LogoQualify
Decisions in 48 Hours · No Collateral Required

Capital for
Main Street.

Drag the sliders. See your numbers now — before you fill out a single form.

Loan Estimator
$75K
$10K$500K
3Y
6 Months10+ Years
$25K/mo
$5K/mo$500K/mo
27%Approval

Estimated approval likelihood based on your inputs

Est. Monthly Payment

$3,760

Over 24 months

Rate Range

15.4% – 21.4%

Annual percentage rate

48-Hour Decision

Funds in your account

Estimates are illustrative only. Final terms subject to underwriting review.

Two columns on a spreadsheet.
Watch them diverge.

Side by side. Every dimension that matters to a Main Street operator.

Application Process
Traditional Bank vs Qualify
Traditional

Weeks of paperwork

Three visits to a branch, two notarized documents, five years of tax returns, and a loan officer who emails back in 5–7 business days.

Documents Required
14–22 forms
In-Person Visits
2–4 required
Application Time
6–12 hours
Collateral
Real estate or assets
Qualify

10-minute online form

Connect your business bank account, answer seven questions, and our engine runs the analysis while you refill your coffee.

Documents Required
3 items
In-Person Visits
Zero
Application Time
< 10 minutes
Collateral
None required
Approval Speed
Traditional Bank vs Qualify
Qualify

48 hours to funded

Our underwriting engine reads two years of transaction data in seconds. You get a decision by tomorrow morning and funds before the week is out.

Initial Response
Same business day
Full Decision
24–48 hours
Approval Rate (SMB)
~74%
Funding After Approval
1–2 business days
Traditional

90 days to "maybe"

After the committee meeting, the credit review, and the second appraisal, most small business owners hear back in 60–90 days — if they hear back at all.

Initial Response
5–7 business days
Full Decision
60–90 days
Approval Rate (SMB)
~27%
Funding After Approval
2–4 additional weeks
Funding Flexibility
Traditional Bank vs Qualify
Traditional

Rigid terms, rigid amounts

Banks set fixed loan amounts tied to collateral value. Need $75K but they'll only approve $50K? Start the process over.

Minimum Loan
$250K (most banks)
Term Flexibility
Fixed only
Use of Funds
Restricted by purpose
Draw Structure
Lump sum only
Qualify

Your business, your terms

From $10K equipment lines to $500K growth capital, with revolving credit, term loans, and revenue-based repayment structures designed for operators.

Minimum Loan
$10,000
Term Flexibility
6–60 months
Use of Funds
Unrestricted
Draw Structure
Lump sum or revolving
Early Payback & Rates
Traditional Bank vs Qualify
Qualify

Pay early, pay less

No prepayment penalties, ever. Pay off your balance early and we credit back unused interest. Your growth shouldn't cost you a penalty.

Prepayment Penalty
None
Rate Transparency
All-in rate upfront
Rate Range
8.5–34% APR
Rate Review
Every 90 days
Traditional

Prepayment penalties

Pay off early? Some banks charge 1–3% of the remaining balance as a prepayment penalty. Your success costs you money.

Prepayment Penalty
1–3% of balance
Rate Transparency
Hidden fees common
Rate Range
Prime + 2–8%
Rate Review
Annual only
Recently Funded Businesses
$120K

Riverside HVAC

HVAC Contractor · Memphis, TN

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$85K

Dulce Artisan Bakery

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Second location build-out
$200K

CoreStack Labs

SaaS / Tech · Austin, TX

Payroll bridge
$47K

Greenleaf Landscaping

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Equipment upgrade
$310K

Harbor Freight & Supply

Wholesale / Retail · Tampa, FL

Inventory expansion
$175K

Pinnacle Dental Group

Healthcare · Denver, CO

New operatory suite
$95K

IronClad Roofing

Construction · Nashville, TN

Crew scaling
$38K

Brightline Tutoring

Education Services · Atlanta, GA

Franchise expansion
$62K

Meridian Auto Repair

Automotive · Houston, TX

Lift installation
$55K

Saltbox Creative

Agency / Creative · Portland, OR

Studio renovation
$420K

NorthStar Freight

Logistics · Chicago, IL

Fleet expansion
$130K

Verdant Farm Supply

Agriculture · Tulsa, OK

Seasonal inventory
$120K

Riverside HVAC

HVAC Contractor · Memphis, TN

Fleet truck replacement
$85K

Dulce Artisan Bakery

Food & Beverage · Phoenix, AZ

Second location build-out
$200K

CoreStack Labs

SaaS / Tech · Austin, TX

Payroll bridge
$47K

Greenleaf Landscaping

Field Services · Charlotte, NC

Equipment upgrade
$310K

Harbor Freight & Supply

Wholesale / Retail · Tampa, FL

Inventory expansion
$175K

Pinnacle Dental Group

Healthcare · Denver, CO

New operatory suite
$95K

IronClad Roofing

Construction · Nashville, TN

Crew scaling
$38K

Brightline Tutoring

Education Services · Atlanta, GA

Franchise expansion
$62K

Meridian Auto Repair

Automotive · Houston, TX

Lift installation
$55K

Saltbox Creative

Agency / Creative · Portland, OR

Studio renovation
$420K

NorthStar Freight

Logistics · Chicago, IL

Fleet expansion
$130K

Verdant Farm Supply

Agriculture · Tulsa, OK

Seasonal inventory

$2.4B+

Capital Deployed

18,400+

Businesses Funded

48 hrs

Avg. Decision Time

74%

Approval Rate

4-Step Assessment

See What You Qualify For

No hard pull. No obligation. Results in 2 hours.

Step 1 of 50% Complete

Tell us about your business

We'll match you to the right product line.

No hard credit pull
No obligation
SOC 2 Compliant

Questions operators ask before they apply.

Straight answers. No banker-speak.

What's the minimum credit score to qualify?
We don't have a hard minimum. Businesses with scores as low as 550 have been approved when their revenue history is strong. Our underwriting model weighs 18 months of bank transaction data more heavily than a credit score.
How is this different from an SBA loan?
SBA loans are excellent for the right borrower — but they require 12+ weeks, significant paperwork, collateral, and a personal guarantee. Qualify is built for operators who need capital in days, not quarters. We're a complement to the SBA system, not a replacement.
Do I need to put up collateral?
No. For loans under $250K, we require no physical collateral. For larger facilities, we may ask for a general business lien (UCC-1 filing), but never a personal residence or personal assets.
What happens after I submit my application?
Our underwriting engine analyzes your bank data within minutes. A human underwriter reviews the output and issues a decision within 24–48 hours. If approved, you'll receive a term sheet with your rate, term, and payment schedule. Funds transfer within 1–2 business days of signing.
Can I pay off early without a penalty?
Yes — always. We charge no prepayment penalties on any product. If you pay off early, we calculate remaining interest on your actual payoff date and credit back anything prepaid. Your early success shouldn't cost you money.
What documents do I need to apply?
For most applicants: 3 months of business bank statements, a voided business check, and basic business information (EIN, legal name, address). We'll request additional documents only if underwriting requires them.
Is there a prepayment penalty if my business grows faster than expected?
No. We actually celebrate early payoffs — they're a sign we funded the right operator. There are no prepayment penalties, no exit fees, and no penalties of any kind for paying down your balance ahead of schedule.

Not Ready Yet?

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The 12-point checklist Main Street operators use to get approved faster — and for more capital.

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