Goodbye bad debt.
Hello healthy capital.
Fast business financing for founders who are sick of predatory lenders and endless applications.
Fast Working Capital Loans
Our private working capital loan for small businesses who need fast and flexible funding.
Refinance Your MCAs
Payoff MCA debt and transition to stable monthly payments with our privately insured loan.
MCA to SBA Refi Package
Our signature loan package where we refinance you out of Merchant Cash Advance debt and prepare you for a second refi with SBA.
Exclusively healthy capital, even if it means saying no.
No MCAs. No factoring. No daily payments. Only fair funding, because no one should go bankrupt from one bad term sheet.
SBA Loans
The gold standard of small business debt. We simplify the notoriously tedious process and connect your with carefully vetted lenders.
Business Line of Credit
Flexible pay as you go credit for businesses looking for a cash cushion. Provided by our carefully vetted partners.
Term Business Loans
Traditional business loans provided by our established partner banks with proven track records.
Business funding at your speed, with a human in the loop.
It’s time to chat business with five simple steps.
Chat with a funding expert.
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No sales pitch, we give it to you straight.
See if you're eligible for funding in four minutes.
Check your eligibility for up to $5M in funding for SBA loans, MCA refinancing, working capital, and more.
Check EligibilityOur Fair Funding Promise
Real advice, clear options, and monthly payments you can live with.
We'll tell you if it's the wrong loan.
Even if it costs us the deal, we’re committed to finding the right capital. We never push a wrong loan and guide you to the best financing solution.
Your data stays yours
We don't sell your data to spammers or sharks. Period. No spam calls. No selling your info. Your business details stay between us, encrypted and secure.
No MCAs. No factoring.
No daily payments that kill cashflow. We won't trap you in predatory debt. If we wouldn't take the terms ourselves, we won't sell them to you.
Clear pricing. Clear process.
No runaround. You'll know exactly what you're paying and why. We'll explain what we need without the banking gibberish.
We're in it for the long haul.
We're not here to squeeze you dry and disappear. We're here to get you from MCA-trapped to SBA-ready.
Don’t take our word for it, see what business owners are saying
They turned complex financial challenges into smooth solutions — and made the process enjoyable.
Christopher McKenney
ChatBiz helped me when I needed clarity and gave great advice throughout the process.
Carlos de Varona
ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support. They’re true experts who got me the best structure for my financial goals.
Akhil Bhandare
Our minimum eligibility requirements
See our full product offeringsNot loan-ready?
Check out our resource explorer for startups and ineligible businesses
Frequently Asked Questions
For our loans you need 12+ months in business, $25K minimum annual revenue, and a credit score above 640. We fund businesses seeking $10K-$5MM. If you're currently trapped in a merchant cash advance, we specialize in refinancing you into healthier terms that cut your rate in half immediately. For startups and ineligible businesses, we have aggregated specialty financing, grants, and more in our Resource Database.
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All of our lending options have monthly payments to protect your cashflow.
• MCA Refinance terms: 12-120 months and rates from 18-35% APR
• SBA terms: 7-25 years with rates typically 7-14% APR
• Private working capital terms: 12-120 months and rates from 18-35% APR
• Traditional term loans: 2-14 years and rates from 7.5% - 25%
• Line of credit: Rates from 6%
Our private loans and MCA refinancing fund in 24-48 hours after approval.
• Eligibility and pre-qualification: 30 minutes
• Information gathering for underwriting: 1 hour
• Underwriting: 24-48 hours
• Approval and funding: 24-48 hours
• Estimated total time: around one week
SBA loans take 3-6 weeks due to government and banking requirements. We specialize in speeding up this process to keep it on the lower end provided you come prepared with your business documentation.
Partner Term Loans and Lines of Credit generally take 1-2 weeks depending on the provider.
Whatever grows your business: inventory, equipment, payroll, expansion, marketing, or refinancing bad debt. As long as the loan is used for explicitly business purposes it is eligible. The only hard restrictions come from SBA loans (no speculation or owner distributions).
We say no when a loan would harm your business. Most lenders optimize for yield. We optimize for business health. Our CEO, Javier Jorge, is an Executive Vice President in banking, a NAGGL board member, and a CDFI board chairman who has overseen more than $300 million in small-business lending. He has seen firsthand how predatory capital destroys otherwise viable companies. We refuse to trap owners in debt cycles. Our MCA refinance is a structured bridge from predatory terms to bank-ready financing within 12 months. No data selling. No hidden fees. No games.
See if you're eligible for funding in four minutes.
Check your eligibility for up to $5M in funding for SBA loans, MCA refinancing, working capital, and more.
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