We find the loan your business qualifies for. Then we get it closed.
SBA, term, equipment, government partnership, and equity-backed programs, $25K to $5M+. One advisor reads your file, picks the two or three structures that fit, and stays on it until the wire lands.
Loan programs
Five ways to fund the next move.
Every business borrows for a different reason. We underwrite to the reason — and structure around it.
SBA Loans
Government-guaranteed 7(a), 504, and microloan programs. The lowest long-term cost of capital available to most small businesses.
Explore SBA loans →Term Loans
A lump sum with a fixed repayment schedule. Underwritten on cash flow, funded in days — built for owners who know their number.
Explore term loans →Equipment Financing
Trucks, machines, medical and kitchen equipment — the asset secures the loan, so younger businesses qualify and rates stay sharp.
Explore equipment financing →Government Partnership Loans
State and federal collaboration programs with below-market pricing for qualifying businesses. We run the eligibility check for you.
Explore partnership programs →Equity-Backed Financing
Unlock the equity in commercial property or the business itself for larger facilities at favorable pricing — without selling anything.
Explore equity-backed →Not sure which fits?
Answer three questions and we'll point you at the right structure. Takes 20 seconds, asks for no contact info.
Find your loan →
Why 1 Business Funding
We work the file. Marketplaces just forward it.
Loan marketplaces blast your application to forty lenders and let the phones ring. We do the opposite. One advisor studies your business, picks the structures that genuinely fit, and negotiates them in parallel.
- No credit pull at intake. Credit is checked only when you have an offer in hand and authorize it.
- $0 to apply, ever. We're paid by the lender at closing — never by the owner.
- Government program access. State and federal partnership desks most brokers don't touch.
- Honest fit checks. If your bank's offer is better, we'll tell you. We don't win by steering you wrong.
How it works
Application to wire, in four steps.
Do your homework first. We would too.
No forms, no email gates. These are the same tools our advisors use on first calls.
Payment calculator
Pick a program, set an amount and term, see the monthly payment and total interest before you talk to anyone.
Run the numbers →Find your loan
Three questions, one recommendation, plus a side-by-side table of every program we offer.
Get matched →Guides for owners
How lenders read bank statements, the full SBA checklist, term sheets decoded, and more. Written plainly.
Read the guides →Questions, answered
Credit pulls, costs, timelines, collateral, what happens after you apply. The FAQ covers what owners ask us most.
Read the FAQ →In their words
What owners say.
Our bank said twelve weeks for the SBA loan. 1 Business Funding had the same structure approved through a partner lender in twenty-six days — and a quarter point cheaper.
I needed two reefer trucks before peak season and had no time for paperwork theater. Applied Tuesday, trucks financed Friday. The rate beat the dealer's captive financing.
They found a state partnership program I'd never heard of and qualified us for it. Six-point-nine percent, ten years. My advisor still calls every quarter to check on the bakery.
