SMALL BUSINESS FINANCING

Small Business Loans Made Easy

Invest in your growth today. Expand your business, overcome liquidity challenges, and set your business up for long-term success.

Whether you're looking to expand your business, invest in new equipment, or simply prepare for unexpected challenges — Fluid is dedicated to finding a solution that works for you and your business.

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Business Financing Options

OUR PRODUCTS

OUR PROCESS

How Does It Work?

Dealing with finances can be overwhelming and stressful, so we work hard to make the process as simple and stress-free as possible.

Building your financial profile only takes minutes. You provide basic information about yourself, your business, and the product you’re looking for. We assess your current cash flow based on your provided bank statements.

Fill Out A Simple Electronic Application

STEP 1

Sit Back As We Prepare Your Funding Request

STEP 2

We ensure your business is presented accurately, so you can access the best financing options based on your financial profile, industry, and time in business.

Access A Large Network Of Banks & Lenders

STEP 3

Our system connects you to our vast network of banks and lenders, and aligns you with the most relevant offers based on your financing needs and financial profile.

You can electronically complete any additional data request and sign agreements within minutes. Most companies receive multiple options just hours after completing the process.

Choose A Loan Option & Get Funded

STEP 4

Your Business Funding Journey Starts Here

YOUR APPLICATION PROCESS

A quick video explaining our end-to-end financing process.

FAQ

What Can We Help Answer?

  • To apply for financing with Fluid, the applicant must be a signatory within the company, e.g. Owner, CEO or board member. The company must also be registered in and be active in the U.S.

    The minimum credit and business requirements are 550+ FICO score and 3 months in business.

  • At Fluid, the following business structures can apply for financing:

    • Business loans for Limited Liability Companies (LLC)

    • Business loans for Sole Proprietorships

    • Business loans for Corporations (Inc.)

    • Business loans for Limited Liability Partnerships (LLP)

  • The amount you can borrow for your business depends on several factors, such as your business revenue, credit score, and financial history. Additionally, the type of financing option you choose (such as a term loan, line of credit, or SBA loan) will also affect the amount you can borrow.

    To determine your borrowing capacity, you should speak with one of our financial professionals who can evaluate your business's unique circumstances and provide you with specific information on the financing options available to you. We consider your business's cash flow, expenses, and repayment ability before suggesting taking on any debt.

  • The best way to find out what terms your company qualifies for is to apply. Each business is different, and therefore we look at dozens of different data points that are specific to your business to assess the best possible terms available to you.

    Receiving loan proposals from us is 100% free and always non-binding.

  • The best time to apply for business financing is before you need it. In other words plan ahead. If your busy season is coming up, you might want to purchase inventory, hire seasonal workers, get new equipment. If you’re going into your slow season and your business isn’t generating as much in sales, you may want to apply for a loan to make improvements to your business. In this case it’s always better to apply before your slow season starts, as your financials will be stronger. Applying during your slow season may not give lenders a true picture of your business.

  • No. Applying with Fluid and receiving a loan offer only prompts a soft inquiry, which does not affect your credit score. There is no need to do a hard pull in order to see what your options are.

    For SBA loans you may receive a hard inquiry at the end of the process (if you choose to accept the offer). You would of course be notified about this prior to proceeding to make your decision.

  • Depending on what your business goals are and what you qualify for, Fluid may connect you with an SBA loan, Bank Term Loan, Line of Credit, Equipment Financing, or other types of funding options. You can read more about loan types under our products section.

  • Depending on the funding type for easy small business loans and partner you choose, you may need the following documents:

    • A completed application form

    • Your last 3 month of business bank statements

    • For equipment financing (in addition to the above):

    o A sales order, invoice, or a quote for the equipment

    • For SBA 7(a) Loans:

    o 2 years of personal and business tax returns

    o Year-to-date profit and loss (P&L) statement

    o Balance sheet

    o Information on existing debt

  • The time to receive funds will vary depending on the funding type and partner, but you can typically expect to receive funds as soon as the same day and up to 14 days (for SBA 7a loans).

  • Yes, even start-ups can get business loans.

    As a start-up company has less historical data to show, the documentation requirements are more extensive and includes:

    • Completed Application for all owners

    • Last 3 Personal Tax Returns (All partners)

    • Personal Financial Statement (PFS)

    • SBA Application (7a app)

    • Personal Debt Schedule

    • Business Plan

    • Resume (if not included in the business plan)

    • 24 Months of P&L Projections – (optional template if needed) https://www.score.org/resource/12-month-profit-and-loss-projection

    • Use of Funds

    • FDD & Franchise Agreement (if franchise)

    • Lease/LOI for rented locations