America’s #1 Business Lending Marketplace
Get Business Funding in as Little as 1 Hour.
Compare 75+ lenders. One 5-minute application. No hard credit pull. $5K–$5M available. Most businesses get matched same day.
Results That Speak For Themselves
Real Businesses. Real Money. Real Fast.
These aren’t cherry-picked outliers. This is typical of what happens when you stop applying to banks one at a time.
Maria’s Kitchen
The Problem: Maria’s Mexican restaurant needed $35K for a new commercial oven and walk-in cooler after the old equipment failed mid-season. Three banks turned her down citing insufficient collateral. She found 1 Hour Lending at 9am on a Tuesday.
“I had new equipment installed by Thursday. My weekend revenue covered the first two payments.”
Rodriguez Construction
The Problem: Carlos had $180K in signed contracts but needed $120K to buy materials and cover payroll before the first draw check arrived. His bank offered a loan but needed 60 days to process.
“I would have had to turn down both contracts. Now I’m running three crews simultaneously.”
Premier Hauling LLC
The Problem: After losing a truck to an accident, Marcus needed $85K fast to replace it. Equipment sits, so does revenue. His credit score was 591, which DQ’d him from most bank loans.
“591 credit score, and I still got a rate I could live with. Truck was back on the road in a week.”
How It Works
Three steps. As fast as 1 hour start to funded.
5-Minute Application
Tell us your revenue, time in business, and what you need. No hard credit pull at this stage.
Get Matched Instantly
Our system surfaces offers from lenders you’re likely to be approved by — ranked by rate and terms.
Choose and Get Funded
Accept the offer that fits. Funds hit your account — some in as little as 1 hour.
1 Hour Lending vs. Your Bank
Banks aren’t bad — they’re just built for a different customer. Here’s the honest comparison.
| Feature | 1 Hour Lending | Traditional Bank |
|---|---|---|
| Application | 5 minutes online | 2–4 weeks of paperwork |
| Approval | Same day | 30–90 days |
| Min. credit score | 500+ | 680+ |
| Min. time in business | 3 months | 2+ years |
| Hard credit pull | ❌ No | ✔ Yes |
| Lenders compared | 75+ simultaneously | 1 at a time |
| Cost to apply | Free | May include fees |
| Speed to funding | 1 hour – 5 days | 30–90 days |
All Funding Types
6 Types of Business Funding — One Application
Our marketplace covers every major loan type. You don’t have to know which one you need — we’ll match you to what fits.
Term Loans
A lump sum you repay over a fixed schedule — predictable, simple, and widely available.
- $10K – $500K
- Funded in 1–5 days
Line of Credit
Draw what you need, when you need it. Only pay interest on what you use.
- $5K – $250K
- Available same day
Merchant Cash Advance
Get a lump sum against your future sales. Repayment flexes with your daily revenue.
- $5K – $500K
- Funded in hours
SBA Loans
Government-backed loans with the lowest rates available to small businesses.
- $50K – $5M
- Funded in 30–90 days
Equipment Financing
Finance the specific equipment your business needs — the equipment itself serves as collateral.
- $10K – $5M
- Funded in 1–3 days
Invoice Financing
Turn unpaid invoices into immediate cash. Stop waiting 30–90 days for clients to pay.
- Up to 90% of invoice value
- Funded in 24 hours
We Fund Every Industry
Specialized lenders who understand YOUR business — not just your credit score.
Restaurants
Equipment, renovations, payroll gaps, and seasonal swings — we’ve seen it all.
Contractors
Bridge the gap between signed contracts and first draw checks.
Trucking
Equipment financing and working capital for owner-operators and fleets.
Healthcare
Expand your practice, buy equipment, or cover slow insurance payout periods.
Retail
Inventory, buildouts, and seasonal inventory financing for brick-and-mortar.
Manufacturing
Capital equipment, raw materials, and production line expansion.
Professional Services
Law firms, agencies, consultancies, and more — working capital for growth.
Real Estate Investors
Fix-and-flip, bridge loans, and portfolio financing — move fast on deals.
What Business Owners Are Saying
“I applied at 8am and had an approval by 10. The funds were in my account the next morning. I’ve applied for loans before — this was a completely different experience.”
Marcus T.
Auto Repair Shop Owner, Atlanta GA
“My bank said no. I filled out the form on a Wednesday, had three offers by Thursday, and picked the one with the best rate. $75K funded. My catering business is fully booked six months out now.”
Sandra K.
Catering Company Owner, Chicago IL
“591 credit score and I still got funded. Nobody told me I needed a 700+ or anything like that. They just matched me to lenders who work with my profile. Straightforward, honest, fast.”
James L.
Trucking Owner-Operator, Dallas TX
Your Business Funding Is Waiting.
One 5-minute application. 75+ lenders competing for your business. No hard credit pull. No obligation. Most businesses get matched same day.
No hard credit pull · Free to use · Funding from $5K to $5M