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ExtraCreditLENDING MADE SIMPLE
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Fast Business Funding.
Zero Runaround.

ExtraCredit is a loan marketplace for established small businesses. Tell us about your business in about 60 seconds and see what you may qualify for.

Decisions in as little as 4 hours No impact to your personal credit score1

Decision time is what our primary lender publishes for its fastest cases. Yours may take longer. 1Applying does not affect your personal credit score. If you accept an offer, the lender may run a hard credit inquiry.

ExtraCredit by the numbers

$500M+
Funded
10+ Years
Experience
1,000+
Businesses Helped

How It Works

Three steps. See the details.

  1. Tell Us About Your Business

    Fill out a short form in about a minute.

  2. We Match You With a Lender

    We work through Kapitus, its lender network, and our own lender relationships to find a fit.

  3. Get Funded

    On some products, funding can arrive in as little as 24 hours after approval.

Funding Options

Match the product to the problem.

Small Business Term Loans

A lump sum with a fixed repayment schedule.

Business HELOC

Home equity, put to work in the business. Low rates, funded in days.

Business Line of Credit

A revolving limit. Pay interest only on what you draw.

Equipment Financing

Buy equipment and let the equipment secure the loan.

SBA Loans

Government-backed loans with long terms. Slower to get.

Invoice Factoring

Sell unpaid invoices for cash now.

Purchase Order Financing

Pay suppliers to fill a large confirmed order.

Working Capital Financing

Cover payroll, inventory, and cash flow gaps.

Not sure which is right? Apply and we will help you choose

Industries We Know

Every industry gets paid differently. Lenders read each one differently.

All industries

What Lenders Look For

The starting points across our marketplace. Know where you stand before you apply.

2+ years
in business
$250K+
annual revenue
600+
credit score

Estimate your funding amount

Some products differ. Equipment financing, invoice factoring, and SBA loans each have their own requirements. Meeting a minimum does not guarantee approval.

See What Your Business May Qualify For

No obligation. No impact to your personal credit score.1 About 60 seconds.

By submitting, you agree to our Terms and Privacy Policy and authorize ExtraCredit Loans to share your information with Kapitus and other lending partners to evaluate financing options. Submitting this form is not a credit application and does not guarantee approval.

1Applying does not affect your personal credit score. If you accept an offer, the lender may run a hard credit inquiry.

A straight answer. A fair shot.

ExtraCredit was founded on a simple belief: every business owner deserves a straight answer and a fair shot at funding.

With more than a decade in small business lending, we run a marketplace that works through Kapitus, its lender network, and our own lender relationships. One conversation reaches 50+ lending partners.

One application. Real options. A straight answer either way.

How we get paid, and who we work with

Know Three Numbers Before You Sign

Every offer, from any lender, comes down to these. Get all three in writing before you accept.

Your rate

  • A factor rate multiplies what you borrow. $100,000 at 1.30 pays back $130,000.
  • An interest rate is charged on the balance you still owe, so it falls as you pay down.
  • Ask which one your offer uses.

Your payback term

  • How long you have to repay, and whether payments are daily, weekly, or monthly.
  • The same payback over a shorter term means bigger payments and a higher cost per year.
  • Ask what paying off early saves you.

Your origination fee

  • Taken out before the money lands, or added to the balance.
  • A 3% fee on $100,000 means $97,000 arrives and you repay on $100,000.
  • Ask for the all-in cost in writing, not just the rate.

How factor rates convert to APR What paying off early saves

Common Questions

Is ExtraCredit Loans a direct lender?

No. ExtraCredit Loans is a loan marketplace. We act as a broker: we connect your business with lenders. The lender makes the credit decision and provides the money.

What do I need to qualify?

Across our marketplace: 2 years in business, $250,000 in annual revenue, and a credit score of 600 or higher. Floors run from 600 to 680 depending on the lender: some lenders look at 600 to 640, and our primary lender approves at 680 and above. Some products have different requirements, and meeting a minimum does not guarantee approval.

How fast can I get funded?

On term loans and lines of credit, our primary lender reports decisions in as little as 4 hours and funding in as little as 24 hours. SBA loans take weeks to months.

Will my offer be a loan?

Not always. An offer can come as a loan or as revenue-based financing, which is a purchase of future sales and not a loan. The agreement says which one it is. Compare either on total payback and APR.

Does it cost anything to apply?

We do not charge you a fee to apply. If a financing closes, the lender may pay us a commission. Your financing agreement lists every cost you pay.

Will applying affect my credit?

No. Applying does not affect your personal credit score. If you accept an offer, the lender may run a hard credit inquiry before funding.

Do I have to accept an offer?

No. You can walk away from any offer at any point before you sign a financing agreement.

Ready to Grow? Let's Talk.

Apply Now Text Us: 724-397-0192