Access to funding shouldn’t hold your business back. Whether you need capital for equipment, payroll, inventory, or expansion,

Lending Valley makes it faster and easier to get the money you need, without the long wait times and rigid requirements of traditional banks.

Thankfully, there are more small business loans and small business lending opportunities available today than ever before as well.

Traditional lenders (legacy institutions like banks, credit unions, and the Small Business Administration), as well as nontraditional lending approaches, provide entrepreneurs today almost unlimited access to the cash and capital they need when they need it most.

Financing Your Business – The Basics of Small Business Loans

Think about that for a minute.

Three out of every ten businesses are going to go belly up eventually because they flat out run out of money.

On top of that, 45% of all business owners in the United States do not know that they have a “business credit score”.

Thankfully, small business loans today are more accessible and a lot easier to understand than ever before.

Finding the right loans remains critical, though.

What We Offer

Term Loans

Borrow a fixed amount and repay over time at predictable terms. Best for business growth projects, renovations, or large purchases.

SBA Loans

Government-backed SBA loans provide longer repayment terms and lower rates. Ideal for businesses that qualify, including veteran-owned businesses.

Business Line of Credit

Draw funds when you need them, repay what you use, and keep cash flow steady during slow seasons.

Equipment Financing

Use your business equipment as collateral to access affordable financing.

Invoice Financing

Convert unpaid invoices into immediate cash so you don’t have to wait on slow-paying clients.

Loans Available Even With Bad Credit

If you’ve struggled with financing before, you’re not alone. Many small businesses face challenges getting approved with traditional banks. At Lending Valley, we consider more than just your credit history.

That means you may still qualify for small business loans with bad credit history, giving you the chance to stabilize and grow.

Tools and Support

• Loan calculators: Easily estimate repayment amounts and compare loan options.

• One-on-one guidance: Our team helps you understand which loan type fits your business best.

How We Compare to Banks

Traditional banks like Chase or Truist often require years of operating history, high credit scores, and collateral. We know many small businesses can’t meet those standards, so we built a faster, more flexible process.

• Approvals in 24–48 hours

• Funding up to $5 million

• Flexible qualification criteria

• Available nationwide, including Florida and Ohio

How to Apply for a Small Business Loan

Getting funded with Lending Valley is designed to be simple and fast. Here’s how it works:

1. Apply Online

Fill out a short application form on our website. Tell us about your business, the amount you’re looking for, and how you plan to use the funds.

2. Review & Match

Our team reviews your application and matches you with the best loan option — whether it’s a term loan, SBA loan, line of credit, or invoice financing.

3. Get Approved

Unlike banks that take weeks, we provide decisions within 24–48 hours. Even if you have a bad credit history, we’ll work with you to find a solution.

4. Receive Funds

Once approved, funds are deposited directly into your business account — often within a single business day.

5. Grow Your Business

Use the capital for payroll, equipment, expansion, or to smooth out cash flow. Our flexible terms make repayment straightforward and predictable.

Lending Valley – Small Business Loans FAQ

1. What documents do I need to apply?

We keep documentation simple. Typically, you’ll need a valid ID, recent bank statements, and basic business information. In most cases, no lengthy business plans or extensive paperwork are required.

2. What credit score do I need to qualify?

We don’t rely only on credit scores. Even if you have a bad credit history, you may still qualify based on your business performance and cash flow.

3. How long does the loan approval and funding process take?

Approvals can be made in as little as 24–48 hours, and funds are often deposited the next business day.

4. What are the interest rates and fees?

Rates vary depending on loan type, amount, and business profile. We’re transparent about costs and provide all details upfront before you commit.

5. How much can I borrow?

We fund anywhere from $5,000 up to $5 million, depending on your business needs and eligibility.

6. What loan types are available?

We offer term loans, SBA loans, business lines of credit, equipment financing, invoice financing, and merchant cash advances.

7. Can I get a loan if I have bad credit?

Yes. We look beyond credit scores and focus on your overall business health, so many clients with poor or limited credit histories are approved.

8. Do you offer loans for veterans?

Yes. We proudly support veterans and provide small business loans for veterans with flexible terms.

9. Do I need collateral or a personal guarantee?

Many of our loans are unsecured, meaning no collateral is required. Some products, like equipment financing, may use equipment as security.

10. Is there a minimum time in business required?

Not always. While some loans are better suited for established businesses, we also provide funding options for startups and newer businesses.

11. Are your loans available nationwide?

Yes. Lending Valley serves businesses across the U.S., including Florida, Ohio, and all other states.

12. Do you provide loan calculators?

Yes. We offer small business loan calculators so you can estimate repayment terms before applying.

13. What happens if I can’t repay?

If repayment becomes difficult, we encourage you to contact us early. We work with business owners to explore solutions rather than resorting immediately to collections.

14. How do SBA loans work with Lending Valley?

We connect you with government-backed SBA loans that offer lower rates and longer terms. They can take longer to process, but they’re ideal for many businesses, including startups and veterans.

15. Are there hidden fees?

No. We’re committed to transparent pricing. You’ll always know your repayment terms and fees before signing.

Get a Quote

Get a FREE quote now! All you need to do is provide your details in the application form.