Make the numbers work—fast decisions, clear terms. Financing

We offer consumer‑financing options for your program fee and business launch, through multi‑lender partnerships (subject to credit/income). Many providers advertise instant pre‑qualification, funding as soon as next business day, and rates starting around 4.99% APR with terms up to 60 months—actual offers vary by lender and profile. (Examples, not offers.)

Examples:

$25,000 over 48 months ≈ $587/mo @ 5.99% APR to $761/mo @ 19.99% APR (amortization math)
$4,800 over 24 months ≈ $221–$244/mo @ ~10–20% APR (amortization math)
(Your actual terms come from the financing provider.)

SBA‑aware planning (for the business itself): SBA programs often guarantee up to 85% for loans ≤$150k and 75% above that; maturities are commonly up to 10 years for working‑capital/equipment and up to 25 years for real‑estate (504). We’ll help you navigate lender conversations.% for loans ≤$150k and 75% above that; maturities are commonly up to 10 years for working‑capital/equipment and up to 25 years for real‑estate (504).

We’ll help you navigate lender conversations.

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Free Resources for Funding Your Business

1. Small Business Administration (SBA) Loans

SBA 7(a) loans are one of the most popular options for funding a startup or acquiring an existing business.

Borrow up to $5 million
Terms up to 10–25 years
Typically requires 10–25% down payment
Favorable interest rates for qualified applicants

2. Seller Financing (For Buying a Business)

If you’re acquiring an existing business, ask the seller to finance part of the deal. You’ll make payments over time — often with low interest and no bank involved.

✅ No upfront bank approval
✅ Flexible repayment terms
✅ Often combined with SBA loans

3. Personal Credit Cards or Lines of Credit

Many founders fund their first few months using available credit:

0% APR intro offers (12–18 months) available
Quick access without underwriting delays
Works well when paired with a clear repayment plan

✅ Use responsibly and with guidance from a financial advisor.

4. ROBS (Rollover for Business Startups)

Use your 401(k) or IRA to fund your business — without paying penalties.

No early withdrawal fees
No loan or repayment required
IRS-approved strategy for many founders

5. Maintain Current Employment

Keep your job while you build your business on the side. This is a low-risk funding strategy that gives you:

Steady income
Insurance and benefits
Time to validate and grow your business before going full-time

6. Traditional Business Loans (Bank or Credit Union)

Banks and credit unions offer small business loans — if you have strong credit and collateral.

7. Business Grants (Non-Repayable Capital)

Grants are free money for qualified applicants — but often competitive. Try:

Grants.gov – Federal small business grants
Hello Alice Grants – Diverse and minority business owners
U.S. Chamber of Commerce Small Biz Grants

8. Crowdfunding Platforms

Raise money from your network or audience online:

Kickstarter – Creative and product-focused
Indiegogo – Flexible campaigns
Wefunder – Equity crowdfunding

💸 9. Angel Investors & Revenue-Based Financing

Want to fund your business without taking a loan?

MicroVentures – Equity crowdfunding
Pipe.com – Revenue-based financing
SBA Capital Investment Programs

10. Community Development Financial Institutions (CDFIs)

CDFIs offer loans to underserved communities and new founders.

Accion Opportunity Fund – Minority and women entrepreneurs
LiftFund – Texas-based startup funding
Community Reinvestment Fund – National microloans

Bonus: Mentorship & Free Expert Help

Get advice, business planning, and startup coaching — for free.

SCORE.org – 10,000+ business mentors
SBA Local Assistance – Free business planning help
USA.gov’s Startup Guide

Need Help Choosing the Right Path?

There is no one-size-fits-all funding strategy. That’s why I help my clients choose the smartest path based on their financial history, credit score, income, and business model.

✅ Already have a job? Great — build while working.
✅ Have good credit? We can leverage that.
✅ Have savings? We’ll stretch it wisely.