The SBA lender said no. Your business still has bills and opportunities. See deposit-based options with a 5-minute application and a soft pull.
See My OptionsAfter an SBA Decline
We focus on about three months of business bank statements instead of tax returns, projections and collateral, and we consider FICO 500+.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and recent statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is reviewed next to your deposits, rather than the stricter cutoffs many SBA lenders use.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out up front, so you can judge it against your cash flow and SBA plans.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
SBA-backed loans go through a lender that applies its own standards on top of the program's, and the process asks for a lot: tax returns, financial statements, projections, collateral details, and patience. A decline can come from any part of that package. It does not necessarily mean your business cannot carry financing. It means that lender, with that set of documents, said no.
Read your decline letter closely. Knowing which item drove the decision tells you what to work on and which kinds of funding make sense now.
Merchant Fund Express centers its review on your business bank activity. You apply in about 5 minutes, we start with a soft credit pull, and we ask for about three months of business bank statements. No tax returns are required. We consider FICO 500+. That does not mean every SBA decline turns into an offer here, because deposits, balances and existing obligations still carry weight. It does mean the deciding factors are different.
Our guide on options after an SBA decline goes deeper.
Some owners use working capital, a business line of credit, equipment financing, a merchant cash advance or revenue-based financing to handle a current need while they strengthen a future SBA application. If that is your plan, see funding to bridge to an SBA loan. Amounts range from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Short-term funding usually costs more than an SBA loan, so compare the full repayment amount in your offer before you accept. Apply here.
We review your credit and bank statements. A prior decline is not something we hold against you by itself; we look at what your business shows today.
No. We ask for about three months of business bank statements and a short application. No tax returns are required.
Usually not. SBA loans are often the lower-cost option when you can get one. Our offers show the full repayment amount up front so you can compare honestly.
Yes. Many owners work on the reason for the decline and reapply later. Keep in mind that new obligations will show up on a future application.
The application takes about 5 minutes, decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Whatever you do next, these steps help a future application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding