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Bank, broker
or direct

Nine things to check before you apply anywhere, with what each kind of lender usually asks for.

Time in business asked for, one slab per month: a bank 24, broker platforms 12, Raven Lenders 4
Fig. Months in business asked for, one slab per month
BankBroker platformsRaven Lenders
Time in business2 years1 year4+ months
Credit700+ FICO640+ FICOOptions from 500+ FICO
Application process2 to 6 months1 to 2 weeksSame day to 5 days
Funding amount$10,000 to $250,000$10,000 to $500,000$5,000 to $1,000,000
Repayment terms2 to 5 years3 to 18 months3 months to 3 years
Revenue requirement$250,000 a year$250,000 a year$120,000 a year
Payment typeWeekly or monthlyDaily or weeklyDaily or weekly options
Your details resoldNoOftenNo broker bombardment
Rate typeAPR 10% to 30%APR 20% to 60%Competitive options

Typical figures. Raven Lenders is not a bank; amounts, rates, terms and approval speed vary by applicant, business performance, documentation and lender review.

Competitive review

Already holding an offer?

Send it with your application. We'll walk you through its structure, what the repayment really looks like and what else you could choose, before you sign anything.

  1. 01 Structure: what you get and what you owe
  2. 02 Repayment: how often, how much, for how long
  3. 03 Alternatives that may fit better
Privacy

Your details stay with us

Broker platforms often pass an application to many lenders, and the calls start. Here there's no middle man: your information is protected and isn't resold.

  1. 01 One application, one lender
  2. 02 Fewer unwanted calls
  3. 03 Every option explained by the people funding it

Lower bars, one lender

If you have 4 months in business and steady revenue, start here.

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