SBA Loan Options for Business Owners Denied by SBA

We help small business owners get funded — including the ones the SBA turned down. We're not a lender. We're a matching service that connects your business with the right alternative lender from our network, then walks you through the application end-to-end.

The most common reasons are: low personal credit score (under 650), insufficient time in business (under 2 years), limited collateral, weak cash flow (debt service coverage ratio under 1.15), past business bankruptcy, or operating in an SBA-restricted industry (gambling, lending, religious, multi-level marketing, etc.). Each of those has alternative lenders that apply different criteria — that's where we come in.

No. We are a private business loan matching service, not affiliated with, endorsed by, or part of the U.S. Small Business Administration. The SBA is a federal agency. We help business owners explore both SBA loans and non-SBA alternatives — particularly when the SBA path doesn't work out.

Free for borrowers. We're paid by the lender on funded loans, not by you. There's no application fee, no consultation fee, and no obligation to accept any offer we present. You can walk away from any quote at any stage.

Our instant quote tool gives you a funding range in under 60 seconds based on your monthly revenue and loan purpose. A full pre-qualification (with bank statements) takes 2 minutes and gets you an actual lender match — typically within 24 hours.