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Small business loans,
made easy

One form. Real offers. No pressure. Borrower
connects you to funding that fits your business.

Why do small business owners apply for loans?

Small business loans help cover common challenges—like cash flow gaps, emergency repairs, or the need to restock fast. Many business owners apply for funding to keep operations running, invest in growth, or handle the unexpected.

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Can't cover payroll

Many small businesses struggle to make payroll when cash flow is tight.

Equipment broke

Broken equipment can halt business—and emergency funds aren’t always there.

Emergency repair needed

It’s not uncommon for small businesses to need a fast repair—and no budget for it.

Need better equipment

Many business owners delay upgrading equipment that could increase revenue.

Inventory ran out

Without financing, restocking inventory can be a major challenge.

Can't pay rent

Some business owners fall behind on lease or rent when revenue dips or expenses are high.

That’s why we make borrowing easy

Borrower is a borrower-first platform—built to help you get the funding you need, when you need it. Funding that works for you, not against you.

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How do small business loans work with Borrower

Small business loans help business owners get fast access to funding—without the hassle of banks or endless paperwork. With Borrower, it only takes a few clicks to see offers from real lenders.

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Step 1

Tell us about your business

Fill in our simple form in only a couple
of minutes.

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Step 2

Get matched instantly and choose what fits

We show you real funding opportunities—ranked and ready to compare. Pick what fits your needs.

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Step 3

AI helps you through (literally) everything

Our AI chatbot explains your options, rates, and if a loan truly makes sense for you.

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Step 4

Accept & receive your money

Accept your offer and receive funds—our lending partners often send funds in just 24–48 hours.*

Small business lenders we might match you with:

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How big of a small business loan can I get?

Answer a few quick questions to see what real loan offers your small business might qualifies for.

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Business loans made for your industry
Whatever your business does, there’s funding that fits. Explore small business loans tailored to different industries—from restaurants to contractors and more.
Restaurants & cafés
Keep up with repairs, staffing, equipment, or seasonal slowdowns without breaking a sweat.
About restaurant loans
Retail & ecommerce
From inventory restocks to online upgrades—get flexible funding to fuel more sales.
About retail loans
Agencies & services
Say yes to more client work with funding that helps cover staff, tools, or cash flow gaps.
About agency loans
Freelancers & creatives
A loan can help when payments are late, gear needs replacing, or you need to invest in a new project.
About freelancer loans
Construction & trades
Buy materials, cover payroll, or take on larger projects with working capital that works.
About contractor loans
Salons & wellness
From new chairs to last-minute repairs—fund upgrades and stay ready for every client.
About salon loans
More small business types we support
We support dozens of industries—tap to see more small business types we work with.
View more industries
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Benefits of small business loans

Below are some of the benefits of using Borrower for your small business loans.

Compare real offers side by side

Compare real offers side by side

We show multiple loan options up front, so you can pick what works best.

Automatic follow-up

Automatic follow-up

Some lenders respond later. We’ll notify you if more offers become available.

Built for small business owners

Built for small business owners

No investor decks. No suits. Just simple funding made for people like you.

One form, multiple offers

One form, multiple offers

Fill a single application. We match you with real small business lenders, you pick the one that fits.

No impact on credit

No impact on credit

Prequalification uses a soft pull, it won’t affect your credit score.

No commitment

No commitment

You’re free to compare offers and walk away, it’s entirely up to you.

Small business loan FAQs

Frequently asked questions about small business loans.

What is a small business loan?

A small business loan is funding you can use to cover expenses, grow your business, or handle unexpected costs. Some loans are short-term, others longer-term—it depends on your business needs and what you qualify for.

Can I qualify if my business is new?

Will checking offers affect my credit score?

How fast can I get the money?

What can I use a small business loan for?

What do I need to apply?

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Borrower.com is not a lender. Loan availability and terms are determined by our lending partners. Rates, approval, and funding timelines may vary based on your business profile and lender availability.