Business Loans and Financing
Our goal is to work with you to get you approved within 48 hrs and then get you funded within 3 days. There is no obligation on your part, no application fees and no broker fees. You have nothing to lose and everything to gain.
March 20, 2020 - Effective immediately NTA Loan programs have been paused until further notice. In in exception is our SBA Express loan which is a federal loan program. Please read the SBA Express loan requirements before applying since this loan requires full financials and a minimum credit score of 670.
About NTA Loan Programs
- Affordable: Long & Short Term loans starting at 5.5%, no hidden fees
- Decision in 48 hours. - Fast Funding in 1-3 business days
- Easy & Flexible: Minimal Paperwork required, just 1- Page Application and 3 Months Business Bank Statements
- No Application Fee / No Broker Fees
- Establish Business/ Corporate Credit
- Our Prices are the Best in the Industry
- No Up Front Fees
- Great for Fuel Expenses, truck upgrades/ repairs, payroll expenses, working capital!
- BK-OK (Must be Discharged)
- Requirements: 600+ FICO Score / 2 Months in Business / Active Business Bank Account ($5,000+ per month in Deposits)
- Available in 50 States and now in CANADA!
Business Loans Can Help You With:
- Expansion
- Repairs and Maintenance
- Working Capital
- Pay Insurance Premiums
- Down Payment on a New Truck
- Use Loans to Purchase Truck Cash
- Hire Additional Drivers
- Pay off Higher Interest Loans
- Our goal is to work with you to get you approved within 48 hrs and then get you funded within 3 days.
- There is no obligation on your part, no application fees and no broker fees.
- You have nothing to lose and everything to gain.
SBA Express Loan
In Business 2+ Years | Eligible States: All 50 States
SBA loans offer longer terms, lower rates and lower monthly payments than other loan options. Best program for refinancing higher interest loans, extend your equipment loans to 10 years allowing you to have a lower monthly payment.

Minimum Qualifications:
- Time in Business: 2+ Years
- FICO: 660+ Credit Score 81% ownership required
- Monthly Revenue: $7,000 (Must be profitable on cash-flow analysis)
- Bankruptcy: OK after 3 years, must be discharged
- Background: No criminal record other than minor vehicle violations
- Legal Status: Must be a US Citizenship or Permanent Resident

Required Documents:
- 2 - 3 Years Business & Personal Tax Returns
- Interim P&L & Balance Sheet
- Full list of business debt
- Last 6 Months Business Bank Statements

Loan Size:
- $30,000 - $350,000
- Funding time: 1 - 2 business days
- Loan Term: (10 yrs)
- Payment Type: Fixed affordable monthly ACH payments
- Origination Fee: 4% of the loan amount
- Interest: 6% - 8% per annum (depending on Credit)
- Prepayment: No Prepayment Penalties (Payoff sooner and save money on interest)
- Collateral: Blanket Lien on business assets
- Tax Deductible: Financing Fees and interest are tax deductible
- Reporting: Reports & Builds Business Credit
Apply Now!
Or contact us for more information.
Our motto is, "Helping Others to Succeed in Business."
Effective immediately NTA Loan programs have been paused until further notice. In in exception is our SBA Express loan which is a federal loan program.

- SBA Express Loan
- Unsecured Small Business Loan Program
- True Business Loan Program (Preferred Loan Program)
- Line of Credit Program
- Truck & Trailer Financing Purchase & Refinance (CA Only)
NTA Business Loan Form
Currently Unavailable Loan Programs
Unsecured Small Business Loan Program
In Business 3+ Months | Eligible States AL, AZ, CA, DC, DE, HI, ID, IA, IL, IN, KS, KY, LA, MD, ME, MS, MO, NE, NH, NJ, NM, NC, OH, OR, SC, UT, VA, WA, WI, WY
Simple interest term loans, with low monthly ACH payments, longer loan terms and no prepayment penalties. Great for newer businesses! No industry restrictions, we welcome all “For Profit” businesses. (Home Based - OK)

Minimum Qualifications:
- Time in Business: 3+ months w/ an active BUSINESS bank account
- FICO: 500+ Credit Score We can use any owner who has at least 25% ownership
- Monthly Revenue: $3,500 gross deposited in bank stmts
- Bankruptcy: Discharged OK; No open or Dismissed BK’s
- Business Type: No Restrictions, sole-prop OK, Home-based OK, For-Profit businesses Only
- Legal Status: Must be a US Citizenship or Permanent Resident

Required Documents:
- Copy of Drivers License
- Voided Check
- Last 3 Months Business Bank Statements

Loan Size:
- $6,000 - $75,000
- Funding time: 1 - 2 business days
- Loan Term: (2-10 yrs)
- Payment Type: Fixed affordable monthly ACH payments
- Origination Fee: 5% - 10% of the loan amount
- Interest: 9%+ per annum (depending on Credit)
- Prepayment: No Prepayment Penalties (Payoff sooner and save money on interest)
- Collateral: Unsecured - with Borrowers Personal Guarantee
- Tax Deductible: Financing Fees and interest are tax deductible
- Reporting: Reports & Builds Business Credit also reports on personal credit
True Business Loan Program (Preferred Loan Program)
In Business 1+ Year | Eligible States: All 50 States & Canada
Low document, short-term capital to help with unexpected urgent financing needs. This is by far the best program to help build business credit. Does NOT report on personal credit reports allowing you to leverage your business credit.

Minimum Qualifications:
- Time in Business: 1+ Year w/ an active BUSINESS bank account
- FICO: 500+ Credit Score 50% ownership required
- Monthly Revenue: $8,500 gross deposited in bank stmts
- Bankruptcy: OK after 3 years, must be discharged
- Legal Status: Must be a US Citizenship or Permanent Resident

Required Documents:
- Copy of Drivers License
- Voided Check
- Last 3 Months Business Bank Statements

Loan Size:
- $6,000 - $500,000
- Funding time: 1 - 3 business days
- Loan Term: (3-36 months)
- Payment Type: Fixed weekly payments
- Origination Fee: 2.5% of the loan amount
- Interest: 9.9%+ per annum (depending on Credit)
- Prepayment: No Prepayment Penalties (Payoff sooner and save money on interest)
- Collateral: Unsecured - with Borrowers Personal Guarantee
- Tax Deductible: Financing Fees and interest are tax deductible
- Reporting: Reports & Builds Business Credit
Line of Credit Program
In Business 1+ Year Eligible States: All 50 States & Canada
Every business should have a line of credit! Be ready for unexpected purchase opportunities and fund transactions you can’t put on your credit card. Only pay interest when you use the line of credit.

Minimum Qualifications:
- Time in Business: 1+ Year w/ an active BUSINESS bank account
- FICO: 650+ Credit Score 50% ownership required
- Monthly Revenue: $8,500 gross deposited in bank stmts
- Bankruptcy: OK after 3 years, must be discharged
- Legal Status: Must be a US Citizenship or Permanent Resident

Required Documents:
- Copy of Drivers License
- Voided Check
- Last 3 Months Business Bank Statements

Loan Size:
- $6,000 - $100,000
- Funding time: 1 - 3 business days
- Loan Term: (Revolving) Payment Type: Fixed weekly payments
- Interest: 9.9%+ per annum (depending on Credit)
- Prepayment: No Prepayment Penalties (Payoff sooner and save money on interest)
- Collateral: Unsecured - with Borrowers Personal Guarantee
- Tax Deductible: Financing Fees and interest are tax deductible
- Reporting: Reports & Builds Business Credit
Truck & Trailer Financing Purchase & Refinance (CA Only)
Eligible States: CA (Nationwide coming soon)
If you have a loan or lease with a finance company with high interest we can help refinance at a lower rate and longer term. Some owner-operators lease a truck from the broker or logistics company, we can help refinance these too! Or if you simply want to add more trucks to your business we can help with new purchases.

Minimum Qualifications:
- FICO: 615+ Credit Score
- No late payments on credit in last 12 months
- Downpayment: 20%-30% (we can finance DP w/ business bank account)
- Start-up: OK
- Legal Status: We accept ITIN borrowers

Required Documents:
- Copy of Drivers License
- Voided Check
- Last 3 Months Business Bank Statements
- Most recent tax return files
- Purchase Invoice w/ full Specs

Loan Size:
- $10,000 - $150,000
- Funding time: 3 - 5 business days
- Loan Term: Up to 5 years
- Payment Type: Fixed Monthly payments
- Interest: 8.5%- 12.5% per annum (depending on Credit)
- Prepayment: No Prepayment Penalties (Payoff sooner and save money on interest)
- Collateral: Equipment being financed
- Tax Deductible: Financing Fees and interest are tax deductible
- Reporting: Reports & Builds Business Credit

We also offer Commercial Real Estate Financing
Compare our Long Term Business Loans
| Business Funding 4 You (Term Loan) | Online MCA (Cash Advance) | Traditional Banks (Term Loan) | |
|---|---|---|---|
| Rates | Transparent. Fixed interest rates as low as 5.49% with monthly payments | Very high. Take a cut of your sales every day, with daily interest* | Low fixed interest rates |
| Fees | Just one origination fee: 0.99–5.99% of loan principal | 5.99% of loan principal Varies but often hidden or confusing | Varies but often include origination fee, closing fee and servicing charge |
| Prepayment penalty | Nope. Save on interest and repay early! | Hefty. Some charge full interest even if prepaid early | Sometimes. Usually a small percentage of the original loan. |
| Repayment term | 1–5 years | Varies but typical less than 12 months | Average around 5 years |
| Customer service | White glove service from your own loan specialist from day one | Tend to be pretty transactional | Not exactly known for it |
| Underwriting | Your personal underwriter gets to know you and your business holistically | Usually a computer algorithm checks your credit score and application | A loan officer forwards your application to an underwriter for review |
| Approval time | Under 10 days | A few days | Month(s) |
NTA Loans Videos
NTA Webinar Video Recording - March 7th

View a recording of the NTA Loans Webinar we recorded on March 7th.
Learn how to improve your chances for getting a NTA business loan.
You can skip around the video to get to the information you need.
