.

$100K+Flexible Terms2–5 Day Funding

Merchant Cash Advance

Fast capital based on your sales when speed matters most — know the true cost before you sign with our calculator.

$5K – $500KSales-BasedSame-Day Possible
Why NexTier Funding

The NexTier Advantage

We combine smart technology with personalized service to make business financing clear, fast, and honest.

01

Fast Pre-Approval

Get pre-approved in minutes, not weeks. Our streamlined application takes just 5 minutes to complete.

02

Multiple Offers

Through our funding partner, one application is shopped across a network of 75+ lenders for the best available rate and terms.

03

Dedicated Advisor

A personal financing advisor from our partner network guides you through every step — from application to funding.

04

No Obligation

See what you qualify for with zero commitment. Checking your options won’t impact your credit score.

Simple Process

Funded in 3 Easy Steps

A streamlined process gets capital in your hands fast so you can focus on what matters — growing your business.

1

Apply in Minutes

Complete a simple online application. Just basic business info — no lengthy paperwork or hassle.

2

Review Your Offers

A dedicated advisor presents multiple funding options tailored to your business needs.

3

Get Funded

Choose the best offer, sign your agreement, and receive funds deposited directly into your account.

Start Your Application
Easy Requirements

See If You Qualify —
It’s Easier Than You Think

Qualification is simpler than most owners expect. No perfect credit required.

6+ Months in Business

Your business must have been operating for at least six months

$10,000+ Monthly Revenue

Demonstrate consistent monthly sales of at least $10K

500+ Credit Score

All credit profiles considered — perfect credit is not required

Check My Eligibility
Pre-Approved!$250,000
$250,000
Example qualification amount
Qualification StrengthStrong
1–3 Days
Funding Speed
6–120 Mo
Term Options
75+
Lender Network
5 Min
Application Time
Secure Process256-bit Encryption
Common Questions

Frequently Asked Questions

Everything you need to know about the business funding process.

Many funding products can deliver capital to your account in as little as 1–3 business days. The application takes about 5 minutes, and pre-approval can come within hours. SBA loans may take 30–45 days due to additional documentation requirements.
Lenders in the network work with all credit profiles, with minimums as low as 500. Even if your credit isn’t perfect, there are funding products designed for businesses in every situation.
Funding amounts range from $10,000 to over $5 million depending on the product and your business qualifications. Your advisor will help you understand exactly what you qualify for.
The initial pre-approval process uses a soft credit pull, which does not impact your credit score. A hard inquiry only occurs after you choose to move forward with a specific lender offer.
To get started you typically just need basic business information. Depending on the product and amount, you may later be asked for recent bank statements, proof of ownership, and tax returns.
Virtually every industry — restaurants, construction, healthcare, retail, e-commerce, trucking, manufacturing, professional services, and more. If your business has 6+ months of history and $10K+ monthly revenue, there is likely a funding solution for you.

Ready to Take Your Business
to the Next Tier?

Check your options in minutes and get pre-approved today — zero obligation, no impact on your credit score.

Apply Now — It’s Free
No impact on credit score
5-minute application
No obligation to accept