SBA 7(a) Loans
The SBA's main loan program for working capital, expansion, equipment, refinancing debt, or buying a business.
- Best for
- Larger amounts, long terms, lower payments
- Typical profile
- 2+ years in business, documented revenue, strong credit
Business Funding
Funding that fits your business, not just any loan.
ECS matches your business to the right financing, from lines of credit and SBA loans to equipment and real estate. We prepare your funding package, guide your applications, and stay with you until you're funded.
Matched against 200+ direct lenders
Funding package prepared by an accounting firm
Consultation before anything is submitted
Funding from $5K to $2M+SBA loansLines of creditEquipmentReal estateWorking capital
Funding we offer
20+ funding programs for what you're building
We match your business to the lowest-cost funding it qualifies for. The stronger your profile, the better your rates and terms, and if you're not there yet, we'll show you what moves you up.
SBA 504 Loans
Long-term, fixed-rate financing for major fixed assets like owner-occupied commercial real estate and heavy equipment.
- Best for
- Buying property or major equipment
- Typical profile
- 2+ years, strong financials, down payment
SBA Microloans
Smaller SBA-backed loans for working capital, inventory, supplies, or equipment.
- Best for
- Smaller amounts on SBA terms
- Typical profile
- Documented revenue, solid credit
Term Loans
A lump sum repaid over a set term with predictable payments, for planned investments in your business.
- Best for
- Expansion, hiring, major projects
- Typical profile
- Established revenue, strong credit
Business Lines of Credit
Draw funds as you need them and pay interest only on what you use.
- Best for
- Working capital, seasonal swings
- Typical profile
- Steady revenue, strong business credit
Equipment Financing
Finance vehicles, machinery, and technology, with the equipment itself securing the loan.
- Best for
- Trucks, machinery, tech
- Typical profile
- Equipment quote, good credit
Revenue-Based Loans
Short-term working capital based on your recent bank deposits, usually repaid through automatic payments.
- Best for
- Fast working capital
- Typical profile
- 4–6 months of consistent deposits
Merchant Cash Advances
An advance repaid automatically from a percentage of your future card sales. Fast, but often the most expensive option.
- Best for
- Urgent needs, card-heavy businesses
- Typical profile
- Steady credit or debit card sales
Receivables Factoring
Turn unpaid customer invoices into cash now instead of waiting 30 to 90 days to get paid.
- Best for
- B2B businesses with slow-paying clients
- Typical profile
- Creditworthy customers, open invoices
Purchase Order Financing
Funding to pay suppliers so you can fulfill a large customer order or contract you've already won.
- Best for
- Large orders, government or retail contracts
- Typical profile
- Confirmed purchase order, reliable supplier
Asset-Based Lending
A working capital line secured by business assets such as receivables, inventory, or equipment.
- Best for
- Asset-rich businesses
- Typical profile
- Assets with documented value
Commercial Real Estate
Purchase, refinance, or bridge financing for commercial property, including options outside traditional bank requirements.
- Best for
- Buying or refinancing property
- Typical profile
- Property details, down payment or equity
Business Credit Cards
Matched across 240+ business credit cards from 30 providers, including cards with 0% introductory rates.
- Best for
- Operating expenses, building credit
- Typical profile
- Good personal credit
Vendor Credit Lines
Net-30 and revolving accounts from 3,000+ vendor credit providers that report to the business credit bureaus.
- Best for
- Supplies and inventory on terms
- Typical profile
- Business set up correctly, EIN, bank account
New Business Funding
For newer businesses without the history banks require: funding based on the owner's personal credit, through business credit cards and credit-builder accounts.
- Best for
- Businesses under 2 years old
- Typical profile
- Good personal credit, business set up correctly
Not bankable yet?
Build the business credit profile lenders look for with the ECS Business Credit & Fundability Program, and move up to lower-cost funding.
See the Business Credit Program →Typical profiles are general guidelines only. Every lender sets its own requirements, and approvals are never guaranteed.
How funding works with ECS
From application to funded, with a team behind you
01
Apply online
Tell us about your business and what you need. About 10 minutes, no credit check.
02
Funding consultation
We review your goals and profile with you and recommend the right funding options.
03
Prequalification
Your profile is matched against lender, credit card, and loan program criteria on our funding platform.
04
Funding package
We organize your financials, bank statements, tax returns, and business records the way lenders expect.
05
Apply & get funded
We guide your applications, answer lender requests, and review offers with you before you sign.
2-Minute Prequalification Check
See which funding you may qualify for
Answer seven quick questions. No credit check, nothing submitted. Your answers carry into the application if you continue.
Your funding snapshot
0/7
Answer all seven questions
Your likely funding matches will appear here.
General guidance only. Not a credit decision, offer, or guarantee of approval.
Get ready
What lenders will ask for
You don't need these to apply online. Start gathering them now and you'll be ready to move quickly after your consultation. You'll upload them securely, never by email.
Needed for almost all funding
- Government-issued ID for each owner with 20% or more
- Business bank statements, most recent 3 to 6 months
- Articles of Organization or Incorporation
- EIN confirmation letter from the IRS
- Voided business check
- List of current business debts and monthly payments
Often needed, depending on funding type
- Business tax returns, last 2 years (term, SBA, real estate)
- Personal tax returns, last 2 years (SBA, real estate)
- Year-to-date profit & loss and balance sheet
- Operating Agreement or bylaws, business license
- Equipment quote or invoice (equipment)
- Accounts receivable aging report (factoring)
- Purchase agreement or property details (real estate)
- Business plan and projections (SBA)
- Credit card processing statements (merchant cash advance)
- Customer purchase order or contract (PO financing)
Don't have current financial statements? ECS can prepare your bookkeeping, P&L, and balance sheet as part of your funding package.
Apply for funding
Start your funding application
About 10 minutes. No credit check and no documents to upload yet. After you apply, you'll book a funding consultation so we can review your options together before anything is submitted.
Step 1 complete · Application received
Now book your funding consultation, .
Your consultation is required before we match you with lenders. It's where we review your options, costs, and timeline together.
- Book your consultation using the button above. If you don't book, our team will reach out within one business day to schedule it.
- Start gathering documents from the checklist on this page. You'll upload them securely after your consultation.
- Get matched and apply. We prequalify you on our funding platform, prepare your package, and guide your applications.
Prefer to talk first?
Start with a funding consultation.
Not sure what you qualify for, or which funding makes sense? Talk it through with ECS before you apply for anything.
- Review your goals, revenue, and credit profile
- Find out which funding types fit, and which to avoid
- Understand costs, timelines, and what lenders will ask for
- Leave with a clear plan, whether that's funding now or building credit first
Mon–Fri, 9:00 AM–6:00 PM PST
Questions
Funding FAQ
Will applying hurt my credit?
No. This application and the prequalification check don't pull your credit. Some lenders run a credit check when you formally apply with them, and we'll tell you before that happens.
How much funding can I get?
It depends on your revenue, time in business, credit, collateral, and the type of funding. Your consultation and prequalification give you a realistic range before you apply anywhere.
How fast can I get funded?
Some options, like short-term working capital, can move in days. Term loans, SBA loans, and real estate financing take longer because they need more documentation. We'll match the option to your timeline.
Can a newer business get funding?
Yes. Businesses under two years old can often get funding based on the owner's personal credit, through business credit cards and credit-builder accounts. SBA and bank loans usually require 2+ years in business, and the Business Credit & Fundability Program helps you build toward them.
What's the difference between bank and alternative funding?
SBA loans and bank funding offer the lowest rates and longest terms, but require strong business credit, solid personal credit, and documented revenue. Alternative funding approves faster with more flexible requirements, at a higher cost. We match you to the lowest-cost option you qualify for and show you what it takes to move up.
What if my credit isn't great?
Some funding types weigh revenue and collateral more than credit. If your credit is holding you back, our partner firm ScoreMend handles personal credit repair, and the Business Credit Program builds your business profile.
What does ECS charge for funding services?
We review all costs with you on your consultation, and any ECS fees are agreed in writing before we begin. You'll always see a lender's rate, fees, and terms before you accept an offer.
Is ECS a lender?
No. ECS is an accounting and advisory firm. We prepare your business for funding, match you with lenders and programs, and guide you through applications. Lenders make all credit decisions.
Your next step
Let's find the funding your business is ready for.
Apply online in about 10 minutes, or start with a conversation.