Available for Both U.S. and Canadian Businesses

1BusinessLoans.com is a catalyst for small business development. We assist all types of small businesses at almost every stage of their development. Serving as a nontraditional financing source for existing businesses, whose financial needs are under served by traditional lending institutions.

Our Lending Programs:

Small Business Loans
All credit considered, limited paperwork,90% approval. Get funds in 4-5 business days. >>Learn More.

Merchant Cash Advances
No fixed payments or collateral required. >>Learn More.

Equipment Loans
Qualify for an equipment loan towards computers, vehicles, machinery or supplies >>Learn More.

Modified Line of Credit
No restrictions. Pay what you take >>Learn More

Term Loans
Loans as low as 5.99%, terms up to 5 years with monthly payments >>Learn More

Secured Business Loans
>>Learn More


Small Business Loans

These loans are generally for businesses that need to purchase inventory, buy materials, and expand or as a cash bridge for operating capital, or any other situation that requires a quick infusion of cash.
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Merchant Cash Advances

These are typically for businesses that except credit cards as payment. With no fixed payments, a lot of merchant prefers this option.
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Equipment Loans

This is an alternative to the expensive time consuming process of equipment leasing. With this option you will actually own the equipment you need and there is no deposit required.
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Modified Line of Credit

This quick and easy option allows you to take a percentage of your approval amount at a time. Pay only what you take!
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Term Loans

5.99% APR Business Expansion Loan
Up to $500,000
Two, three, four and five year terms.

All of the benefits of a bank loan.

None of the hassle.

Fixed interest rates starting as low as 5.99%. Pricing depends on a variety of factors, including your past payment history, outstanding indebtedness, extent of credit history, industry you operate in, and profitability.

These loans have fixed principal and interest payments that are conveniently debited from your account twice a month. These loans have no pre-payment penalty.

Pricing depends on a variety of factors, including your past payment history, outstanding indebtedness, extent of credit history, industry you operate in, and profitability.
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Secured Business Loans

Business Cash Flow & Asset-Based Daily ACH

As we all know, the industry standard in the alternative lending ACH industry is to lend a borrower unsecured capital at around 50-70% of their monthly average gross deposits. Through our cash flow & Asset-Based (collateral) program, we are able to provide borrowers TWICE as much capital going secured up to 150% of business monthly cash flow. So a borrower doing $100k a month can NOW get $150k over 6-12 months. This requires a minimum $10,000.00 average per month business cash flow.

BLOC (Revolving – Business Line Of Credit)

The BLOC product has really taken the industry by storm. This product allows a borrower (or anyone they know) to leverage residential and commercial real estate, vacant land, and titled personal assets, as well. The borrower will only pay interest-only on a daily basis (daily ACH). This allows the borrower to gain access to up to 4X their monthly revenue. In most cases, the real estate must be free and clear due to the 50% CLTV qualification of this product. However, if there is sufficient equity, we have no problem going behind a first, in second position or 3rd, 4th etc. as long as we are within 50% CLTV. So now a borrower doing $100k a month can now borrow up to $400k on an interest-only line of credit. The line of credit stays open for up to 2 yrs. The borrower must draw the whole line of credit initially, but may pay it back in full after 30 days. There is no prepay or no additional documents needed ever again for 2 yrs. (Some start-ups OK). This requires a minimum $10,000.00 average per month business gross revenue.

Highlights of BLOC:

  • NO upfront fees! NO out of pocket expenses ever!
  • All 50 states – U.S. businesses only
  • Revolving business line of credit
  • NO MINIMUM CREDIT SCORE required to qualify
  • Requires a minimum $7,500 average per month business cash flow
  • Last 6 months consecutive business bank statements
  • Receive funding in as little as 5 – 7 business days
  • Two (2) year term
  • Small interest-only payments each business day – daily ACH – NO large monthly payment
  • At least 3 months in business

Premier A+ Product

As we know, often we run across a borrower who just won’t pay the outrageous rates of alternative lending, however, they won’t be approved nor have time to apply for an SBA. So we went out and created our Premier A+ Product. This product is a traditional 20-40% APR product with a Bi weekly or Monthly payment. The loan terms range from 1-3 yrs. based on borrower’s wishes and their ability to make the payments. These products typically fund in 10-14 days depending on borrower’s cooperation. Required documentation is  – last 2 years business tax returns, YTD P&L, last 12 months of business bank statements, and last year personal tax return. Collateral will be very helpful in gaining a much larger loan amount, however, the collateral does NOT need to cover the entire loan amount.

Highlights of Premier A+:

  • All 50 states – U.S. businesses only
  • Loan amounts from $100,000 – $2,000,000
  • 720+ FICO
  • NO Bankruptcies, Judgments, Tax Liens, NSFs, or negative balances
  • Allow 3 – 5 days for pre-Approvals
  • 7 – 15 day funding(business days)
  • Loan terms of 1 – 3 years
  • Bi-weekly and monthly payments
  • 24.99% – 34.99 % traditional APR


  • Over 20 different programs available
  • Most of our loans are tax deductible
  • 100% unsecured
  • No collateral needed
  • Build business credit
Equal Credit Opportunity Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The agency that administers compliance with this law concerning creditors is: Comptroller of the Currency-Compliance Management Division-Washington, DC 20219 Terms and conditions subject to change. Denials may be appealed in writing within 10 days

Download PDF of 1BusinessLoans.com Services Brochure

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