F Funding Routes See your options

Business Capital · 6 min read

Your business is ready to grow. Your bank just doesn't agree.

A profitable shop gets declined. A founder with a signed contract gets declined. It is not a judgement on the business, it is a checklist. Here are the four funding routes owners are using instead, and how to find out which one you qualify for.

Check what you qualify for Free to ask. No obligation.
  • $50K–$500K+Start-up capital at 0% interest
  • Up to $5MRevenue financing, often inside 24 hours
  • $100K–$50MReal estate financing

Why good businesses get told no

Bank underwriting was not built to reward momentum. It rewards history. So the same three things keep showing up on decline letters:

  • Not enough time in business. Two great years still loses to a rule that says three.
  • The wrong kind of collateral. Inventory, equipment and contracts rarely count the way a building does.
  • A file that looks thin. Strong personal credit, no business credit profile built behind it.

None of that means the money is unavailable. It means the bank branch is the wrong door. Newhall & Dunn LLC works with business owners across the country to find the right one, with capital provided through National Corporate Credit.

Four routes to funding

Each one suits a different stage. Find yourself below.

Route 1

Start-up funding

$50K to $500K+ at 0% interest

Capital built on your credit strength rather than on years of revenue history. Built for the owner who is opening the doors, buying the first round of equipment, or funding a launch.

Fits: new businesses, franchise buyers, side projects going full time.

See if you qualify →
Route 2

Revenue financing

Up to $5,000,000 often in under 24 hours

If money is already moving through the business, that cash flow is the qualifier. Useful when a large order, a payroll gap or a seasonal swing will not wait for a 60 day process.

Fits: trading businesses with steady deposits that need speed.

See if you qualify →
Route 3

Real estate financing

$100K to $50 Million

Acquisition, refinance, bridge and build. For owners and investors whose next step is a property, not a product line.

Fits: investors, developers, owner-occupiers buying their own premises.

See if you qualify →
Route 4

SBA financing

$500K to $5 Million+

Longer terms and lower payments when the timeline allows it. The paperwork is heavier, which is exactly why having someone package it for you matters.

Fits: established businesses expanding, acquiring, or refinancing costly debt.

See if you qualify →

How it works

  1. Tell them about the business. What you do, roughly what comes in, and what the money is for. A short conversation, not a mortgage application.
  2. Get matched to the right program. The point of a funding partner is that one declined file does not end the search. Different programs, different criteria.
  3. Get funded and get back to work. Timelines vary by product. Revenue financing can move in a day, SBA takes longer by design.
Start with step one
Bonus route

Not looking for capital yourself?

There is a referral side to this. If you already talk to business owners for a living, accountants, brokers, consultants, realtors, coaches, you are sitting on introductions that are worth money. The partner program pays commission on funded referrals, with earning potential quoted at $250K+.

You are not underwriting anything or giving financial advice. You make the introduction, the funding team does the work.

Look at the partner program

Questions owners ask first

Does it cost anything to find out what I qualify for?

Asking costs nothing and puts you under no obligation. You find out which programs fit before you decide anything.

My business is brand new. Am I wasting my time?

No. Start-up funding exists precisely because revenue history does not exist yet. It leans on credit strength rather than years of trading.

How fast can money actually arrive?

It depends entirely on the product. Revenue financing is the fast lane and can move in under 24 hours. SBA and real estate run on longer timelines.

Is my credit good enough?

There is no single cut-off across four different programs, which is the advantage of looking at all of them at once. Approval, amounts and terms are always decided by the funding source.

Is this a grant?

No. These are funding and financing programs with real terms. The 0% figure on start-up capital refers to an introductory period, not to free money.

The worst answer you can get is the one you already have.

You know what the business could do with the capital. Two minutes tells you whether it is on the table.

Check your funding options

Opens the funding team's official page.