Business loan eligibility checker
We may earn a fee from partner links.
Full disclosure below.
Answer five quick questions to see which types of business financing often fit a profile like yours. Free, no credit check, and not an approval.
How this checker works
It compares your answers with the patterns lenders often look at: time in business, revenue, credit, industry and use of funds. Results are labeled often a fit, possible fit, or less common fit. To estimate payments, try the business loan calculator. Weighing a cash advance? Use the MCA cost calculator.
Frequently asked questions
Does this eligibility checker affect my credit?
No. The checker runs in your browser and never asks for your Social Security number or pulls a credit report.
Does a good result mean I am approved?
No. The results show which loan types often fit a similar profile. Lending Gurus does not lend or approve loans. Matched partners make the final decision.
Why does time in business matter so much?
Lenders use time in business as a sign of stability. Newer businesses often have fewer options, while revenue based products like invoice financing or a cash advance lean more on current sales or receivables.
How fast can I get funded?
It depends on the product and the partner. Some fund within 24 to 48 hours of approval, while SBA loans take longer. Speed is never guaranteed.
How we make money
Lending Gurus compares options and doesn’t lend. We may earn a referral fee when you apply through our links, but no lender pays for a review or a score, and partner status never changes one. Advertiser disclosure.